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

# Loan officers for 1099 earners in Virginia

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Virginia whose lender pages show 1099 income work. The top-ranked are Kirk Taylor (CrossCountry Mortgage, Naples), Ronald Atamian (CrossCountry Mortgage, Allentown) and Rachel Pham (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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)
   - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2014 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[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)
   - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
3. **[Rachel Pham](https://lendb.ai/lo/rachel-pham-1656687)** (NMLS 1656687), Loan Factory
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[Maikel Hanna](https://lendb.ai/lo/maikel-hanna-2583311)** (NMLS 2583311), Loan Factory
   - Lists 1099 income on lender page (lender page, verified 2026-10-09)
   - VA 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/virginia.

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