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Property types · Virginia

Vacation home loan officers in Virginia

As of 2026-10-09, LenDb lists 35 loan officers licensed in or based in Virginia whose lender pages show Vacation home work. The top-ranked are Trisha Cooper (ALCOVA Mortgage, Chantilly), Katie Shiers (Guild Mortgage, Charlottesville) and Stephanie Sequeira (Atlantic Coast Mortgage, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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. 1

    Trisha CooperNMLS 1965251

    ALCOVA Mortgage · Chantilly, VA · licensed in 3 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Self-employed
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 5 years licensed
  2. 2

    Katie ShiersNMLS 1594448

    Guild Mortgage · Charlottesville, VA · licensed in 3 states

    • Vacation home
    • First-time buyer
    • New construction
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  3. 3

    Stephanie SequeiraNMLS 2107275

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 7 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 1 years licensed
  4. 4

    Matt MierasNMLS 245686

    Guild Mortgage · Charleston, SC · licensed in 8 states

    • Vacation home
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Kimberly WalkerNMLS 1426402

    JPMorgan Chase Bank (Chase Home Lending) · Williamsburg, VA

    • Vacation home
    • FHA loan
    • First-time buyer
    • Self-employed
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Owen Michael EdwardsNMLS 219112

    Guild Mortgage · Columbia, SC · licensed in 6 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Robert HoyNMLS 476444

    Guild Mortgage · Chantilly, VA · licensed in 4 states

    • Vacation home
    • Self-employed
    • VA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 12 years experience (stated on lender page, 2026-10-09)
  8. 8

    Ron HaddadNMLS 204443

    Union Home Mortgage · Arlington Heights, IL · licensed in 8 states

    • Vacation home
    • Down payment assistance
    • Jumbo loan
    • New construction
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Alex MacklinNMLS 500343

    First Citizens Bank · Fuquay-Varina, NC · licensed in 4 states

    • Vacation home
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  10. 10

    Ossie RogersNMLS 225423

    First Citizens Bank · Columbia, SC · licensed in 4 states

    • Vacation home
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 18 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Joey MoreaNMLS 1978552

    Barrett Financial Group · Chandler, AZ · licensed in 28 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Iris LegaspiNMLS 690505

    First Citizens Bank · San Diego, CA · licensed in 35 states

    • Vacation home
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  13. 13

    Michelle RotenNMLS 118635

    Union Home Mortgage · Burlington, NC · licensed in 3 states

    • Vacation home
    • New construction
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Mike TravisNMLS 177511

    First Heritage Mortgage · Wake Forest, NC · licensed in 6 states

    • Vacation home
    • Construction loan
    • FHA loan
    • First-time buyer
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Ken ByrneNMLS 187129

    ALCOVA Mortgage · Chantilly, VA · licensed in 7 states

    • Vacation home
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 1 years licensed
  16. 16

    Jason NaderNMLS 313085

    First Home Mortgage · Annapolis, MD · licensed in 7 states

    • Vacation home
    • FHA loan
    • First-time buyer
    • USDA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Paula BrownNMLS 414569

    First Citizens Bank · Roanoke, VA · licensed in 2 states

    • Vacation home
    • Construction loan
    • Down payment assistance
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  18. 18

    Susan SimmonsNMLS 1644779

    First Citizens Bank · Roanoke, VA

    • Vacation home
    • Construction loan
    • FHA loan
    • First-time buyer
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  19. 19

    Tracy RichNMLS 70494

    Union Home Mortgage · High Point, NC · licensed in 5 states

    • Vacation home
    • FHA loan
    • Jumbo loan
    • New construction
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Dolores (Dee) BardesNMLS 149465

    Union Home Mortgage · Kingsport, TN · licensed in 2 states

    • Vacation home
    • First-time buyer
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Lisa BrownNMLS 2103832

    Guild Mortgage · Raleigh, NC · licensed in 5 states

    • Vacation home
    • Jumbo loan
    • First-time buyer
    • Down payment assistance
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Jeanne BidwellNMLS 313615

    First Heritage Mortgage · licensed in 4 states

    • Vacation home
    • First-time buyer
    • New construction
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Robert CarterNMLS 898005

    Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states

    • Vacation home
    • Condo
    • Construction loan
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Cody TealNMLS 65382

    First Citizens Bank · Wilmington, NC · licensed in 33 states

    • Vacation home
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  25. 25

    Manen PanNMLS 1006352

    First Citizens Bank · Pasadena, CA · licensed in 32 states

    • Vacation home
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

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?

More about Vacation home

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in VA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=vacation-home&state=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.