Borrower situations · California

Loan officers for 1099 earners in California

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in California whose lender pages show 1099 income work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Kirk Taylor (CrossCountry Mortgage, Naples) and Vivian Pang (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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 6

  1. 1

    Joe SotoNMLS 175142

    CrossCountry Mortgage · Cypress, CA · licensed in 12 states

    • 1099 income
    • Bank statement loan
    • Self-employed
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Office in Cypress, CA
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Kirk TaylorNMLS 312131

    CrossCountry Mortgage · Naples, FL · licensed in 16 states

    • 1099 income
    • Bank statement loan
    • DSCR loan
    • Self-employed
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed since 2014 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Vivian PangNMLS 2012258

    Loan Factory · Mortgage broker · licensed in 2 states

    • 1099 income
    • First-time buyer
    • Foreign national
    • ITIN borrower
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  4. 4

    Sheilla LavadiaNMLS 1399453

    Loan Factory · Mortgage broker · licensed in 10 states

    • 1099 income
    • First-time buyer
    • Real estate investor
    • Self-employed
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 22 years of experience (lender page, 2026-10-09)
  5. 5

    Joseph ValVerdeNMLS 1600827

    Loan Factory · Mortgage broker · licensed in 2 states

    • 1099 income
    • Self-employed
    • VA loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  6. 6

    Philip DoosNMLS 2379827

    Loan Factory · Mortgage broker · California

    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • DSCR loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Office in California

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 are listed when a CA license is confirmed with the state regulator (check mark), CA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=1099-income&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.