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

# Vacation home loan officers in Montana

As of 2026-10-09, LenDb lists 3 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 Nick Carter (Directors Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in MT, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Pat Fox](https://lendb.ai/lo/pat-fox-199779)** (NMLS 199779), Union Home Mortgage, Tigard, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 17 years of experience (lender page, 2026-10-09)
2. **[Melissa Bergren](https://lendb.ai/lo/melissa-bergren-931932)** (NMLS 931932), Guild Mortgage, Ellensburg, WA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
3. **[Nick Carter](https://lendb.ai/lo/nick-carter-200547)** (NMLS 200547), Directors Mortgage, Eugene, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - MT 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/montana.

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