--- canonical_url: https://lendb.ai/s/vacation-home/indiana last_verified: 2026-10-09 --- # Vacation home loan officers in Indiana As of 2026-10-09, LenDb lists 20 loan officers licensed in or based in Indiana whose lender pages show Vacation home work. The top-ranked are Joanna White (Union Home Mortgage, Arlington Heights), Sheri Watkins (Ruoff Mortgage) and Scott Forster (JPMorgan Chase Bank (Chase Home Lending), Fishers). Ranking is lender-neutral: specialty evidence first, then a license in IN, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Joanna White](https://lendb.ai/lo/joanna-white-404853)** (NMLS 404853), Union Home Mortgage, Arlington Heights, IL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 2. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage - Lists Vacation home on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 3. **[Scott Forster](https://lendb.ai/lo/scott-forster-142038)** (NMLS 142038), JPMorgan Chase Bank (Chase Home Lending), Fishers, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Fishers, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2023 (per Florida records) 4. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[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) - IN 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) 6. **[Renee M Hamilton](https://lendb.ai/lo/renee-m-hamilton-345101)** (NMLS 345101), JPMorgan Chase Bank (Chase Home Lending), Bloomington, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Bloomington, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 7. **[Scott C. Moore](https://lendb.ai/lo/scott-moore-146628)** (NMLS 146628), JPMorgan Chase Bank (Chase Home Lending), Indianapolis, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Indianapolis, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2015 (per Florida records) 8. **[Julia Hohmann](https://lendb.ai/lo/julia-hohmann-1042668)** (NMLS 1042668), JPMorgan Chase Bank (Chase Home Lending), Greenwood, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Greenwood, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2015 (per Florida records) 9. **[Cathy Clark](https://lendb.ai/lo/cathy-clark-133872)** (NMLS 133872), Ruoff Mortgage - Lists Vacation home on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 32 years of experience (lender page, 2026-10-09) 10. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Vacation home on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 11. **[Rex Grasz](https://lendb.ai/lo/rex-grasz-245451)** (NMLS 245451), Union Home Mortgage, Upper Sandusky, OH - Lists Vacation home on lender page (lender page, verified 2026-10-09) - IN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Albree Halstead](https://lendb.ai/lo/albree-halstead-2580148)** (NMLS 2580148), JPMorgan Chase Bank (Chase Home Lending), Indianapolis, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Indianapolis, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2024 (per Florida records) 13. **[Joe Weise](https://lendb.ai/lo/joe-weise-422865)** (NMLS 422865), JPMorgan Chase Bank (Chase Home Lending), Carmel, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Carmel, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Kimberly Buchalo](https://lendb.ai/lo/kimberly-buchalo-427768)** (NMLS 427768), JPMorgan Chase Bank (Chase Home Lending), Saint John, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Saint John, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Heidi Ruhe](https://lendb.ai/lo/heidi-ruhe-428269)** (NMLS 428269), JPMorgan Chase Bank (Chase Home Lending), Valparaiso, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Valparaiso, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[James Kist](https://lendb.ai/lo/james-kist-912503)** (NMLS 912503), JPMorgan Chase Bank (Chase Home Lending), Michigan City, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Michigan City, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Rob DeHoff](https://lendb.ai/lo/rob-dehoff-1809330)** (NMLS 1809330), JPMorgan Chase Bank (Chase Home Lending), Shelbyville, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Shelbyville, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Leslie Bernacki](https://lendb.ai/lo/leslie-bernacki-580840)** (NMLS 580840), JPMorgan Chase Bank (Chase Home Lending), Portage, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Portage, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 19. **[Katherine Chapple](https://lendb.ai/lo/katherine-chapple-588203)** (NMLS 588203), JPMorgan Chase Bank (Chase Home Lending), South Bend, IN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in South Bend, IN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 20. **[Deborah Allred Santiago](https://lendb.ai/lo/deborah-allred-santiago-894630)** (NMLS 894630), Union Home Mortgage, Lexington, KY - Lists Vacation home on lender page (lender page, verified 2026-10-09) - IN 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/indiana. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._