Borrower situations · Maryland
Loan officers for self-employed borrowers in Maryland
As of 2026-10-09, LenDb lists 42 loan officers licensed in or based in Maryland whose lender pages show Self-employed work. The top-ranked are Ken Powell (Fairway Independent Mortgage Corporation, Hughesville), James Igbinovia (CrossCountry Mortgage, Scottsdale) and Michael Haggerty (Embrace Home Loans, Rockville). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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 25
- 1
Ken PowellNMLS 2656628
Fairway Independent Mortgage Corporation · Hughesville, MD · licensed in 2 states
- Self-employed
- Down payment assistance
- VA loan
- Foreign national
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 10 years experience (stated on lender page, 2026-10-09)
- 2
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 30 years experience (stated on lender page, 2026-10-09)
- 4
Liz McElroy- FilanNMLS 659461
CrossCountry Mortgage · Fairfax, VA · licensed in 4 states
- Self-employed
- Down payment assistance
- Non-QM loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 5
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 MD (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 6
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 MD (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 7
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 8
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 MD (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 9
Jay CoxNMLS 448416
CrossCountry Mortgage · Pittsburgh, PA · licensed in 8 states
- Self-employed
- Jumbo loan
- New construction
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 10
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- No disciplinary actions on file at LenDb
- 11
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 MD (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
- 12
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 MD (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 13
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 MD (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 14
Chris ParksNMLS 1021326
Churchill Mortgage · Glen Allen, VA · licensed in 6 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 15
Bonnie JacksonNMLS 450491
Atlantic Coast Mortgage · Huntersville, NC · licensed in 8 states
- Self-employed
- First-time buyer
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 16
Amanda BroomallNMLS 900029
Guild Mortgage · Middletown, DE · licensed in 3 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 MD (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 17
Michael RepshasNMLS 1025235
Guild Mortgage · McLean, VA · licensed in 6 states
- Self-employed
- Jumbo loan
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 18
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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 8 years licensed
- 19
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 MD (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 20
Matt StancatoNMLS 131894
Guild Mortgage · Exton, PA · licensed in 5 states
- Self-employed
- First-time buyer
- Reverse mortgage
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 21
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 MD (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 22
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 MD (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
- 23
Ivan LinNMLS 2462401
Loan Factory · Mortgage broker · licensed in 10 states
- Self-employed
- First-time buyer
- Real estate investor
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 24
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Self-employed
- 1099 income
- Asset-based qualifying
- Bank statement loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 25
Scott SeltzNMLS 1943308
Loan Factory · Mortgage broker · licensed in 3 states
- Self-employed
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 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 MD 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.