---
canonical_url: https://lendb.ai/s/1099-income/california
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Joe Soto](https://lendb.ai/lo/joe-soto-175142)** (NMLS 175142), CrossCountry Mortgage, Cypress, CA
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Office in Cypress, CA
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 21, 2014 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
3. **[Vivian Pang](https://lendb.ai/lo/vivian-pang-2012258)** (NMLS 2012258), Loan Factory
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 12, 2024 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
4. **[Sheilla Lavadia](https://lendb.ai/lo/sheilla-lavadia-1399453)** (NMLS 1399453), Loan Factory
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: July 10, 2023 (Florida), per state regulator
   - States 22 years of experience (lender page, 2026-10-09)
5. **[Joseph ValVerde](https://lendb.ai/lo/joseph-valverde-1600827)** (NMLS 1600827), Loan Factory
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: April 7, 2021 (Florida), per state regulator
6. **[Philip Doos](https://lendb.ai/lo/philip-doos-2379827)** (NMLS 2379827), Loan Factory, CA
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Office in California
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/1099-income/california.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._