--- canonical_url: https://lendb.ai/s/self-employed/texas last_verified: 2026-10-09 --- # Loan officers for self-employed borrowers in Texas As of 2026-10-09, LenDb lists 149 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. ## Ranked, with reasons 1. **[Russ Laing](https://lendb.ai/lo/sonya-valia-394619)** (NMLS 394619), Network Funding, Austin, TX - 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) - No disciplinary actions on file at LenDb 2. **[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) - 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 Maupin](https://lendb.ai/lo/charity-maupin-358059)** (NMLS 358059), CrossCountry Mortgage, Henderson, NV - 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. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 15 years licensed - No disciplinary actions on file at LenDb 5. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 12 years licensed - No disciplinary actions on file at LenDb 6. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - Branch in Texas - 1 years licensed - No disciplinary actions on file at LenDb 7. **[Andy Tuttle](https://lendb.ai/lo/jonathan-tuttle-184325)** (NMLS 184325), CrossCountry Mortgage, Dallas, TX - 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 - No disciplinary actions on file at LenDb 8. **[Dan Longman](https://lendb.ai/lo/daniel-longman-369430)** (NMLS 369430), NFM Lending, Plantation, FL - 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 9. **[Larry Vindman](https://lendb.ai/lo/larry-vindman-103147)** (NMLS 103147), CrossCountry Mortgage, Union, NJ - 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 10. **[Heath Barnes](https://lendb.ai/lo/heath-barnes-210164)** (NMLS 210164), Guild Mortgage, Houston, TX - 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 - No disciplinary actions on file at LenDb 11. **[Cathy Sabater](https://lendb.ai/lo/catherine-sabater-373470)** (NMLS 373470), Empire Home Loans, San Diego, CA - 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 12. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb 13. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - 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 14. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 5 years licensed - No disciplinary actions on file at LenDb 15. **[Kelly Ollendorff](https://lendb.ai/lo/kelly-ollendorff-217393)** (NMLS 217393), Homeowners Financial Group, Austin, TX - 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 - No disciplinary actions on file at LenDb 16. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 4 years licensed - No disciplinary actions on file at LenDb 17. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - 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 18. **[Antonio Gutierrez](https://lendb.ai/lo/antonio-gutierrez-722537)** (NMLS 722537), Loan Factory, North DFW, TX - 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) - No disciplinary actions on file at LenDb 19. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - 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 20. **[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) - Licensed in TX (listed on lender page, verified 2026-10-09) - 1 years licensed - No disciplinary actions on file at LenDb 21. **[De'Gerrian Evans](https://lendb.ai/lo/de-gerrian-evans-2642652)** (NMLS 2642652), Loan Factory - 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 22. **[Tony Dinh](https://lendb.ai/lo/tony-dinh-281092)** (NMLS 281092), Loan Factory, Houston, TX - 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 23. **[Edgar Santiago](https://lendb.ai/lo/edgar-santiago-287395)** (NMLS 287395), CrossCountry Mortgage, Elgin, IL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 24. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - 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 - No disciplinary actions on file at LenDb 25. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Licensed in TX (listed on lender page, verified 2026-10-09) - 0 years licensed - No disciplinary actions on file at LenDb ## 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/texas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._