Borrower situations · Massachusetts
Loan officers for self-employed borrowers in Massachusetts
As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in Massachusetts whose lender pages show Self-employed work. The top-ranked are Joe Smith (CrossCountry Mortgage, Boston), Kate Reagan (Guild Mortgage, Easthampton) and Jevon Robertson (LeaderOne Financial, Oak Brook). Ranking is lender-neutral: specialty evidence first, then a license in MA, 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 22
- 1
Joe SmithNMLS 481139
CrossCountry Mortgage · Boston, MA · licensed in 8 states
- Self-employed
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- Branch in Massachusetts
- 14 years licensed
- 2
Kate ReaganNMLS 19006
Guild Mortgage · Easthampton, MA · licensed in 7 states
- Self-employed
- Down payment assistance
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- Branch in Massachusetts
- 7 years licensed
- 3
Jevon RobertsonNMLS 763752
LeaderOne Financial · Oak Brook, IL · licensed in 7 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 MA (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
- 4
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Self-employed
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 5
Cameron CastronovaNMLS 1605079
CrossCountry Mortgage · Melville, NY · licensed in 6 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 MA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 6
Brendan Perry FrankNMLS 176100
JPMorgan Chase Bank (Chase Home Lending) · Boston, MA
- Self-employed
- Co-op
- Condo
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Massachusetts; no license list on file yet, verify at NMLS Consumer Access
- 22 years experience (stated on lender page, 2026-10-09)
- 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 MA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 8
Debora ValdesNMLS 1793296
Total Mortgage Services · Milford, CT · licensed in 6 states
- Self-employed
- First-time buyer
- ITIN borrower
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 9
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 MA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 10
Jeffrey Ben-DavisNMLS 1249070
Loan Factory · licensed in 13 states
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 11
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 MA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 12
Scott HazardNMLS 30883
Embrace Home Loans · Jamestown, RI · licensed in 8 states
- Self-employed
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 13
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 MA (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
- 14
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 MA (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 15
Mark FogliaNMLS 1995108
Guild Mortgage · Manchester, NH · licensed in 4 states
- Self-employed
- Bank statement loan
- Construction loan
- Down payment assistance
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 16
Cody TealNMLS 65382
First Citizens Bank · Wilmington, NC · licensed in 33 states
- Self-employed
- Construction loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
Manen PanNMLS 1006352
First Citizens Bank · Pasadena, CA · licensed in 32 states
- Self-employed
- Real estate investor
- Construction loan
- Down payment assistance
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
Teyona StewartNMLS 2215853
First Citizens Bank · La Jolla, CA · licensed in 35 states
- Self-employed
- First-time buyer
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Rafaela AlmeidaNMLS 1276638
JPMorgan Chase Bank (Chase Home Lending) · Somerville, MA
- Self-employed
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Massachusetts; no license list on file yet, verify at NMLS Consumer Access
- 11 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Andrew KatzensteinNMLS 1770359
JPMorgan Chase Bank (Chase Home Lending) · Boston, MA
- Self-employed
- Co-op
- Condo
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Massachusetts; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 21
Teodor TijanNMLS 105185
JPMorgan Chase Bank (Chase Home Lending) · Brookline, MA
- Self-employed
- Co-op
- Condo
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Massachusetts; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 22
Sandeep RajGuruNMLS 943346
JPMorgan Chase Bank (Chase Home Lending) · Framingham, MA
- Self-employed
- Co-op
- Condo
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Massachusetts; no license list on file yet, verify at NMLS Consumer Access
- 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 MA 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=MA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.