--- canonical_url: https://lendb.ai/s/self-employed/north-carolina last_verified: 2026-10-10 --- # Loan officers for self-employed borrowers in North Carolina As of 2026-10-10, LenDb lists 63 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. ## Ranked, with reasons 1. **[Donna King](https://lendb.ai/lo/donna-king-637803)** (NMLS 637803), Union Home Mortgage, Asheville, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Asheville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 2. **[Gabe Libutti](https://lendb.ai/lo/gabriel-libutti-504917)** (NMLS 504917), Atlantic Coast Mortgage, Huntersville, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Huntersville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 3. **[Joe Soto](https://lendb.ai/lo/joe-soto-175142)** (NMLS 175142), CrossCountry Mortgage, Cypress, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC 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) 4. **[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) - NC 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) 5. **[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) - NC 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) 6. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 7. **[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) - NC 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) 8. **[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) - Office in Huntersville, NC - NC 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) 9. **[David Joyner](https://lendb.ai/lo/david-joyner-116874)** (NMLS 116874), TowneBank Mortgage, Kitty Hawk, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Kitty Hawk, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 10. **[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) - NC 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) 11. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 12. **[Angie Turley](https://lendb.ai/lo/angela-turley-363066)** (NMLS 363066), Fairway Independent Mortgage Corporation, Mooresville, IN - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 13. **[Jeff Adams](https://lendb.ai/lo/jeffrey-adams-1851495)** (NMLS 1851495), CrossCountry Mortgage, Cincinnati, OH - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 14. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 15. **[Chris Caldwell](https://lendb.ai/lo/christopher-caldwell-1996815)** (NMLS 1996815), CrossCountry Mortgage, Greenville, SC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 16. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) 17. **[James Hair](https://lendb.ai/lo/james-hair-1680348)** (NMLS 1680348), CrossCountry Mortgage, Houston, TX - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 18. **[Fina Curtis](https://lendb.ai/lo/fina-curtis-414530)** (NMLS 414530), JPMorgan Chase Bank (Chase Home Lending), Chapel Hill, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Chapel Hill, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 19. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 20. **[Brandon Lewis](https://lendb.ai/lo/brandon-lewis-497422)** (NMLS 497422), ALCOVA Mortgage, Richmond, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Caleb Gingues](https://lendb.ai/lo/caleb-gingues-2255908)** (NMLS 2255908), Atlantic Coast Mortgage - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 22. **[Maevelyn Watts](https://lendb.ai/lo/maevelyn-watts-2497937)** (NMLS 2497937), CrossCountry Mortgage, Cincinnati, OH - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Reily Kiser](https://lendb.ai/lo/michael-kiser-1599098)** (NMLS 1599098), Lower, Columbus, OH - Lists Self-employed on lender page (lender page, verified 2026-10-10) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 24. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 25. **[Trisha Cooper](https://lendb.ai/lo/patricia-cooper-1965251)** (NMLS 1965251), ALCOVA Mortgage, Chantilly, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 8 years of experience (lender page, 2026-10-09) ## 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/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._