Property types · North Carolina
Vacation home loan officers in North Carolina
As of 2026-10-10, LenDb lists 43 loan officers licensed in or based in North Carolina whose lender pages show Vacation home work. The top-ranked are Josh Penland (Fairway Independent Mortgage Corporation, Round Rock), Jessica Ochoa (Fairway Independent Mortgage Corporation, Richmond Hill) and Ron Haddad (Union Home Mortgage, Arlington Heights). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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 25
- 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
- NC 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 2022 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 2
Jessica OchoaNMLS 525089
Fairway Independent Mortgage Corporation · Richmond Hill, GA · licensed in 5 states
- Vacation home
- First-time buyer
- NC 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 2017 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 3
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Vacation home
- Down payment assistance
- NC 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 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
David JoynerNMLS 116874
TowneBank Mortgage · Bank · Kitty Hawk, NC
- Vacation home
- First-time buyer
- Self-employed
- Real estate investor
- 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 Kitty Hawk, NC
- States 20 years of experience (lender page, 2026-10-09)
- 5
Tate FeltsNMLS 117311
Southern Trust Mortgage · Southern Shores, NC · licensed in 2 states
- Vacation home
- First-time buyer
- Real estate investor
- NC 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 Southern Shores, NC
- 6
Richard JohnsonNMLS 455506
Lower · Fairfax, VA · licensed in 7 states
- Vacation home
- Real estate investor
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Vacation home on lender page (lender page, verified 2026-10-10)
- States 25 years of experience (lender page, 2026-10-10)
- 7
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Vacation home
- Bank statement loan
- DSCR loan
- Self-employed
- NC 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)
- 8
Trisha CooperNMLS 1965251
ALCOVA Mortgage · Chantilly, VA · licensed in 3 states
- Vacation home
- First-time buyer
- Real estate investor
- Self-employed
- NC 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 2021 (per Florida records)
- States 8 years of experience (lender page, 2026-10-09)
- 9
Baker JacksonNMLS 146931
JPMorgan Chase Bank (Chase Home Lending) · Bank · Raleigh, NC
- Vacation home
- VA loan
- FHA loan
- Self-employed
- NC 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 Raleigh, NC
- 10
David E AponteNMLS 17247
JPMorgan Chase Bank (Chase Home Lending) · Bank · Huntersville, NC
- Vacation home
- VA loan
- Self-employed
- 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 Huntersville, NC
- 11
Robert CarterNMLS 898005
Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states
- Vacation home
- Condo
- Construction loan
- Manufactured home
- NC 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 2021 (per Florida records)
- 12
Michelle KaufmannNMLS 367684
JPMorgan Chase Bank (Chase Home Lending) · Bank · Wake Forest, NC
- Vacation home
- VA loan
- 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 Wake Forest, NC
- 13
Thomas CraggNMLS 397342
JPMorgan Chase Bank (Chase Home Lending) · Bank · Cary, NC
- Vacation home
- Co-op
- Condo
- 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 Cary, NC
- 14
Alex DaskalakisNMLS 857295
JPMorgan Chase Bank (Chase Home Lending) · Bank · Raleigh, NC
- Vacation home
- 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 Raleigh, NC
- 15
Pete DempseyNMLS 98717
First Citizens Bank · Bank · Wilson, NC
- Vacation home
- VA loan
- USDA loan
- Renovation loan (203k / HomeStyle)
- NC 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 Wilson, NC
- States 25 years of experience (lender page, 2026-10-09)
- 16
Andrew OlsonNMLS 453787
First Citizens Bank · Bank · Charlotte, NC · licensed in 2 states
- Vacation home
- FHA loan
- Self-employed
- VA loan
- NC 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 Charlotte, NC
- States 30 years of experience (lender page, 2026-10-09)
- 17
Alex MacklinNMLS 500343
First Citizens Bank · Bank · Fuquay-Varina, NC · licensed in 4 states
- Vacation home
- VA loan
- USDA loan
- Down payment assistance
- NC 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 Fuquay-Varina, NC
- States 30 years of experience (lender page, 2026-10-09)
- 18
Kristen CarmackNMLS 561148
First Citizens Bank · Bank · Raleigh, NC
- Vacation home
- VA loan
- USDA loan
- Renovation loan (203k / HomeStyle)
- NC 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 Raleigh, NC
- States 26 years of experience (lender page, 2026-10-09)
- 19
Candace B. RoneyNMLS 561164
First Citizens Bank · Bank · Morehead City, NC
- Vacation home
- USDA loan
- Renovation loan (203k / HomeStyle)
- Construction loan
- NC 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 Morehead City, NC
- States 31 years of experience (lender page, 2026-10-09)
- 20
Erik TaylorNMLS 561167
First Citizens Bank · Bank · Raleigh, NC
- Vacation home
- Construction loan
- Renovation loan (203k / HomeStyle)
- Self-employed
- NC 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 Raleigh, NC
- States 27 years of experience (lender page, 2026-10-09)
- 21
Angie WarnerNMLS 737631
First Citizens Bank · Bank · Winston-Salem, NC
- Vacation home
- USDA loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- NC 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 Winston-Salem, NC
- States 32 years of experience (lender page, 2026-10-09)
- 22
Walter OrtizNMLS 511771
First Citizens Bank · Bank · Charlotte, NC
- Vacation home
- First-time buyer
- VA loan
- Down payment assistance
- 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 Charlotte, NC
- States 20 years of experience (lender page, 2026-10-09)
- 23
Bobby BradleyNMLS 68470
First Citizens Bank · Bank · Winston-Salem, NC
- Vacation home
- USDA loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- 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 Winston-Salem, NC
- States 32 years of experience (lender page, 2026-10-09)
- 24
Patty MasonNMLS 509516
First Citizens Bank · Bank · Franklin, NC
- Vacation home
- USDA loan
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- 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 Franklin, NC
- States 26 years of experience (lender page, 2026-10-09)
- 25
Ryan ShaughnessyNMLS 561165
First Citizens Bank · Bank · Raleigh, NC
- Vacation home
- Renovation loan (203k / HomeStyle)
- Construction 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 Raleigh, NC
- States 24 years of experience (lender page, 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?
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 NC license is confirmed with the state regulator (check mark), NC 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=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.