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Property types · Minnesota

Vacation home loan officers in Minnesota

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Minnesota whose lender pages show Vacation home work. The top-ranked are Amber Garofalo (CrossCountry Mortgage, White Bear Lake), Brad Thoreen (JPMorgan Chase Bank (Chase Home Lending), Blaine) and Jason Fox (NFM Lending, Frederick). Ranking is lender-neutral: specialty evidence first, then a license in MN, 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 7

  1. 1

    Amber GarofaloNMLS 518359

    CrossCountry Mortgage · White Bear Lake, MN · licensed in 4 states

    • Vacation home
    • Construction loan
    • Real estate investor
    • MN 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 White Bear Lake, MN
    • Licensed since 2021 (per Florida records)
  2. 2

    Brad ThoreenNMLS 1891592

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Blaine, MN

    • Vacation home
    • Co-op
    • Condo
    • 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 Blaine, MN
  3. 3

    Jason FoxNMLS 179208

    NFM Lending · Frederick, MD · licensed in 18 states

    • Vacation home
    • Bank statement loan
    • DSCR loan
    • Self-employed
    • MN 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)
  4. 4

    Andrea BlairNMLS 442531

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Maple Grove, MN

    • Vacation home
    • Down payment assistance
    • FHA loan
    • Self-employed
    • 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 Maple Grove, MN
  5. 5

    Tyler ShipeNMLS 745667

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Saint Paul, MN

    • 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 Saint Paul, MN
  6. 6

    Cody TealNMLS 65382

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

    • Vacation home
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • MN 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)
  7. 7

    Iris LegaspiNMLS 690505

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

    • Vacation home
    • Down payment assistance
    • Physician and medical professional
    • HELOC
    • MN 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 MN license is confirmed with the state regulator (check mark), MN 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=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.