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

# Loan officers for 1099 earners in Florida

As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Florida whose lender pages show 1099 income work. The top-ranked are Kirk Taylor (CrossCountry Mortgage, Naples), Vivian Pang (Loan Factory) and Sheilla Lavadia (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - Office in Naples, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO24057), verified 2026-10-09
   - Earliest state license record: March 21, 2014 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
2. **[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)
   - Licensed in FL: confirmed with the Florida regulator (license LO126814), verified 2026-10-09
   - Earliest state license record: March 12, 2024 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
3. **[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)
   - Licensed in FL: confirmed with the Florida regulator (license LO121370), verified 2026-10-09
   - Earliest state license record: July 10, 2023 (Florida), per state regulator
   - States 22 years of experience (lender page, 2026-10-09)
4. **[Christopher Gibson](https://lendb.ai/lo/christopher-gibson-1910430)** (NMLS 1910430), C2 Financial Corporation
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO128360), verified 2026-10-09
   - Earliest state license record: December 11, 2019 (Colorado), per state regulator
   - States 15 years of experience (lender page, 2026-10-09)
5. **[Brian Sewell](https://lendb.ai/lo/brian-sewell-212085)** (NMLS 212085), Guild Mortgage, Frankfort, IL
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO114012), verified 2026-10-09
   - Earliest state license record: October 6, 2022 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
6. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO80935), verified 2026-10-09
   - Earliest state license record: January 27, 2021 (Florida), per state regulator
   - States 15 years of experience (lender page, 2026-10-09)
7. **[Aristides Soto](https://lendb.ai/lo/aristides-soto-oliveros-2178368)** (NMLS 2178368), Barrett Financial Group, Gilbert, AZ
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO94486), verified 2026-10-09
   - Earliest state license record: September 14, 2021 (Florida), per state regulator

## 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/florida.

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