--- canonical_url: https://lendb.ai/s/self-employed/district-of-columbia last_verified: 2026-10-10 --- # Loan officers for self-employed borrowers in District of Columbia As of 2026-10-10, LenDb lists 19 loan officers licensed in or based in District of Columbia whose lender pages show Self-employed work. The top-ranked are John LaMorte (CrossCountry Mortgage, Fairfax), Ken Byrne (ALCOVA Mortgage, Chantilly) and Trey Jones (First Home Mortgage, Bethesda). Ranking is lender-neutral: specialty evidence first, then a license in DC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[John LaMorte](https://lendb.ai/lo/john-lamorte-183959)** (NMLS 183959), CrossCountry Mortgage, Fairfax, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 2. **[Ken Byrne](https://lendb.ai/lo/kenneth-byrne-187129)** (NMLS 187129), ALCOVA Mortgage, Chantilly, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 34 years of experience (lender page, 2026-10-09) 3. **[Trey Jones](https://lendb.ai/lo/trey-jones-338172)** (NMLS 338172), First Home Mortgage, Bethesda, MD - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 4. **[Bobby Luu](https://lendb.ai/lo/hong-luu-185192)** (NMLS 185192), American Pacific Mortgage, Reston, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 5. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) 6. **[Liz McElroy- Filan](https://lendb.ai/lo/elizabeth-mcelroy-659461)** (NMLS 659461), CrossCountry Mortgage, Fairfax, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 7. **[Christian Kosko](https://lendb.ai/lo/christian-kosko-1415795)** (NMLS 1415795), Fairway Independent Mortgage Corporation, Washington, DC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Washington, DC - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 8. **[Robert Hoy](https://lendb.ai/lo/robert-hoy-476444)** (NMLS 476444), Guild Mortgage, Chantilly, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 12 years of experience (lender page, 2026-10-09) 9. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 10. **[Vince Stasolla](https://lendb.ai/lo/vincente-stasolla-148704)** (NMLS 148704), CrossCountry Mortgage, Pittsburgh, PA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 11. **[Erik Browning](https://lendb.ai/lo/erik-browning-2264602)** (NMLS 2264602), CrossCountry Mortgage, Scottsdale, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) 12. **[Cheree Warrick](https://lendb.ai/lo/cheree-warrick-2493922)** (NMLS 2493922), Envoy Mortgage, Reston, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 13. **[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) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 14. **[Reily Kiser](https://lendb.ai/lo/michael-kiser-1599098)** (NMLS 1599098), Lower, Columbus, OH - Lists Self-employed on lender page (lender page, verified 2026-10-10) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 15. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Justin Cotton](https://lendb.ai/lo/justin-cotton-1783831)** (NMLS 1783831), JPMorgan Chase Bank (Chase Home Lending), Washington, DC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Washington, DC - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Ling Dublin](https://lendb.ai/lo/ling-dublin-955744)** (NMLS 955744), JPMorgan Chase Bank (Chase Home Lending), Washington, DC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Washington, DC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Deb Griffin](https://lendb.ai/lo/deb-griffin-481255)** (NMLS 481255), JPMorgan Chase Bank (Chase Home Lending), Washington, DC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Washington, DC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 19. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - DC listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/district-of-columbia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._