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Property types · Indiana

Vacation home loan officers in Indiana

As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Indiana whose lender pages show Vacation home work. The top-ranked are Jason Kain (Fairway Independent Mortgage Corporation, Columbus), Joanna White (Union Home Mortgage, Arlington Heights) and Sheri Watkins (Ruoff Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in IN, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 21

  1. 1

    Jason KainNMLS 438557

    Fairway Independent Mortgage Corporation · Columbus, IN

    • Vacation home
    • First-time buyer
    • Real estate investor
    • HELOC
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • Branch in Indiana
    • 4 years licensed
  2. 2

    Joanna WhiteNMLS 404853

    Union Home Mortgage · Arlington Heights, IL · licensed in 5 states

    • Vacation home
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Sheri WatkinsNMLS 279665

    Ruoff Mortgage · licensed in 8 states

    • Vacation home
    • First-time buyer
    • New construction
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Ron HaddadNMLS 204443

    Union Home Mortgage · Arlington Heights, IL · licensed in 8 states

    • Vacation home
    • Down payment assistance
    • Jumbo loan
    • New construction
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Cary MeyersNMLS 584519

    Guild Mortgage · Oswego, IL · licensed in 6 states

    • Vacation home
    • Down payment assistance
    • DSCR loan
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Cathy ClarkNMLS 133872

    Ruoff Mortgage

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Down payment assistance
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • 32 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    Joey MoreaNMLS 1978552

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 28 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Renee M HamiltonNMLS 345101

    JPMorgan Chase Bank (Chase Home Lending) · Bloomington, IN

    • Vacation home
    • Co-op
    • Condo
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  9. 9

    Rex GraszNMLS 245451

    Union Home Mortgage · Upper Sandusky, OH · licensed in 6 states

    • Vacation home
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  10. 10

    Kylie MillerNMLS 562713

    CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states

    • Vacation home
    • Jumbo loan
    • New construction
    • Physician and medical professional
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Michael DeWittNMLS 129465

    Highlands Residential Mortgage · Allen, TX · licensed in 4 states

    • Vacation home
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Titi AdelekanNMLS 2646321

    Ruoff Mortgage · Georgia · licensed in 2 states

    • Vacation home
    • DSCR loan
    • ITIN borrower
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    Deborah Allred SantiagoNMLS 894630

    Union Home Mortgage · Lexington, KY · licensed in 2 states

    • Vacation home
    • 2 to 4 unit property
    • Condo
    • Construction loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Joe WeiseNMLS 422865

    JPMorgan Chase Bank (Chase Home Lending) · Carmel, IN

    • Vacation home
    • VA loan
    • FHA loan
    • Self-employed
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  15. 15

    Kimberly BuchaloNMLS 427768

    JPMorgan Chase Bank (Chase Home Lending) · Saint John, IN

    • Vacation home
    • Down payment assistance
    • VA loan
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  16. 16

    Heidi RuheNMLS 428269

    JPMorgan Chase Bank (Chase Home Lending) · Valparaiso, IN

    • Vacation home
    • VA loan
    • FHA loan
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  17. 17

    James KistNMLS 912503

    JPMorgan Chase Bank (Chase Home Lending) · Michigan City, IN

    • Vacation home
    • Co-op
    • Condo
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  18. 18

    Rob DeHoffNMLS 1809330

    JPMorgan Chase Bank (Chase Home Lending) · Shelbyville, IN

    • Vacation home
    • HELOC
    • VA loan
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  19. 19

    Leslie BernackiNMLS 580840

    JPMorgan Chase Bank (Chase Home Lending) · Portage, IN

    • Vacation home
    • Down payment assistance
    • VA loan
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  20. 20

    Katherine ChappleNMLS 588203

    JPMorgan Chase Bank (Chase Home Lending) · South Bend, IN

    • Vacation home
    • VA loan
    • FHA loan
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Indiana; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  21. 21

    Francis X RuzickaNMLS 232598

    Guild Mortgage · Chesterfield, MO · licensed in 8 states

    • Vacation home
    • Construction loan
    • Down payment assistance
    • Reverse mortgage
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in IN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Occupancy rules decide whether it is a second home or an investment property, which changes pricing and down payment.

  • 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?

More about Vacation home

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in IN or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=vacation-home&state=IN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.