---
canonical_url: https://lendb.ai/s/self-employed/vermont
last_verified: 2026-10-09
---

# Loan officers for self-employed borrowers in Vermont

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Vermont whose lender pages show Self-employed work. The top-ranked are Kate Reagan (Guild Mortgage, Easthampton), Joe Smith (CrossCountry Mortgage, Boston) and Justin Mead (CrossCountry Mortgage, South Burlington). Ranking is lender-neutral: specialty evidence first, then a license in VT, 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)
   - VT 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)
   - VT 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. **[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)
   - Office in South Burlington, VT
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)

## 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/vermont.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._