Borrower situations · North Carolina
Loan officers for self-employed borrowers in North Carolina
As of 2026-10-09, LenDb lists 62 loan officers licensed in or based in North Carolina whose lender pages show Self-employed work. The top-ranked are Donna King (Union Home Mortgage, Asheville), Gabe Libutti (Atlantic Coast Mortgage, Huntersville) and Joe Soto (CrossCountry Mortgage, Cypress). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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
Donna KingNMLS 637803
Union Home Mortgage · Asheville, NC · licensed in 3 states
- Self-employed
- First-time buyer
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Asheville, NC
- Licensed since 2025 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 2
Gabe LibuttiNMLS 504917
Atlantic Coast Mortgage · Huntersville, NC · licensed in 6 states
- Self-employed
- Construction loan
- Jumbo loan
- New construction
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Huntersville, NC
- Licensed since 2019 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 3
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Self-employed
- 1099 income
- Bank statement loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 4
John LaMorteNMLS 183959
CrossCountry Mortgage · Fairfax, VA · licensed in 7 states
- Self-employed
- Real estate investor
- FHA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 5
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- Self-employed
- First-time buyer
- Real estate investor
- VA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 6
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- Self-employed
- First-time buyer
- Jumbo loan
- Real estate investor
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 7
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Bonnie JacksonNMLS 450491
Atlantic Coast Mortgage · Huntersville, NC · licensed in 8 states
- Self-employed
- First-time buyer
- Construction loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Huntersville, NC
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 9
David JoynerNMLS 116874
TowneBank Mortgage · Bank · Kitty Hawk, NC
- Self-employed
- First-time buyer
- Real estate investor
- Vacation home
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Kitty Hawk, NC
- States 20 years of experience (lender page, 2026-10-09)
- 10
Robert HoyNMLS 476444
Guild Mortgage · Chantilly, VA · licensed in 4 states
- Self-employed
- VA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- States 12 years of experience (lender page, 2026-10-09)
- 11
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Self-employed
- Bank statement loan
- DSCR loan
- FHA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 12
Angie TurleyNMLS 363066
Fairway Independent Mortgage Corporation · Mooresville, IN · licensed in 26 states
- Self-employed
- First-time buyer
- VA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- 13
Jeff AdamsNMLS 1851495
CrossCountry Mortgage · Cincinnati, OH · licensed in 25 states
- Self-employed
- First-time buyer
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 14
Vince StasollaNMLS 148704
CrossCountry Mortgage · Pittsburgh, PA · licensed in 23 states
- Self-employed
- Jumbo loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 15
Chris CaldwellNMLS 1996815
CrossCountry Mortgage · Greenville, SC · licensed in 5 states
- Self-employed
- Low credit score
- Real estate investor
- VA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 16
James HairNMLS 1680348
CrossCountry Mortgage · Houston, TX · licensed in 13 states
- Self-employed
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 17
Fina CurtisNMLS 414530
JPMorgan Chase Bank (Chase Home Lending) · Bank · Chapel Hill, NC
- Self-employed
- Jumbo loan
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Chapel Hill, NC
- 18
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- Self-employed
- DSCR loan
- FHA loan
- HELOC
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 19
Cheree WarrickNMLS 2493922
Envoy Mortgage · Reston, VA · licensed in 8 states
- Self-employed
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 20
Brandon LewisNMLS 497422
ALCOVA Mortgage · Richmond, VA · licensed in 2 states
- Self-employed
- Real estate investor
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- 21
Caleb GinguesNMLS 2255908
Atlantic Coast Mortgage · licensed in 3 states
- Self-employed
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 22
Maevelyn WattsNMLS 2497937
CrossCountry Mortgage · Cincinnati, OH · licensed in 16 states
- Self-employed
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- 23
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Self-employed
- Condo
- Down payment assistance
- FHA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 24
Trisha CooperNMLS 1965251
ALCOVA Mortgage · Chantilly, VA · licensed in 3 states
- Self-employed
- First-time buyer
- Real estate investor
- VA loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 8 years of experience (lender page, 2026-10-09)
- 25
Lekh SharmaNMLS 2503420
Guild Mortgage · High Point, NC · licensed in 4 states
- Self-employed
- First-time buyer
- Asset-based qualifying
- Bank statement loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in High Point, NC
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 are listed when a NC license is confirmed with the state regulator (check mark), NC is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=self-employed&state=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.