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Property types · Iowa

Vacation home loan officers in Iowa

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Iowa whose lender pages show Vacation home work. The top-ranked are Jason Fox (NFM Lending, Frederick), Zach Ryan (JPMorgan Chase Bank (Chase Home Lending), Ankeny) and Cody Teal (First Citizens Bank, Wilmington). Ranking is lender-neutral: specialty evidence first, then a license in IA, 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 4

  1. 1

    Jason FoxNMLS 179208

    NFM Lending · Frederick, MD · licensed in 18 states

    • Vacation home
    • Bank statement loan
    • DSCR loan
    • Self-employed
    • IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
  2. 2

    Zach RyanNMLS 1538364

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Ankeny, IA

    • Vacation home
    • VA loan
    • FHA loan
    • Jumbo loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Ankeny, IA
  3. 3

    Cody TealNMLS 65382

    First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states

    • Vacation home
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
  4. 4

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • Vacation home
    • Down payment assistance
    • Physician and medical professional
    • HELOC
    • IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)

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 are listed when a IA license is confirmed with the state regulator (check mark), IA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

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