Borrower situations · Texas
Loan officers for self-employed borrowers in Texas
As of 2026-10-09, LenDb lists 146 loan officers licensed in or based in Texas whose lender pages show Self-employed work. The top-ranked are Russ Laing (Network Funding, Austin), Joe Soto (CrossCountry Mortgage, Cypress) and Charity Maupin (CrossCountry Mortgage, Henderson). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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
Russ LaingNMLS 394619
Network Funding · Austin, TX · licensed in 7 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 24 years experience (stated on lender page, 2026-10-09)
- 2
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Self-employed
- 1099 income
- Bank statement loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Charity MaupinNMLS 358059
CrossCountry Mortgage · Henderson, NV · licensed in 4 states
- Self-employed
- Real estate investor
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 4
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Self-employed
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 6 years licensed
- 5
Dan LongmanNMLS 369430
NFM Lending · Plantation, FL · licensed in 7 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 6
Heath BarnesNMLS 210164
Guild Mortgage · Houston, TX · licensed in 10 states
- Self-employed
- First-time buyer
- Jumbo loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 4 years licensed
- 7
Cathy SabaterNMLS 373470
Empire Home Loans · San Diego, CA · licensed in 5 states
- Self-employed
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 8
Kelly OllendorffNMLS 217393
Homeowners Financial Group · Austin, TX · licensed in 2 states
- Self-employed
- Down payment assistance
- First-time buyer
- ITIN borrower
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 2 years licensed
- 9
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 TX (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 10
James HairNMLS 1680348
CrossCountry Mortgage · Houston, TX · licensed in 11 states
- Self-employed
- DSCR loan
- Low credit score
- Renovation loan (203k / HomeStyle)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 1 years licensed
- 11
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Self-employed
- Condo
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 12
Andy TuttleNMLS 184325
CrossCountry Mortgage · Dallas, TX · licensed in 5 states
- Self-employed
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 0 years licensed
- 13
Antonio GutierrezNMLS 722537
Loan Factory · North DFW, TX
- Self-employed
- Asset-based qualifying
- Bank statement loan
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 20 years experience (stated on lender page, 2026-10-09)
- 14
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Self-employed
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 12 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
De'Gerrian EvansNMLS 2642652
Loan Factory · licensed in 2 states
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 15 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
Tony DinhNMLS 281092
Loan Factory · Houston, TX · licensed in 2 states
- Self-employed
- DSCR loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- No disciplinary actions on file at LenDb
- 17
Joseph CampagnaNMLS 602884
CrossCountry Mortgage · Staten Island, NY · licensed in 7 states
- Self-employed
- Down payment assistance
- First-time buyer
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 18
Larry VindmanNMLS 103147
CrossCountry Mortgage · Union, NJ · licensed in 7 states
- Self-employed
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 19
Craig Miller JrNMLS 686948
Guild Mortgage · Alexandria, VA · licensed in 8 states
- Self-employed
- First-time buyer
- Jumbo loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 20
Erika SlaytonNMLS 76823
CrossCountry Mortgage · San Antonio, TX
- Self-employed
- VA loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Texas; no license list on file yet, verify at NMLS Consumer Access
- 31 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Sibyl FernandezNMLS 2138348
Guild Mortgage · Henderson, NV · licensed in 5 states
- Self-employed
- Real estate investor
- First-time buyer
- Low credit score
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 22
Aristides SotoNMLS 2178368
Barrett Financial Group · Gilbert, AZ · licensed in 4 states
- Self-employed
- 1099 income
- Bank statement loan
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 23
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 TX (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 24
Bobby MarkhamNMLS 295792
JPMorgan Chase Bank (Chase Home Lending) · Bedford, TX
- Self-employed
- FHA loan
- Jumbo loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Texas; no license list on file yet, verify at NMLS Consumer Access
- 19 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
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 TX (listed on lender page, verified 2026-10-09)
- 4 years licensed
- 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 TX 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=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.