Borrower situations · Texas

Loan officers for 1099 earners in Texas

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Texas whose lender pages show 1099 income work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Kirk Taylor (CrossCountry Mortgage, Naples) and Sheilla Lavadia (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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
    • TX 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)
    • 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
    • TX 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)
    • Earliest state license record: March 21, 2014 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Sheilla LavadiaNMLS 1399453

    Loan Factory · Mortgage broker · licensed in 10 states

    • 1099 income
    • First-time buyer
    • Real estate investor
    • Self-employed
    • TX 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)
    • Earliest state license record: July 10, 2023 (Florida), per state regulator
    • States 22 years of experience (lender page, 2026-10-09)
  4. 4

    Brian SewellNMLS 212085

    Guild Mortgage · Frankfort, IL · licensed in 6 states

    • 1099 income
    • First-time buyer
    • Physician and medical professional
    • Real estate investor
    • TX 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)
    • Earliest state license record: October 6, 2022 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-09)
  5. 5

    Rachel PhamNMLS 1656687

    Loan Factory · Mortgage broker · licensed in 4 states

    • 1099 income
    • First-time buyer
    • Real estate investor
    • Self-employed
    • TX 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)
  6. 6

    Phi TranNMLS 1964446

    Loan Factory · Mortgage broker · Texas

    • 1099 income
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • TX 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 Texas

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 TX license is confirmed with the state regulator (check mark), TX 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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.