Property types · Oregon
Vacation home loan officers in Oregon
As of 2026-10-09, LenDb lists 12 loan officers licensed in or based in Oregon whose lender pages show Vacation home work. The top-ranked are Pat Fox (Union Home Mortgage, Tigard), Daniel Patrick Nacarato (Barrett Financial Group, Chandler) and Bill Clark (Fairway Independent Mortgage Corporation, Clackamas). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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 12
- 1
Pat FoxNMLS 199779
Union Home Mortgage · Tigard, OR · licensed in 6 states
- Vacation home
- First-time buyer
- Real estate investor
- OR 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 Tigard, OR
- States 17 years of experience (lender page, 2026-10-09)
- 2
Daniel Patrick NacaratoNMLS 247584
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 5 states
- Vacation home
- First-time buyer
- Real estate investor
- VA loan
- OR 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 Colorado records)
- States 25 years of experience (lender page, 2026-10-09)
- 3
Bill ClarkNMLS 220837
Fairway Independent Mortgage Corporation · Clackamas, OR · licensed in 2 states
- Vacation home
- FHA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- OR 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 Clackamas, OR
- States 27 years of experience (lender page, 2026-10-09)
- 4
Laura KochNMLS 1954783
Guild Mortgage · Clackamas, OR · licensed in 2 states
- Vacation home
- Condo
- Down payment assistance
- FHA loan
- OR 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 Clackamas, OR
- 5
Jacqueline AllenNMLS 528786
CrossCountry Mortgage · El Segundo, CA · licensed in 7 states
- Vacation home
- Condo
- Jumbo loan
- Real estate investor
- OR 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 25 years of experience (lender page, 2026-10-09)
- 6
Kevin RudrudNMLS 335381
NFM Lending · Kailua-Kona, HI · licensed in 7 states
- Vacation home
- First-time buyer
- FHA loan
- VA loan
- OR 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
Nick CarterNMLS 200547
Directors Mortgage · Eugene, OR · licensed in 8 states
- Vacation home
- Real estate investor
- OR 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 Eugene, OR
- 8
Alejandra Barbosa BonolaNMLS 2641718
JPMorgan Chase Bank (Chase Home Lending) · Bank · Hillsboro, OR
- Vacation home
- HELOC
- VA loan
- 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 Hillsboro, OR
- 9
Paul SteensonNMLS 468097
JPMorgan Chase Bank (Chase Home Lending) · Bank · Bend, OR
- Vacation home
- Co-op
- Condo
- 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 Bend, OR
- 10
Michael AlbertsonNMLS 570642
JPMorgan Chase Bank (Chase Home Lending) · Bank · Portland, OR
- Vacation home
- FHA loan
- VA loan
- Jumbo 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 Portland, OR
- 11
Cody TealNMLS 65382
First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states
- Vacation home
- Construction loan
- First-time buyer
- Jumbo loan
- OR 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)
- 12
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Vacation home
- Down payment assistance
- Physician and medical professional
- HELOC
- OR 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?
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 OR license is confirmed with the state regulator (check mark), OR 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=OR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.