--- canonical_url: https://lendb.ai/s/self-employed/idaho last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[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) - Office in Coeur d'Alene, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 2. **[Andrew Watson](https://lendb.ai/lo/andrew-watson-2260761)** (NMLS 2260761), CrossCountry Mortgage, Coeur d'Alene, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Coeur d'Alene, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 3. **[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) - ID 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. **[Sheilla Lavadia](https://lendb.ai/lo/sheilla-lavadia-1399453)** (NMLS 1399453), Loan Factory - Lists Self-employed on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 5. **[Laurent Oshea](https://lendb.ai/lo/laurent-o-shea-1034023)** (NMLS 1034023), Loan Factory - Lists Self-employed on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 7. **[Lisa Kelly](https://lendb.ai/lo/lisa-kelly-716658)** (NMLS 716658), CrossCountry Mortgage, Hayden, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Hayden, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Josiah Paul Shelman](https://lendb.ai/lo/josiah-shelman-1824996)** (NMLS 1824996), Guild Mortgage, Tumwater, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 9. **[Jacob Pugmire](https://lendb.ai/lo/jacob-pugmire-2826843)** (NMLS 2826843), CrossCountry Mortgage, Meridian, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Meridian, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Noel Smith](https://lendb.ai/lo/noel-smith-156016)** (NMLS 156016), Fairway Independent Mortgage Corporation, Boise, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Boise, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 12. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 13. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 14. **[Beth Imhoff](https://lendb.ai/lo/beth-imhoff-1378711)** (NMLS 1378711), Guild Mortgage, Portland, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Ray Wallace](https://lendb.ai/lo/ray-wallace-363664)** (NMLS 363664), Guild Mortgage, Pullman, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Bill Hunter](https://lendb.ai/lo/bill-hunter-1652774)** (NMLS 1652774), Evergreen Home Loans, Sandpoint, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Sandpoint, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Nicole L Norris](https://lendb.ai/lo/nicole-l-norris-2053273)** (NMLS 2053273), JPMorgan Chase Bank (Chase Home Lending), Ammon, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Ammon, ID - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; 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/idaho. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._