LenDb.ai

Property types · Montana

Vacation home loan officers in Montana

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Montana whose lender pages show Vacation home work. The top-ranked are Pat Fox (Union Home Mortgage, Tigard), Melissa Bergren (Guild Mortgage, Ellensburg) and Scott Hazard (Embrace Home Loans, Jamestown). Ranking is lender-neutral: specialty evidence first, then a license in MT, 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 4

  1. 1

    Pat FoxNMLS 199779

    Union Home Mortgage · Tigard, OR · licensed in 6 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (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
  2. 2

    Melissa BergrenNMLS 931932

    Guild Mortgage · Ellensburg, WA · licensed in 3 states

    • Vacation home
    • Construction loan
    • First-time buyer
    • VA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Scott HazardNMLS 30883

    Embrace Home Loans · Jamestown, RI · licensed in 8 states

    • Vacation home
    • Self-employed
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Nick CarterNMLS 200547

    Directors Mortgage · Eugene, OR · licensed in 8 states

    • Vacation home
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in MT (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 MT 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=MT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.