---
canonical_url: https://lendb.ai/s/vacation-home/oregon
last_verified: 2026-10-11
---

# Vacation home loan officers in Oregon

As of 2026-10-11, LenDb lists 13 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.

## 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)
   - Office in Tigard, OR
   - OR 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. **[Daniel Patrick Nacarato](https://lendb.ai/lo/daniel-nacarato-247584)** (NMLS 247584), Barrett Financial Group, Chandler, AZ
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: August 10, 2021 (Colorado), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
3. **[Bill Clark](https://lendb.ai/lo/bill-clark-220837)** (NMLS 220837), Fairway Independent Mortgage Corporation, Clackamas, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Clackamas, OR
   - OR 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)
4. **[Laura Koch](https://lendb.ai/lo/laura-koch-1954783)** (NMLS 1954783), Guild Mortgage, Clackamas, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Clackamas, OR
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
5. **[Jacqueline Allen](https://lendb.ai/lo/jacqueline-allen-528786)** (NMLS 528786), CrossCountry Mortgage, El Segundo, CA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 15, 2021 (Florida), per state regulator
   - States 25 years of experience (lender page, 2026-10-09)
6. **[Kevin Rudrud](https://lendb.ai/lo/kevin-rudrud-335381)** (NMLS 335381), NFM Lending, Kailua-Kona, HI
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
7. **[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)
   - Office in Eugene, OR
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
8. **[Nick Prohaska](https://lendb.ai/lo/nick-prohaska-876326)** (NMLS 876326), CMG Home Loans, Lake Oswego, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-11)
   - Office in Lake Oswego, OR
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 15 years of experience (lender page, 2026-10-11)
9. **[Alejandra Barbosa Bonola](https://lendb.ai/lo/alejandra-barbosa-bonola-2641718)** (NMLS 2641718), JPMorgan Chase Bank (Chase Home Lending), Hillsboro, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Hillsboro, OR
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
10. **[Paul Steenson](https://lendb.ai/lo/paul-steenson-468097)** (NMLS 468097), JPMorgan Chase Bank (Chase Home Lending), Bend, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Bend, OR
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
11. **[Michael Albertson](https://lendb.ai/lo/michael-albertson-570642)** (NMLS 570642), JPMorgan Chase Bank (Chase Home Lending), Portland, OR
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Portland, OR
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
12. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
13. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - OR 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/oregon.

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