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Property types · New Mexico

Vacation home loan officers in New Mexico

As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in New Mexico whose lender pages show Vacation home work. The top-ranked are Josh Penland (Fairway Independent Mortgage Corporation, Round Rock), Kellie Buchanan (Highlands Residential Mortgage, Angel Fire) and Kevin Rudrud (NFM Lending, Kailua-Kona). Ranking is lender-neutral: specialty evidence first, then a license in NM, 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

    Josh PenlandNMLS 216357

    Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states

    • Vacation home
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • NM 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 2025 (per Florida records)
    • States 23 years of experience (lender page, 2026-10-09)
  2. 2

    Kellie BuchananNMLS 744052

    Highlands Residential Mortgage · Angel Fire, NM · licensed in 6 states

    • Vacation home
    • Down payment assistance
    • Condo
    • Manufactured home
    • NM 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 Angel Fire, NM
    • Licensed since 2019 (per Colorado records)
    • States 34 years of experience (lender page, 2026-10-09)
  3. 3

    Kevin RudrudNMLS 335381

    NFM Lending · Kailua-Kona, HI · licensed in 7 states

    • Vacation home
    • First-time buyer
    • FHA loan
    • VA loan
    • NM 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)
  4. 4

    Randy MontoyaNMLS 198143

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Albuquerque, NM

    • Vacation home
    • VA loan
    • FHA loan
    • First-time buyer
    • 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 Albuquerque, NM
  5. 5

    Danielle AndersonNMLS 1842677

    Guild Mortgage · Centennial, CO · licensed in 7 states

    • Vacation home
    • First-time buyer
    • NM 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 2024 (per Colorado records)
  6. 6

    Cody TealNMLS 65382

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

    • Vacation home
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • NM 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
    • NM 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 NM license is confirmed with the state regulator (check mark), NM 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=NM. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.