--- canonical_url: https://lendb.ai/s/vacation-home/michigan last_verified: 2026-10-09 --- # Vacation home loan officers in Michigan As of 2026-10-09, LenDb lists 20 loan officers licensed in or based in Michigan whose lender pages show Vacation home work. The top-ranked are Sheri Watkins (Ruoff Mortgage), Ron Haddad (Union Home Mortgage, Arlington Heights) and Kylie Miller (CrossCountry Mortgage, Beavercreek). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - MI 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) 2. **[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) - MI 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) 3. **[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) - MI 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) 4. **[Angela Rose](https://lendb.ai/lo/angela-rose-564393)** (NMLS 564393), CrossCountry Mortgage, Grand Haven, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Grand Haven, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 5. **[Sami Barakat](https://lendb.ai/lo/sami-barakat-427195)** (NMLS 427195), JPMorgan Chase Bank (Chase Home Lending), Troy, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Troy, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 7 years of experience (lender page, 2026-10-09) 6. **[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) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 7. **[Sahani Dissanayake](https://lendb.ai/lo/sahani-dissanayake-673469)** (NMLS 673469), JPMorgan Chase Bank (Chase Home Lending), Birmingham, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Birmingham, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2018 (per Florida records) 8. **[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) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Sam Jadallah](https://lendb.ai/lo/sam-jadallah-28120)** (NMLS 28120), JPMorgan Chase Bank (Chase Home Lending), Ann Arbor, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Ann Arbor, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 10. **[Melinda Thomas](https://lendb.ai/lo/melinda-thomas-134313)** (NMLS 134313), JPMorgan Chase Bank (Chase Home Lending), Clarkston, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Clarkston, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 11. **[Scott Gold](https://lendb.ai/lo/scott-gold-406609)** (NMLS 406609), JPMorgan Chase Bank (Chase Home Lending), Bloomfield Hills, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Bloomfield Hills, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 12. **[Amanda Hermiz](https://lendb.ai/lo/amanda-hermiz-407438)** (NMLS 407438), JPMorgan Chase Bank (Chase Home Lending), Novi, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Novi, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[Sandra Danna](https://lendb.ai/lo/sandra-danna-427337)** (NMLS 427337), JPMorgan Chase Bank (Chase Home Lending), Fort Gratiot, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Fort Gratiot, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Jamie Lieberman](https://lendb.ai/lo/jamie-lieberman-476762)** (NMLS 476762), JPMorgan Chase Bank (Chase Home Lending), Plymouth, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Plymouth, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Krystal Mikha](https://lendb.ai/lo/krystal-mikha-1047541)** (NMLS 1047541), JPMorgan Chase Bank (Chase Home Lending), Bloomfield Hills, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Bloomfield Hills, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Amy Shermak](https://lendb.ai/lo/amy-shermak-1298502)** (NMLS 1298502), JPMorgan Chase Bank (Chase Home Lending), Grand Rapids, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Grand Rapids, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Christopher Lark](https://lendb.ai/lo/christopher-lark-1670596)** (NMLS 1670596), JPMorgan Chase Bank (Chase Home Lending), Rochester, MI - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Rochester, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - MI 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/michigan. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._