Borrower situations · California
Loan officers for self-employed borrowers in California
As of 2026-10-09, LenDb lists 293 loan officers licensed in or based in California whose lender pages show Self-employed work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Eric Whitcomb (CrossCountry Mortgage, Cypress) and Eevon Aw (JPMorgan Chase Bank (Chase Home Lending), San Jose). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Self-employed
- 1099 income
- Bank statement loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 20 years experience (stated on lender page, 2026-10-09)
- 2
Eric WhitcombNMLS 395360
CrossCountry Mortgage · Cypress, CA · licensed in 3 states
- Self-employed
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 25 years experience (stated on lender page, 2026-10-09)
- 3
Eevon AwNMLS 895550
JPMorgan Chase Bank (Chase Home Lending) · San Jose, CA
- Self-employed
- FHA loan
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 13 years experience (stated on lender page, 2026-10-09)
- 4
Cyndi NunezNMLS 255666
Guild Mortgage · Santa Maria, CA · licensed in 2 states
- Self-employed
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 40 years experience (stated on lender page, 2026-10-09)
- 5
Jesus RenteriaNMLS 275750
Envoy Mortgage · Walnut Creek, CA
- Self-employed
- Down payment assistance
- First-time buyer
- Low credit score
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 25 years experience (stated on lender page, 2026-10-09)
- 6
Kurt R KesslerNMLS 365130
Barrett Financial Group · Mortgage broker · Carlsbad, CA
- Self-employed
- DSCR loan
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 30 years experience (stated on lender page, 2026-10-09)
- 7
Beth FlureNMLS 2663278
Xpert Home Lending · Mortgage broker · California
- Self-employed
- FHA loan
- First-time buyer
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 40 years experience (stated on lender page, 2026-10-09)
- 8
Karen CardNMLS 235218
American Pacific Mortgage · Dana Point, CA
- Self-employed
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 35 years experience (stated on lender page, 2026-10-09)
- 9
Charity MaupinNMLS 358059
CrossCountry Mortgage · Henderson, NV · licensed in 4 states
- Self-employed
- Real estate investor
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Cathy SabaterNMLS 373470
Empire Home Loans · Mortgage broker · San Diego, CA · licensed in 5 states
- Self-employed
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 14 years licensed
- 11
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 CA (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
- 12
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY · licensed in 18 states
- Self-employed
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 13
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 5 years licensed
- 14
Joe SmithNMLS 481139
CrossCountry Mortgage · Boston, MA · licensed in 8 states
- Self-employed
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 15
Corey HustedNMLS 1248167
Intercap Lending · San Diego, CA · licensed in 3 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 11 years licensed
- 16
Bob DhindsaNMLS 2783942
Xpert Home Lending · Mortgage broker · Roseville, CA
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 13 years experience (stated on lender page, 2026-10-09)
- 17
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Self-employed
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 18
Brian SciuttoNMLS 240192
CrossCountry Mortgage · San Diego, CA
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 19
Joe PereiraNMLS 1734139
C2 Financial Corporation · Mortgage broker
- Self-employed
- Real estate investor
- VA loan
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Justin MeadNMLS 1656276
CrossCountry Mortgage · South Burlington, VT · licensed in 9 states
- Self-employed
- VA loan
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 21
Vince StasollaNMLS 148704
CrossCountry Mortgage · Pittsburgh, PA · licensed in 23 states
- Self-employed
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 22
Jay CoxNMLS 448416
CrossCountry Mortgage · Pittsburgh, PA · licensed in 8 states
- Self-employed
- Jumbo loan
- New construction
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 23
Lucy UrenaNMLS 249339
Guild Mortgage · Ontario, CA
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- No disciplinary actions on file at LenDb
- 24
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Self-employed
- Condo
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 25
Nili Sinai-NathanNMLS 248616
C2 Financial Corporation · Mortgage broker · Los Angeles, CA
- Self-employed
- Bank statement loan
- Recent credit event
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in CA (listed on lender page, verified 2026-10-09)
- Branch in California
- 24 years experience (stated on lender page, 2026-10-09)
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 CA 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=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.