Borrower situations · Idaho
Loan officers for self-employed borrowers in Idaho
As of 2026-10-09, LenDb lists 17 loan officers licensed in or based in Idaho whose lender pages show Self-employed work. The top-ranked are Raena Pinchuk (CrossCountry Mortgage, Coeur d'Alene), Andrew Watson (CrossCountry Mortgage, Coeur d'Alene) and Joe Soto (CrossCountry Mortgage, Cypress). Ranking is lender-neutral: specialty evidence first, then a license in ID, 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 17
- 1
Raena PinchukNMLS 1488388
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 4 states
- Self-employed
- First-time buyer
- New construction
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 17 years experience (stated on lender page, 2026-10-09)
- 2
Andrew WatsonNMLS 2260761
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states
- Self-employed
- Real estate investor
- Non-QM loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 16 years experience (stated on lender page, 2026-10-09)
- 3
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 ID (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- 4
Lisa KellyNMLS 716658
CrossCountry Mortgage · Hayden, ID · licensed in 2 states
- Self-employed
- Construction loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 5
Jacob PugmireNMLS 2826843
CrossCountry Mortgage · Meridian, ID · licensed in 2 states
- 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 ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 6
Noel SmithNMLS 156016
Fairway Independent Mortgage Corporation · Boise, ID · licensed in 3 states
- Self-employed
- Non-QM loan
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 7
Josiah Paul ShelmanNMLS 1824996
Guild Mortgage · Tumwater, WA · licensed in 4 states
- Self-employed
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 6 years experience (stated on lender page, 2026-10-09)
- 8
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Self-employed
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 12 years experience (stated on lender page, 2026-10-09)
- 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 ID (listed on lender page, verified 2026-10-09)
- 1 years licensed
- 10
Sheilla LavadiaNMLS 1399453
Loan Factory · Mortgage broker · licensed in 10 states
- Self-employed
- 1099 income
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 11
Beth ImhoffNMLS 1378711
Guild Mortgage · Portland, OR · licensed in 6 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 12
Jake YatesNMLS 895566
Barrett Financial Group · Mortgage broker · Gilbert, AZ · licensed in 2 states
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 13
Bill HunterNMLS 1652774
Evergreen Home Loans · Sandpoint, ID · licensed in 6 states
- Self-employed
- Down payment assistance
- Low credit score
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 14
Ray WallaceNMLS 363664
Guild Mortgage · Pullman, WA · licensed in 3 states
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 15
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Self-employed
- Condo
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 16
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Self-employed
- Bank statement loan
- Down payment assistance
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 17
Nicole L NorrisNMLS 2053273
JPMorgan Chase Bank (Chase Home Lending) · Ammon, ID
- Self-employed
- Down payment assistance
- VA loan
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Idaho; no license list on file yet, verify at NMLS Consumer Access
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 ID or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=self-employed&state=ID. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.