--- canonical_url: https://lendb.ai/s/vacation-home/south-carolina last_verified: 2026-10-10 --- # Vacation home loan officers in South Carolina As of 2026-10-10, LenDb lists 25 loan officers licensed in or based in South Carolina whose lender pages show Vacation home work. The top-ranked are Jessica Ochoa (Fairway Independent Mortgage Corporation, Richmond Hill), James Burton (Southern Trust Mortgage, Mt Pleasant) and Mark Schepp (JPMorgan Chase Bank (Chase Home Lending), Mount Pleasant). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - SC 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) 2. **[James Burton](https://lendb.ai/lo/james-burton-2121317)** (NMLS 2121317), Southern Trust Mortgage, Mt Pleasant, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Mt Pleasant, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 5, 2023 (Florida), per state regulator 3. **[Mark Schepp](https://lendb.ai/lo/mark-schepp-474164)** (NMLS 474164), JPMorgan Chase Bank (Chase Home Lending), Mount Pleasant, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Mount Pleasant, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 4. **[Jason Garber](https://lendb.ai/lo/jason-garber-624255)** (NMLS 624255), JPMorgan Chase Bank (Chase Home Lending), Rock Hill, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Rock Hill, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 5. **[Matt Webster](https://lendb.ai/lo/matt-webster-659265)** (NMLS 659265), First Citizens Bank, Bluffton, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Bluffton, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 6. **[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) - SC 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 7. **[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) - SC 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 8. **[Eric Von Bokern](https://lendb.ai/lo/eric-von-bokern-1134718)** (NMLS 1134718), JPMorgan Chase Bank (Chase Home Lending), Greenville, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Greenville, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 9. **[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) - SC 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 10. **[Carolyn S MacIntosh](https://lendb.ai/lo/carolyn-s-macintosh-328205)** (NMLS 328205), First Citizens Bank, Spartanburg, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Spartanburg, SC - SC 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) 11. **[Jack Fakoury](https://lendb.ai/lo/jack-fakoury-618631)** (NMLS 618631), First Citizens Bank, Columbia, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Columbia, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 33 years of experience (lender page, 2026-10-09) 12. **[Stan Carter](https://lendb.ai/lo/stan-carter-718966)** (NMLS 718966), First Citizens Bank, Irmo, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Irmo, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 45 years of experience (lender page, 2026-10-09) 13. **[Ossie Rogers](https://lendb.ai/lo/ossie-rogers-225423)** (NMLS 225423), First Citizens Bank, Columbia, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Columbia, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) 14. **[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) - SC 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) 15. **[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) - SC 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) 16. **[Maggi M. Bryant](https://lendb.ai/lo/maggi-m-bryant-414591)** (NMLS 414591), First Citizens Bank, St. George, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in St. George, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Valerie Leonard](https://lendb.ai/lo/valerie-leonard-415176)** (NMLS 415176), First Citizens Bank, Greenville, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Greenville, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Jennifer Arnold](https://lendb.ai/lo/jennifer-arnold-453357)** (NMLS 453357), First Citizens Bank, Columbia, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Columbia, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Sandra Upton](https://lendb.ai/lo/sandra-upton-480518)** (NMLS 480518), First Citizens Bank, Greenville, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Greenville, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Lynne B. Elliott](https://lendb.ai/lo/lynne-b-elliott-483363)** (NMLS 483363), First Citizens Bank, Greenwood, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Greenwood, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Marcus White](https://lendb.ai/lo/marcus-white-758160)** (NMLS 758160), First Citizens Bank, Charleston, SC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Charleston, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Craig Helmers](https://lendb.ai/lo/craig-helmers-94666)** (NMLS 94666), First Citizens Bank, Raleigh, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Bill Duff](https://lendb.ai/lo/bill-duff-412444)** (NMLS 412444), First Citizens Bank, Raleigh, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[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) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Taylor Countryman](https://lendb.ai/lo/taylor-countryman-110073)** (NMLS 110073), First Citizens Bank, Charlotte, NC - Lists Vacation home on lender page (lender page, verified 2026-10-09) - SC 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/south-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._