--- canonical_url: https://lendb.ai/s/vacation-home/washington last_verified: 2026-10-09 --- # Vacation home loan officers in Washington As of 2026-10-09, LenDb lists 33 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. ## 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) - 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 Bergren](https://lendb.ai/lo/melissa-bergren-931932)** (NMLS 931932), Guild Mortgage, Ellensburg, WA - 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 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) - 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. **[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) - Licensed in WA (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 5. **[Cheryl Hubbell](https://lendb.ai/lo/cheryl-hubbell-176331)** (NMLS 176331), Newrez, Seattle, WA - 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 6. **[Rimma Israyelyan](https://lendb.ai/lo/rimma-israyelyan-157213)** (NMLS 157213), American Pacific Mortgage, Bellevue, WA - 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. **[Ben Tatro](https://lendb.ai/lo/ben-tatro-92146)** (NMLS 92146), JPMorgan Chase Bank (Chase Home Lending), Kennewick, WA - 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. **[Jeff John Baxter](https://lendb.ai/lo/jeff-john-baxter-1678307)** (NMLS 1678307), Guild Mortgage, Bothell, WA - 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 9. **[Joey Morea](https://lendb.ai/lo/joseph-morea-1978552)** (NMLS 1978552), Barrett Financial Group, Chandler, AZ - 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 10. **[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) - 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 11. **[Yosh W Angersbach](https://lendb.ai/lo/yosh-w-angersbach-190943)** (NMLS 190943), JPMorgan Chase Bank (Chase Home Lending), Seattle, WA - 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. **[Gary Armstrong](https://lendb.ai/lo/gary-armstrong-670072)** (NMLS 670072), JPMorgan Chase Bank (Chase Home Lending), Burien, WA - 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 13. **[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) - Licensed in WA (listed on lender page, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb 14. **[Leah Bueno](https://lendb.ai/lo/leah-bueno-517795)** (NMLS 517795), BECU, Columbia City, WA - 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 15. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - 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. **[Heidi Hernandez](https://lendb.ai/lo/heidi-hernandez-2810962)** (NMLS 2810962), Xpert Home Lending - 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. **[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) - Licensed in WA (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 18. **[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) - Licensed in WA (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 19. **[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) - Licensed in WA (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 20. **[Jon Dunckel](https://lendb.ai/lo/jon-dunckel-455608)** (NMLS 455608), Homeowners Financial Group, Walnut Creek, CA - 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. **[Manen Pan](https://lendb.ai/lo/manen-pan-1006352)** (NMLS 1006352), First Citizens Bank, Pasadena, CA - 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. **[Huong Le](https://lendb.ai/lo/huong-le-1493436)** (NMLS 1493436), JPMorgan Chase Bank (Chase Home Lending), Seattle, WA - 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 23. **[Shiyan Liu](https://lendb.ai/lo/shiyan-liu-2470720)** (NMLS 2470720), JPMorgan Chase Bank (Chase Home Lending), Bellevue, WA - 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. **[Dan Noel](https://lendb.ai/lo/dan-noel-668563)** (NMLS 668563), JPMorgan Chase Bank (Chase Home Lending), Mercer Island, WA - 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. **[Joshua Buckingham](https://lendb.ai/lo/joshua-buckingham-670133)** (NMLS 670133), JPMorgan Chase Bank (Chase Home Lending), Seattle, WA - 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 ## 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/washington. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._