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Borrower situations · Tennessee

Loan officers for 1099 earners in Tennessee

As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in Tennessee whose lender pages show 1099 income work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Kirk Taylor (CrossCountry Mortgage, Naples) and John Nguyen (Guild Mortgage, Boca Raton). Ranking is lender-neutral: specialty evidence first, then a license in TN, 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 5

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

    John NguyenNMLS 389742

    Guild Mortgage · Boca Raton, FL · licensed in 21 states

    • 1099 income
    • Bank statement loan
    • DSCR loan
    • Non-QM loan
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Clinton BiggsNMLS 2612848

    Barrett Financial Group · Mortgage broker · Morristown, TN · licensed in 5 states

    • 1099 income
    • Construction loan
    • FHA loan
    • First-time buyer
    • Lists 1099 income on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • Branch in Tennessee
    • 0 years licensed
  5. 5

    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 TN (listed on lender page, verified 2026-10-09)
    • 4 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 TN 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=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.