---
canonical_url: https://lendb.ai/s/vacation-home/minnesota
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Amber Garofalo](https://lendb.ai/lo/amber-garofalo-518359)** (NMLS 518359), CrossCountry Mortgage, White Bear Lake, MN
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in White Bear Lake, MN
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
2. **[Brad Thoreen](https://lendb.ai/lo/brad-thoreen-1891592)** (NMLS 1891592), JPMorgan Chase Bank (Chase Home Lending), Blaine, MN
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Blaine, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
3. **[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)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
4. **[Andrea Blair](https://lendb.ai/lo/andrea-blair-442531)** (NMLS 442531), JPMorgan Chase Bank (Chase Home Lending), Maple Grove, MN
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Maple Grove, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
5. **[Tyler Shipe](https://lendb.ai/lo/tyler-shipe-745667)** (NMLS 745667), JPMorgan Chase Bank (Chase Home Lending), Saint Paul, MN
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Saint Paul, MN
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
6. **[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)
   - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
7. **[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)
   - MN 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/minnesota.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._