--- canonical_url: https://lendb.ai/s/vacation-home/virginia last_verified: 2026-10-10 --- # Vacation home loan officers in Virginia As of 2026-10-10, LenDb lists 25 loan officers licensed in or based in Virginia whose lender pages show Vacation home work. The top-ranked are Jessica Ochoa (Fairway Independent Mortgage Corporation, Richmond Hill), Ron Haddad (Union Home Mortgage, Arlington Heights) and Richard Johnson (Lower, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 2. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[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) - Office in Fairfax, VA - VA 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) 4. **[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) - Office in Chantilly, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 8 years of experience (lender page, 2026-10-09) 5. **[Felicia Howey](https://lendb.ai/lo/felicia-howey-459689)** (NMLS 459689), JPMorgan Chase Bank (Chase Home Lending), Chesterfield, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Chesterfield, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2018 (per Florida records) 6. **[George Tabora](https://lendb.ai/lo/george-tabora-2049966)** (NMLS 2049966), American Pacific Mortgage, Reston, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Reston, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 7. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 8. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[George Karousos](https://lendb.ai/lo/george-karousos-101096)** (NMLS 101096), JPMorgan Chase Bank (Chase Home Lending), Henrico, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Henrico, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 10. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 11. **[Louis Patierno](https://lendb.ai/lo/louis-patierno-9820)** (NMLS 9820), JPMorgan Chase Bank (Chase Home Lending), McLean, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in McLean, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 12. **[Daniel MacDougall](https://lendb.ai/lo/daniel-macdougall-266414)** (NMLS 266414), JPMorgan Chase Bank (Chase Home Lending), Charlottesville, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Charlottesville, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[Kelly Freeland](https://lendb.ai/lo/kelly-freeland-598584)** (NMLS 598584), JPMorgan Chase Bank (Chase Home Lending), Arlington, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Arlington, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Mickey Metzger](https://lendb.ai/lo/mickey-metzger-943842)** (NMLS 943842), JPMorgan Chase Bank (Chase Home Lending), Reston, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Reston, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Kimberly Walker](https://lendb.ai/lo/kimberly-walker-1426402)** (NMLS 1426402), JPMorgan Chase Bank (Chase Home Lending), Williamsburg, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Williamsburg, VA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Bill Rance](https://lendb.ai/lo/william-rance-2779120)** (NMLS 2779120), Loan Factory - Lists Vacation home on lender page (lender page, verified 2026-10-09) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 17. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 18. **[Paula Brown](https://lendb.ai/lo/paula-brown-414569)** (NMLS 414569), First Citizens Bank, Roanoke, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Roanoke, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 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) - VA 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. **[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) - VA 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) 21. **[Susan Simmons](https://lendb.ai/lo/susan-simmons-1644779)** (NMLS 1644779), First Citizens Bank, Roanoke, VA - Lists Vacation home on lender page (lender page, verified 2026-10-09) - Office in Roanoke, VA - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[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) - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[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) - VA 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._