Property types · Washington
Vacation home loan officers in Washington
As of 2026-10-09, LenDb lists 34 loan officers licensed in or based in Washington whose lender pages show Vacation home work. The top-ranked are Pat Fox (Union Home Mortgage, Tigard), Melissa Bergren (Guild Mortgage, Ellensburg) and Bill Clark (Fairway Independent Mortgage Corporation, Clackamas). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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
Pat FoxNMLS 199779
Union Home Mortgage · Tigard, OR · licensed in 6 states
- Vacation home
- First-time buyer
- Real estate investor
- VA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (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
- 2
Melissa BergrenNMLS 931932
Guild Mortgage · Ellensburg, WA · licensed in 3 states
- Vacation home
- Construction loan
- First-time buyer
- VA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 3
Bill ClarkNMLS 220837
Fairway Independent Mortgage Corporation · Clackamas, OR · licensed in 2 states
- Vacation home
- FHA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 27 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
Cheryl HubbellNMLS 176331
Newrez · Seattle, WA
- Vacation home
- Real estate investor
- Condo
- New construction
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- 32 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Rimma IsrayelyanNMLS 157213
American Pacific Mortgage · Bellevue, WA
- Vacation home
- Condo
- Down payment assistance
- FHA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 6
Ben TatroNMLS 92146
JPMorgan Chase Bank (Chase Home Lending) · Kennewick, WA
- Vacation home
- VA loan
- FHA loan
- Self-employed
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 7
Jeff John BaxterNMLS 1678307
Guild Mortgage · Bothell, WA · licensed in 3 states
- Vacation home
- First-time buyer
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 8
Joey MoreaNMLS 1978552
Barrett Financial Group · Mortgage broker · 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 WA (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 9
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 WA (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
- 10
Yosh W AngersbachNMLS 190943
JPMorgan Chase Bank (Chase Home Lending) · Seattle, WA
- Vacation home
- Co-op
- Condo
- Self-employed
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 11
Gary ArmstrongNMLS 670072
JPMorgan Chase Bank (Chase Home Lending) · Burien, WA
- Vacation home
- Jumbo loan
- FHA loan
- VA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 12
Jacqueline AllenNMLS 528786
CrossCountry Mortgage · El Segundo, CA · licensed in 7 states
- Vacation home
- Condo
- Jumbo loan
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 13
Leah BuenoNMLS 517795
BECU · Credit union · Columbia City, WA
- Vacation home
- First-time buyer
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- 26 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 14
Sherry VanceNMLS 121924
Guild Mortgage · Clackamas, OR · licensed in 5 states
- Vacation home
- FHA loan
- USDA loan
- VA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
Kylie MillerNMLS 562713
CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states
- Vacation home
- Jumbo loan
- New construction
- Physician and medical professional
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 16
Cassie MillerNMLS 2176358
Guild Mortgage · Coeur D Alene, ID · licensed in 2 states
- Vacation home
- First-time buyer
- Real estate investor
- Down payment assistance
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
Heidi HernandezNMLS 2810962
Xpert Home Lending · Mortgage broker · licensed in 6 states
- Vacation home
- Real estate investor
- First-time buyer
- Construction loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
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 WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Nick CarterNMLS 200547
Directors Mortgage · Eugene, OR · licensed in 8 states
- Vacation home
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Kevin RudrudNMLS 335381
NFM Lending · Kailua-Kona, HI · licensed in 7 states
- Vacation home
- FHA loan
- First-time buyer
- VA loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Jon DunckelNMLS 455608
Homeowners Financial Group · Walnut Creek, CA · licensed in 7 states
- Vacation home
- FHA loan
- HELOC
- Real estate investor
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
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 WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Huong LeNMLS 1493436
JPMorgan Chase Bank (Chase Home Lending) · Seattle, WA
- Vacation home
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 24
Shiyan LiuNMLS 2470720
JPMorgan Chase Bank (Chase Home Lending) · Bellevue, WA
- Vacation home
- Self-employed
- Jumbo loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 25
Dan NoelNMLS 668563
JPMorgan Chase Bank (Chase Home Lending) · Mercer Island, WA
- Vacation home
- Self-employed
- FHA loan
- Jumbo loan
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- 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?
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 WA 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.