--- canonical_url: https://lendb.ai/s/self-employed/florida last_verified: 2026-10-09 --- # Loan officers for self-employed borrowers in Florida As of 2026-10-09, LenDb lists 80 loan officers licensed in or based in Florida whose lender pages show Self-employed work. The top-ranked are Kirk Taylor (CrossCountry Mortgage, Naples), Luis De La Cruz Munoz (CrossCountry Mortgage, Delray Beach) and Wayne Demaline (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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 FL (state license, verified 2026-10-09) - Branch in Florida - 12 years licensed - No disciplinary actions on file at LenDb 2. **[Luis De La Cruz Munoz](https://lendb.ai/lo/luis-de-la-cruz-munoz-1575578)** (NMLS 1575578), CrossCountry Mortgage, Delray Beach, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 9 years licensed - No disciplinary actions on file at LenDb 3. **[Wayne Demaline](https://lendb.ai/lo/wayne-demaline-323192)** (NMLS 323192), CrossCountry Mortgage, Delray Beach, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 8 years licensed - No disciplinary actions on file at LenDb 4. **[Dan Longman](https://lendb.ai/lo/daniel-longman-369430)** (NMLS 369430), NFM Lending, Plantation, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 15 years licensed - No disciplinary actions on file at LenDb 5. **[Robin Stacey](https://lendb.ai/lo/robin-stacey-369494)** (NMLS 369494), Success Mortgage Partners, Orlando, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 15 years licensed - No disciplinary actions on file at LenDb 6. **[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 FL (state license, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 7. **[Joni Utnage](https://lendb.ai/lo/joni-utnage-689931)** (NMLS 689931), CrossCountry Mortgage, Naples, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 5 years licensed - No disciplinary actions on file at LenDb 8. **[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 FL (state license, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 9. **[Moises Alvarez](https://lendb.ai/lo/moises-alvarez-267908)** (NMLS 267908), Embrace Home Loans, Tampa, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 10 years licensed - No disciplinary actions on file at LenDb 10. **[Elalie Regis](https://lendb.ai/lo/elalie-regis-1604375)** (NMLS 1604375), Fairway Independent Mortgage Corporation, Boca Raton, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 6 years licensed - No disciplinary actions on file at LenDb 11. **[David Simmons](https://lendb.ai/lo/david-simmons-546581)** (NMLS 546581), CrossCountry Mortgage, Fort Walton Beach, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 0 years licensed - No disciplinary actions on file at LenDb 12. **[Ryan Ashford](https://lendb.ai/lo/ryan-ashford-1833458)** (NMLS 1833458), CrossCountry Mortgage, Winter Park, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 0 years licensed - No disciplinary actions on file at LenDb 13. **[Russ Laing](https://lendb.ai/lo/sonya-valia-394619)** (NMLS 394619), Network Funding, Austin, TX - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (listed on lender page, verified 2026-10-09) - 24 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 14. **[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) - Licensed in FL (state license, verified 2026-10-09) - 12 years licensed - No disciplinary actions on file at LenDb 15. **[Jevon Robertson](https://lendb.ai/lo/jevon-robertson-763752)** (NMLS 763752), LeaderOne Financial, Oak Brook, IL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (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 16. **[Angie Turley](https://lendb.ai/lo/angela-turley-363066)** (NMLS 363066), Fairway Independent Mortgage Corporation, Mooresville, IN - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - 7 years licensed - No disciplinary actions on file at LenDb 17. **[Nick Redhead](https://lendb.ai/lo/nicholas-redhead-594824)** (NMLS 594824), Embrace Home Loans, Tampa, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 5 years licensed - No disciplinary actions on file at LenDb 18. **[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 FL (state license, verified 2026-10-09) - 11 years licensed - No disciplinary actions on file at LenDb 19. **[Cameron Castronova](https://lendb.ai/lo/cameron-castronova-1605079)** (NMLS 1605079), CrossCountry Mortgage, Melville, NY - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - 7 years licensed - No disciplinary actions on file at LenDb 20. **[Katherine Rivas](https://lendb.ai/lo/katherine-rivas-1005484)** (NMLS 1005484), Embrace Home Loans, Viera, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 8 years licensed - No disciplinary actions on file at LenDb 21. **[Alexandra King](https://lendb.ai/lo/alexandra-king-2078060)** (NMLS 2078060), Newrez, Fort Myers, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 5 years licensed - No disciplinary actions on file at LenDb 22. **[Larry Vindman](https://lendb.ai/lo/larry-vindman-103147)** (NMLS 103147), CrossCountry Mortgage, Union, NJ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in FL (state license, verified 2026-10-09) - 6 years licensed - No disciplinary actions on file at LenDb 23. **[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) - Licensed in FL (state license, verified 2026-10-09) - 6 years licensed - No disciplinary actions on file at LenDb 24. **[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 FL (state license, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 25. **[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 FL (state license, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb ## 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/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._