--- canonical_url: https://lendb.ai/s/self-employed/california last_verified: 2026-10-09 --- # Loan officers for self-employed borrowers in California As of 2026-10-09, LenDb lists 283 loan officers licensed in or based in California whose lender pages show Self-employed work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Cyndi Natalie Nunez (Guild Mortgage, Santa Maria) and Eric Whitcomb (CrossCountry Mortgage, Cypress). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Joe Soto](https://lendb.ai/lo/joe-soto-175142)** (NMLS 175142), CrossCountry Mortgage, Cypress, CA - 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. **[Cyndi Natalie Nunez](https://lendb.ai/lo/cyndi-nunez-255666)** (NMLS 255666), Guild Mortgage, Santa Maria, CA - 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) 3. **[Eric Whitcomb](https://lendb.ai/lo/eric-whitcomb-395360)** (NMLS 395360), CrossCountry Mortgage, Cypress, CA - 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) 4. **[Eevon Aw](https://lendb.ai/lo/eevon-aw-895550)** (NMLS 895550), JPMorgan Chase Bank (Chase Home Lending), San Jose, CA - 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) 5. **[Jesus Renteria](https://lendb.ai/lo/jesus-renteria-275750)** (NMLS 275750), Envoy Mortgage, Walnut Creek, CA - 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 Kessler](https://lendb.ai/lo/kurt-r-kessler-365130)** (NMLS 365130), Barrett Financial Group, Carlsbad, CA - 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 Flure](https://lendb.ai/lo/beth-flure-2663278)** (NMLS 2663278), Xpert Home Lending, CA - 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. **[Charity Maupin](https://lendb.ai/lo/charity-maupin-358059)** (NMLS 358059), CrossCountry Mortgage, Henderson, NV - 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) 9. **[Cathy Sabater](https://lendb.ai/lo/catherine-sabater-373470)** (NMLS 373470), Empire Home Loans, San Diego, CA - 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 10. **[Rebecca Hobson](https://lendb.ai/lo/rebecca-hobson-424963)** (NMLS 424963), Guild Mortgage, Reno, NV - 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) 11. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - 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) 12. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY - 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 13. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - 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. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - 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 15. **[Joe Smith](https://lendb.ai/lo/joseph-smith-481139)** (NMLS 481139), CrossCountry Mortgage, Boston, MA - 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 16. **[Raena Pinchuk](https://lendb.ai/lo/raena-pinchuk-1488388)** (NMLS 1488388), CrossCountry Mortgage, Coeur d'Alene, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in CA (listed on lender page, verified 2026-10-09) - 17 years experience (stated on lender page, 2026-10-09) 17. **[Corey Husted](https://lendb.ai/lo/corey-husted-1248167)** (NMLS 1248167), Intercap Lending, San Diego, CA - 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 18. **[Bob Dhindsa](https://lendb.ai/lo/bob-dhindsa-2783942)** (NMLS 2783942), Xpert Home Lending, Roseville, CA - 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) 19. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL - 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 20. **[Lucy Urena](https://lendb.ai/lo/lucy-urena-249339)** (NMLS 249339), Guild Mortgage, Ontario, CA - 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 21. **[Brian Sciutto](https://lendb.ai/lo/brian-sciutto-240192)** (NMLS 240192), CrossCountry Mortgage, San Diego, CA - 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 22. **[Khadija Mirza](https://lendb.ai/lo/khadija-mirza-398414)** (NMLS 398414), CrossCountry Mortgage, Walnut Creek, CA - 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 23. **[Kimberly Antenucci](https://lendb.ai/lo/kimberly-antenucci-1145867)** (NMLS 1145867), CrossCountry Mortgage, Syracuse, NY - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in CA (listed on lender page, verified 2026-10-09) - 11 years licensed 24. **[Joe Pereira](https://lendb.ai/lo/joe-pereira-1734139)** (NMLS 1734139), C2 Financial Corporation - 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) 25. **[Craig Miller Jr](https://lendb.ai/lo/craig-miller-686948)** (NMLS 686948), Guild Mortgage, Alexandria, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in CA (listed on lender page, verified 2026-10-09) - 6 years licensed ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/self-employed/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._