Property types · Kentucky

Vacation home loan officers in Kentucky

As of 2026-10-09, LenDb lists 9 loan officers licensed in or based in Kentucky whose lender pages show Vacation home work. The top-ranked are Sheri Watkins (Ruoff Mortgage), Kylie Miller (CrossCountry Mortgage, Beavercreek) and Bobby Dorgan (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in KY, 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 9

  1. 1

    Sheri WatkinsNMLS 279665

    Ruoff Mortgage · licensed in 8 states

    • Vacation home
    • First-time buyer
    • New construction
    • KY 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 2019 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  2. 2

    Kylie MillerNMLS 562713

    CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states

    • Vacation home
    • Jumbo loan
    • New construction
    • Physician and medical professional
    • KY 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 2025 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Bobby DorganNMLS 2536169

    Loan Factory · Mortgage broker · licensed in 3 states

    • Vacation home
    • FHA loan
    • First-time buyer
    • HELOC
    • KY 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 2025 (per Florida records)
    • States 18 years of experience (lender page, 2026-10-09)
  4. 4

    Deborah Allred SantiagoNMLS 894630

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

    • Vacation home
    • Condo
    • Construction loan
    • Manufactured home
    • KY 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)
    • Office in Lexington, KY
  5. 5

    Rex GraszNMLS 245451

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

    • Vacation home
    • Real estate investor
    • KY 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)
  6. 6

    Robert CarterNMLS 898005

    Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states

    • Vacation home
    • Condo
    • Construction loan
    • Manufactured home
    • KY 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 2021 (per Florida records)
  7. 7

    Vincent SmithNMLS 17499

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Louisville, KY

    • Vacation home
    • HELOC
    • VA loan
    • FHA 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 Louisville, KY
  8. 8

    Aimee ThomasNMLS 426208

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Louisville, KY

    • Vacation home
    • Down payment assistance
    • VA loan
    • FHA 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 Louisville, KY
  9. 9

    Kelly GillespieNMLS 427227

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Lexington, KY

    • 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 Lexington, KY

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 KY license is confirmed with the state regulator (check mark), KY 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=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.