Borrower situations · Alabama
Loan officers for self-employed borrowers in Alabama
As of 2026-10-09, LenDb lists 35 loan officers licensed in or based in Alabama whose lender pages show Self-employed work. The top-ranked are James Igbinovia (CrossCountry Mortgage, Scottsdale), Elexis Wilson (Loan Factory) and Jonathan Edwards (Guild Mortgage, Greenwood Village). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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 25
- 1
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (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
Elexis WilsonNMLS 1025448
Loan Factory · Alabama
- Self-employed
- DSCR loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 3
Jonathan EdwardsNMLS 671258
Guild Mortgage · Greenwood Village, CO · licensed in 12 states
- Self-employed
- ITIN borrower
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 4
Chris ParksNMLS 1021326
Churchill Mortgage · Glen Allen, VA · licensed in 6 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 5
Nick RedheadNMLS 594824
Embrace Home Loans · Tampa, FL · licensed in 5 states
- Self-employed
- Non-QM loan
- Real estate investor
- Reverse mortgage
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 6
James HarperNMLS 71317
Fairway Independent Mortgage Corporation · Hendersonville, TN · licensed in 5 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 7
Stephanie Machado BartoNMLS 71339
GMFS Mortgage · Covington, LA · licensed in 7 states
- Self-employed
- Construction loan
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 8
Aaron KerscherNMLS 1012304
Xpert Home Lending · licensed in 6 states
- Self-employed
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Self-employed
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Ivan LinNMLS 2462401
Loan Factory · licensed in 10 states
- Self-employed
- First-time buyer
- Real estate investor
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 11
Jordan HeatherlyNMLS 1312244
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- Self-employed
- FHA loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 12
Neil WoodburyNMLS 1509727
GMFS Mortgage · Mobile, AL · licensed in 4 states
- Self-employed
- Construction loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 8 years licensed
- 13
Brad JohnsonNMLS 92925
GMFS Mortgage · Baton Rouge, LA · licensed in 5 states
- Self-employed
- Construction loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 26 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 14
Tyler CainNMLS 118156
Embrace Home Loans · Temple Terrace, FL · licensed in 9 states
- Self-employed
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 15
Maevelyn WattsNMLS 2497937
CrossCountry Mortgage · Cincinnati, OH · licensed in 16 states
- Self-employed
- FHA loan
- First-time buyer
- HELOC
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Will GoodwinNMLS 1633751
GMFS Mortgage · Fairhope, AL · licensed in 4 states
- Self-employed
- Construction loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 4 years licensed
- 17
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Self-employed
- Condo
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 18
Jeremy BrownNMLS 2663235
GMFS Mortgage · Mobile, AL · licensed in 3 states
- Self-employed
- Construction loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 19
Brandy BoudreauxNMLS 1236884
GMFS Mortgage · Baton Rouge, LA · licensed in 2 states
- Self-employed
- Construction loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 20
Darren GillNMLS 93547
GMFS Mortgage · Baton Rouge, LA · licensed in 6 states
- Self-employed
- Construction loan
- FHA loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Greg PriceNMLS 1494022
GMFS Mortgage · Baton Rouge, LA · licensed in 7 states
- Self-employed
- Construction loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 22
Blake MaggioNMLS 109536
GMFS Mortgage · Prairieville, LA · licensed in 3 states
- Self-employed
- Construction loan
- DSCR loan
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 23
Josh FosterNMLS 618981
GMFS Mortgage · Covington, LA · licensed in 5 states
- Self-employed
- Construction loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 24
Bryan SparacinoNMLS 93466
GMFS Mortgage · Denham Springs, LA · licensed in 4 states
- Self-employed
- First-time buyer
- Recent credit event
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 25
Randi BarrettNMLS 111677
GMFS Mortgage · Covington, LA · licensed in 6 states
- Self-employed
- First-time buyer
- Construction loan
- Down payment assistance
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Tax write-offs reduce qualifying income, so the loan officer must know both agency self-employed rules and alternative documentation options.
- How will you calculate my income from my tax returns?
- Would a bank statement or P&L loan qualify me for more?
- Do I need two years of self-employment history?
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 AL 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=self-employed&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.