--- canonical_url: https://lendb.ai/s/vacation-home/north-carolina last_verified: 2026-10-10 --- # Vacation home loan officers in North Carolina As of 2026-10-10, LenDb lists 45 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. ## Ranked, with reasons 1. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists Vacation home on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 17, 2022 (Colorado), per state regulator - States 23 years of experience (lender page, 2026-10-09) 2. **[Jessica Ochoa](https://lendb.ai/lo/jessica-ochoa-525089)** (NMLS 525089), Fairway Independent Mortgage Corporation, Richmond Hill, GA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 21, 2017 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 3. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - Lists Vacation home on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 16, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 4. **[David Joyner](https://lendb.ai/lo/david-joyner-116874)** (NMLS 116874), TowneBank Mortgage, Kitty Hawk, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Kitty Hawk, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 5. **[Tate Felts](https://lendb.ai/lo/tate-felts-117311)** (NMLS 117311), Southern Trust Mortgage, Southern Shores, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Southern Shores, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 6. **[Richard Johnson](https://lendb.ai/lo/richard-johnson-455506)** (NMLS 455506), Lower, Fairfax, VA - Lists Vacation home on lender page (lender page, verified 2026-10-10) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-10) 7. **[Jonathan Wood](https://lendb.ai/lo/jonathan-wood-479214)** (NMLS 479214), Lower, Emerald Isle, NC - Lists Vacation home on lender page (lender page, verified 2026-10-10) - Office in Emerald Isle, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-10) 8. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 18, 2018 (Florida), per state regulator 9. **[Trisha Cooper](https://lendb.ai/lo/patricia-cooper-1965251)** (NMLS 1965251), ALCOVA Mortgage, Chantilly, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 2, 2021 (Florida), per state regulator - States 8 years of experience (lender page, 2026-10-09) 10. **[Baker Jackson](https://lendb.ai/lo/baker-jackson-146931)** (NMLS 146931), JPMorgan Chase Bank (Chase Home Lending), Raleigh, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Raleigh, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[David E Aponte](https://lendb.ai/lo/david-e-aponte-17247)** (NMLS 17247), JPMorgan Chase Bank (Chase Home Lending), Huntersville, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Huntersville, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 12. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Vacation home on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 27, 2021 (Florida), per state regulator 13. **[Michelle Kaufmann](https://lendb.ai/lo/michelle-kaufmann-367684)** (NMLS 367684), JPMorgan Chase Bank (Chase Home Lending), Wake Forest, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Wake Forest, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Thomas Cragg](https://lendb.ai/lo/thomas-cragg-397342)** (NMLS 397342), JPMorgan Chase Bank (Chase Home Lending), Cary, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Cary, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Alex Daskalakis](https://lendb.ai/lo/alex-daskalakis-857295)** (NMLS 857295), JPMorgan Chase Bank (Chase Home Lending), Raleigh, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Raleigh, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Corey Riggs](https://lendb.ai/lo/corey-riggs-146741)** (NMLS 146741), Edge Home Finance, Swansboro, NC - Lists Vacation home on lender page (lender page, verified 2026-10-10) - Office in Swansboro, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 11, 2020 (Florida), per state regulator 17. **[Pete Dempsey](https://lendb.ai/lo/pete-dempsey-98717)** (NMLS 98717), First Citizens Bank, Wilson, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Wilson, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 18. **[Andrew Olson](https://lendb.ai/lo/andrew-olson-453787)** (NMLS 453787), First Citizens Bank, Charlotte, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Charlotte, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 19. **[Alex Macklin](https://lendb.ai/lo/alex-macklin-500343)** (NMLS 500343), First Citizens Bank, Fuquay-Varina, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Fuquay-Varina, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 20. **[Kristen Carmack](https://lendb.ai/lo/kristen-carmack-561148)** (NMLS 561148), First Citizens Bank, Raleigh, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Raleigh, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-09) 21. **[Candace B. Roney](https://lendb.ai/lo/candace-b-roney-561164)** (NMLS 561164), First Citizens Bank, Morehead City, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Morehead City, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 31 years of experience (lender page, 2026-10-09) 22. **[Erik Taylor](https://lendb.ai/lo/erik-taylor-561167)** (NMLS 561167), First Citizens Bank, Raleigh, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Raleigh, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 27 years of experience (lender page, 2026-10-09) 23. **[Angie Warner](https://lendb.ai/lo/angie-warner-737631)** (NMLS 737631), First Citizens Bank, Winston-Salem, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Winston-Salem, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 32 years of experience (lender page, 2026-10-09) 24. **[Walter Ortiz](https://lendb.ai/lo/walter-ortiz-511771)** (NMLS 511771), First Citizens Bank, Charlotte, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Charlotte, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 25. **[Bobby Bradley](https://lendb.ai/lo/bobby-bradley-68470)** (NMLS 68470), First Citizens Bank, Winston-Salem, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Winston-Salem, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 32 years of experience (lender page, 2026-10-09) ## 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/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._