--- canonical_url: https://lendb.ai/s/self-employed/massachusetts last_verified: 2026-10-09 --- # 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 Kate Reagan (Guild Mortgage, Easthampton), Joe Smith (CrossCountry Mortgage, Boston) and Kirk Taylor (CrossCountry Mortgage, Naples). Ranking is lender-neutral: specialty evidence first, then a license in MA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Kate Reagan](https://lendb.ai/lo/kathryn-reagan-19006)** (NMLS 19006), Guild Mortgage, Easthampton, MA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Easthampton, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 2. **[Joe Smith](https://lendb.ai/lo/joseph-smith-481139)** (NMLS 481139), CrossCountry Mortgage, Boston, MA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Boston, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 3. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[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) - MA 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) 5. **[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) - MA 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) 6. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) 7. **[Jevon Robertson](https://lendb.ai/lo/jevon-robertson-763752)** (NMLS 763752), LeaderOne Financial, Oak Brook, IL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA 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) 8. **[Cameron Castronova](https://lendb.ai/lo/cameron-castronova-1605079)** (NMLS 1605079), CrossCountry Mortgage, Melville, NY - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 9 years of experience (lender page, 2026-10-09) 9. **[Justin Mead](https://lendb.ai/lo/justin-mead-1656276)** (NMLS 1656276), CrossCountry Mortgage, South Burlington, VT - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 10. **[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) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 11. **[Debora Valdes](https://lendb.ai/lo/debora-valdes-1793296)** (NMLS 1793296), Total Mortgage Services, Milford, CT - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 12. **[Brendan Perry Frank](https://lendb.ai/lo/brendan-perry-frank-176100)** (NMLS 176100), JPMorgan Chase Bank (Chase Home Lending), Boston, MA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Boston, MA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[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) - MA 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) 14. **[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) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 15. **[Scott Hazard](https://lendb.ai/lo/scott-hazard-30883)** (NMLS 30883), Embrace Home Loans, Jamestown, RI - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 16. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Manen Pan](https://lendb.ai/lo/manen-pan-1006352)** (NMLS 1006352), First Citizens Bank, Pasadena, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Jeremy Graham](https://lendb.ai/lo/jeremy-graham-8851)** (NMLS 8851), JPMorgan Chase Bank (Chase Home Lending), Canton, MA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Canton, MA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2026 (per Florida records) 20. **[Teodor Tijan](https://lendb.ai/lo/teodor-tijan-105185)** (NMLS 105185), JPMorgan Chase Bank (Chase Home Lending), Brookline, MA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Brookline, MA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 21. **[Sandeep RajGuru](https://lendb.ai/lo/sandeep-rajguru-943346)** (NMLS 943346), JPMorgan Chase Bank (Chase Home Lending), Framingham, MA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Framingham, MA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Rafaela Almeida](https://lendb.ai/lo/rafaela-almeida-1276638)** (NMLS 1276638), JPMorgan Chase Bank (Chase Home Lending), Somerville, MA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Somerville, MA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[Andrew Katzenstein](https://lendb.ai/lo/andrew-katzenstein-1770359)** (NMLS 1770359), JPMorgan Chase Bank (Chase Home Lending), Boston, MA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Boston, MA - 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/massachusetts. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._