--- canonical_url: https://lendb.ai/s/vacation-home/georgia last_verified: 2026-10-09 --- # Vacation home loan officers in Georgia As of 2026-10-09, LenDb lists 20 loan officers licensed in or based in Georgia whose lender pages show Vacation home work. The top-ranked are Kylie Miller (CrossCountry Mortgage, Beavercreek), James Burton (Southern Trust Mortgage, Mt Pleasant) and Chris Musto (JPMorgan Chase Bank (Chase Home Lending), Alpharetta). Ranking is lender-neutral: specialty evidence first, then a license in GA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[James Burton](https://lendb.ai/lo/james-burton-2121317)** (NMLS 2121317), Southern Trust Mortgage, Mt Pleasant, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 3. **[Chris Musto](https://lendb.ai/lo/christopher-musto-107227)** (NMLS 107227), JPMorgan Chase Bank (Chase Home Lending), Alpharetta, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Alpharetta, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2019 (per Florida records) 4. **[Veronica Pitts](https://lendb.ai/lo/veronica-pitts-625639)** (NMLS 625639), JPMorgan Chase Bank (Chase Home Lending), Marietta, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Marietta, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2021 (per Florida records) 5. **[TiJuana Jennings](https://lendb.ai/lo/tijuana-jennings-1035189)** (NMLS 1035189), JPMorgan Chase Bank (Chase Home Lending), Brookhaven, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Brookhaven, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2023 (per Florida records) 6. **[Matt Harsh](https://lendb.ai/lo/matthew-harsh-938711)** (NMLS 938711), JPMorgan Chase Bank (Chase Home Lending), Woodstock, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Woodstock, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2023 (per Florida records) 7. **[Jason Jason Bates](https://lendb.ai/lo/kyle-bates-1703408)** (NMLS 1703408), JPMorgan Chase Bank (Chase Home Lending), Sugar Hill, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Sugar Hill, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2025 (per Florida records) 8. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 9. **[Carol Walton](https://lendb.ai/lo/carol-walton-217069)** (NMLS 217069), JPMorgan Chase Bank (Chase Home Lending), Conyers, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Conyers, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 10. **[Vivian Pritts](https://lendb.ai/lo/vivian-pritts-239664)** (NMLS 239664), JPMorgan Chase Bank (Chase Home Lending), Alpharetta, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Alpharetta, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 11. **[John Shea](https://lendb.ai/lo/john-shea-624266)** (NMLS 624266), JPMorgan Chase Bank (Chase Home Lending), Suwanee, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Suwanee, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 12. **[Jim Whitmore](https://lendb.ai/lo/jim-whitmore-771035)** (NMLS 771035), JPMorgan Chase Bank (Chase Home Lending), Dunwoody, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Dunwoody, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[Sophia Davis Wallace](https://lendb.ai/lo/sophia-davis-wallace-898985)** (NMLS 898985), Guild Mortgage, Jacksonville, FL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 14. **[Alicia Howard](https://lendb.ai/lo/alicia-howard-659306)** (NMLS 659306), Highlands Residential Mortgage, Knoxville, TN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Stan Carter](https://lendb.ai/lo/stan-carter-718966)** (NMLS 718966), First Citizens Bank, Irmo, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 45 years of experience (lender page, 2026-10-09) 16. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Valerie Leonard](https://lendb.ai/lo/valerie-leonard-415176)** (NMLS 415176), First Citizens Bank, Greenville, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Lisa Calfee](https://lendb.ai/lo/lisa-calfee-2847725)** (NMLS 2847725), Highlands Residential Mortgage, Chattanooga, TN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - Will this qualify as a second home or an investment property? - Can I rent it out part time and keep second home pricing? - How do you treat short-term rental income? Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/georgia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._