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Property types · Wisconsin

Vacation home loan officers in Wisconsin

As of 2026-10-09, LenDb lists 14 loan officers licensed in or based in Wisconsin whose lender pages show Vacation home work. The top-ranked are Amber Garofalo (CrossCountry Mortgage, White Bear Lake), Stephani Beckman (First Citizens Bank, Wauwatosa) and Joanna White (Union Home Mortgage, Arlington Heights). Ranking is lender-neutral: specialty evidence first, then a license in WI, 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 13

  1. 1

    Amber GarofaloNMLS 518359

    CrossCountry Mortgage · White Bear Lake, MN · licensed in 4 states

    • Vacation home
    • Construction loan
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in WI (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Stephani BeckmanNMLS 553903

    First Citizens Bank · Wauwatosa, WI

    • Vacation home
    • Real estate investor
    • Construction loan
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in WI (listed on lender page, verified 2026-10-09)
    • Branch in Wisconsin
    • 15 years experience (stated on lender page, 2026-10-09)
  3. 3

    Joanna WhiteNMLS 404853

    Union Home Mortgage · Arlington Heights, IL · licensed in 5 states

    • Vacation home
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in WI (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    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 WI (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Cary MeyersNMLS 584519

    Guild Mortgage · Oswego, IL · licensed in 6 states

    • Vacation home
    • Down payment assistance
    • DSCR loan
    • FHA loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed in WI (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Charles J SindelarNMLS 915408

    JPMorgan Chase Bank (Chase Home Lending) · Brookfield, WI

    • Vacation home
    • Low credit score
    • Self-employed
    • Down payment assistance
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Wisconsin; no license list on file yet, verify at NMLS Consumer Access
    • 13 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    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 WI (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
  8. 8

    Bridget IscheNMLS 480187

    Guild Mortgage · Prior Lake, MN · licensed in 7 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 WI (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Justin GrossNMLS 1915576

    JPMorgan Chase Bank (Chase Home Lending) · Wauwatosa, WI

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

    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 WI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    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 WI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  12. 12

    Bobby FisherNMLS 1440788

    JPMorgan Chase Bank (Chase Home Lending) · Oak Creek, WI

    • Vacation home
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Wisconsin; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  13. 13

    Mandi StachowiakNMLS 1978441

    JPMorgan Chase Bank (Chase Home Lending) · Waukesha, WI

    • Vacation home
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Branch in Wisconsin; 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?

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 WI 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=WI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.