LenDb.ai

Property types · Kansas

Vacation home loan officers in Kansas

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Kansas whose lender pages show Vacation home work. The top-ranked are Josh Penland (Fairway Independent Mortgage Corporation, Round Rock), Joey Morea (Barrett Financial Group, Chandler) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in KS, 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 8

  1. 1

    Josh PenlandNMLS 216357

    Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 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 KS (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    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 KS (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Iris LegaspiNMLS 690505

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

    • Vacation home
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in KS (listed on lender page, verified 2026-10-09)
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    Alex CarrikerNMLS 1283419

    Fairway Independent Mortgage Corporation · Springfield, MO · licensed in 2 states

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

    Cody TealNMLS 65382

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

    • Vacation home
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in KS (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Manen PanNMLS 1006352

    First Citizens Bank · Pasadena, CA · licensed in 32 states

    • Vacation home
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in KS (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    Troy GuzzoNMLS 680317

    JPMorgan Chase Bank (Chase Home Lending) · Leawood, KS

    • Vacation home
    • VA loan
    • FHA loan
    • Self-employed
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Kansas; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  8. 8

    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 KS (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 KS 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=KS. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.