LenDb.ai

Borrower situations · Arizona

Loan officers for 1099 earners in Arizona

As of 2026-10-09, LenDb lists 13 loan officers licensed in or based in Arizona whose lender pages show 1099 income work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Kirk Taylor (CrossCountry Mortgage, Naples) and Karen Flores (Barrett Financial Group, Chandler). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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 10

  1. 1

    Joe SotoNMLS 175142

    CrossCountry Mortgage · Cypress, CA · licensed in 12 states

    • 1099 income
    • Bank statement loan
    • Self-employed
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  2. 2

    Kirk TaylorNMLS 312131

    CrossCountry Mortgage · Naples, FL · licensed in 16 states

    • 1099 income
    • Bank statement loan
    • DSCR loan
    • Self-employed
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Karen FloresNMLS 1113120

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 3 states

    • 1099 income
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  4. 4

    Ana CruzNMLS 1523253

    Barrett Financial Group · Mortgage broker · Chandler, AZ

    • 1099 income
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  5. 5

    Joseph ValVerdeNMLS 1600827

    Loan Factory · Mortgage broker · licensed in 2 states

    • 1099 income
    • Self-employed
    • First-time buyer
    • Real estate investor
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Sheilla LavadiaNMLS 1399453

    Loan Factory · Mortgage broker · licensed in 10 states

    • 1099 income
    • First-time buyer
    • Real estate investor
    • Self-employed
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Burx NorrodNMLS 852144

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 2 states

    • 1099 income
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  8. 8

    Leticia AnchondoNMLS 1790194

    Barrett Financial Group · Mortgage broker · Gilbert, AZ

    • 1099 income
    • Bank statement loan
    • FHA loan
    • First-time buyer
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  9. 9

    Andrew ZavageNMLS 1920906

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 7 states

    • 1099 income
    • Down payment assistance
    • FHA loan
    • HELOC
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 0 years licensed
  10. 10

    John KladisNMLS 2324532

    Loan Factory · Mortgage broker · licensed in 5 states

    • 1099 income
    • Bank statement loan
    • Construction loan
    • DSCR loan
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Agency rules treat 1099 earners like the self-employed, while some non-QM programs qualify directly from 1099 forms.

  • Can you qualify me from my 1099 forms alone?
  • How many years of 1099 history do you need?
  • How do business expenses affect my qualifying income?

More about 1099 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 AZ 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=1099-income&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.