--- canonical_url: https://lendb.ai/s/self-employed/maryland last_verified: 2026-10-09 --- # Loan officers for self-employed borrowers in Maryland As of 2026-10-09, LenDb lists 39 loan officers licensed in or based in Maryland whose lender pages show Self-employed work. The top-ranked are Trey Jones (First Home Mortgage, Bethesda), John LaMorte (CrossCountry Mortgage, Fairfax) and Jay Cox (CrossCountry Mortgage, Pittsburgh). Ranking is lender-neutral: specialty evidence first, then a license in MD, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Bethesda, MD - MD 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) 2. **[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) - MD 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) 3. **[Jay Cox](https://lendb.ai/lo/jeremiah-cox-448416)** (NMLS 448416), CrossCountry Mortgage, Pittsburgh, PA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MD 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) 6. **[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) - MD 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) 7. **[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) - MD 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) 8. **[Ken Powell](https://lendb.ai/lo/ken-powell-2656628)** (NMLS 2656628), Fairway Independent Mortgage Corporation, Hughesville, MD - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Hughesville, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 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) - Office in Frederick, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 10. **[Bonnie Jackson](https://lendb.ai/lo/bonnie-jackson-450491)** (NMLS 450491), Atlantic Coast Mortgage, Huntersville, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 11. **[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) - MD 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) 12. **[Michael Haggerty](https://lendb.ai/lo/michael-haggerty-525740)** (NMLS 525740), Embrace Home Loans, Rockville, MD - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Rockville, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 13. **[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) - MD 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) 14. **[Chris Parks](https://lendb.ai/lo/aaron-parks-1021326)** (NMLS 1021326), Churchill Mortgage, Glen Allen, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 15. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 16. **[Matt Stancato](https://lendb.ai/lo/mathews-stancato-131894)** (NMLS 131894), Guild Mortgage, Exton, PA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 17. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 18. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 19. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 20. **[Ivan Lin](https://lendb.ai/lo/ivan-lin-2462401)** (NMLS 2462401), Loan Factory - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 21. **[Saira Khan](https://lendb.ai/lo/saira-khan-896866)** (NMLS 896866), Truist Bank, Bethesda, MD - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Bethesda, MD - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Scott Seltz](https://lendb.ai/lo/scott-seltz-1943308)** (NMLS 1943308), Loan Factory - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[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) - MD 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) 24. **[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) - MD 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) 25. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) ## 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/maryland. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._