Borrower situations · District of Columbia
Loan officers for self-employed borrowers in District of Columbia
As of 2026-10-09, LenDb lists 20 loan officers licensed in or based in District of Columbia whose lender pages show Self-employed work. The top-ranked are Justin Cotton (JPMorgan Chase Bank (Chase Home Lending), Washington), Christian Kosko (Fairway Independent Mortgage Corporation, Washington) and Robert Hoy (Guild Mortgage, Chantilly). Ranking is lender-neutral: specialty evidence first, then a license in DC, 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 20
- 1
Justin CottonNMLS 1783831
JPMorgan Chase Bank (Chase Home Lending) · Washington, DC · licensed in 3 states
- Self-employed
- FHA loan
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- Branch in District of Columbia
- 9 years experience (stated on lender page, 2026-10-09)
- 2
Christian KoskoNMLS 1415795
Fairway Independent Mortgage Corporation · Washington, DC · licensed in 3 states
- Self-employed
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- Branch in District of Columbia
- 7 years licensed
- 3
Robert HoyNMLS 476444
Guild Mortgage · Chantilly, VA · licensed in 4 states
- Self-employed
- VA loan
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 12 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
Michael HaggertyNMLS 525740
Embrace Home Loans · Rockville, MD · licensed in 4 states
- Self-employed
- First-time buyer
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
John LaMorteNMLS 183959
CrossCountry Mortgage · Fairfax, VA · licensed in 7 states
- Self-employed
- Real estate investor
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 6
Craig Miller JrNMLS 686948
Guild Mortgage · Alexandria, VA · licensed in 8 states
- Self-employed
- First-time buyer
- Jumbo loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 7
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 DC (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 8
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 9
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- Self-employed
- DSCR loan
- FHA loan
- HELOC
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 10
Cheree WarrickNMLS 2493922
Envoy Mortgage · Reston, VA · licensed in 8 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 11
Marty WallaceNMLS 1390066
First Home Mortgage · Annapolis, MD · licensed in 5 states
- Self-employed
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
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 DC (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
- 13
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Self-employed
- DSCR loan
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 14
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- Self-employed
- Bank statement loan
- DSCR loan
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 15
Cody TealNMLS 65382
First Citizens Bank · Wilmington, NC · licensed in 33 states
- Self-employed
- Construction loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Leon WalkerNMLS 195551
Barrett Financial Group · Chandler, AZ · licensed in 2 states
- Self-employed
- 2 to 4 unit property
- Bank statement loan
- Condo
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
Manen PanNMLS 1006352
First Citizens Bank · Pasadena, CA · licensed in 32 states
- Self-employed
- Real estate investor
- Construction loan
- Down payment assistance
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
Teyona StewartNMLS 2215853
First Citizens Bank · La Jolla, CA · licensed in 35 states
- Self-employed
- First-time buyer
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in DC (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Ling DublinNMLS 955744
JPMorgan Chase Bank (Chase Home Lending) · Washington, DC
- Self-employed
- Down payment assistance
- FHA loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in District of Columbia; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 20
Deb GriffinNMLS 481255
JPMorgan Chase Bank (Chase Home Lending) · Washington, DC
- Self-employed
- Down payment assistance
- Co-op
- Condo
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in District of Columbia; no license list on file yet, verify at NMLS Consumer Access
- 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 DC 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=DC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.