Borrower situations · Virginia
Loan officers for self-employed borrowers in Virginia
As of 2026-10-09, LenDb lists 57 loan officers licensed in or based in Virginia whose lender pages show Self-employed work. The top-ranked are Joel Bisaillon (JPMorgan Chase Bank (Chase Home Lending), Fairfax), Robert Hoy (Guild Mortgage, Chantilly) and Rob McElroy (CrossCountry Mortgage, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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
Joel BisaillonNMLS 565921
JPMorgan Chase Bank (Chase Home Lending) · Fairfax, VA
- Self-employed
- Co-op
- Condo
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 22 years experience (stated on lender page, 2026-10-09)
- 2
Robert HoyNMLS 476444
Guild Mortgage · Chantilly, VA · licensed in 4 states
- Self-employed
- VA loan
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 12 years experience (stated on lender page, 2026-10-09)
- 3
Rob McElroyNMLS 20408
CrossCountry Mortgage · Fairfax, VA
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 30 years experience (stated on lender page, 2026-10-09)
- 4
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (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
- 5
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 VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 6 years licensed
- 6
Chris ParksNMLS 1021326
Churchill Mortgage · Glen Allen, VA · licensed in 6 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 5 years licensed
- 7
Trisha CooperNMLS 1965251
ALCOVA Mortgage · Chantilly, VA · licensed in 3 states
- Self-employed
- First-time buyer
- Real estate investor
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 5 years licensed
- 8
Michael RepshasNMLS 1025235
Guild Mortgage · McLean, VA · licensed in 6 states
- Self-employed
- Jumbo loan
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 7 years licensed
- 9
Bobby LuuNMLS 185192
American Pacific Mortgage · Reston, VA · licensed in 8 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 3 years licensed
- 10
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 VA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 11
Ling DublinNMLS 955744
JPMorgan Chase Bank (Chase Home Lending) · Washington, DC · licensed in 3 states
- Self-employed
- FHA loan
- VA loan
- Down payment assistance
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 14 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Mei Mee YuenNMLS 808120
Loan Factory · licensed in 2 states
- Self-employed
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 13
Corey HustedNMLS 1248167
Intercap Lending · San Diego, CA · licensed in 3 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 14
Cheree WarrickNMLS 2493922
Envoy Mortgage · Reston, VA · licensed in 8 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- 1 years licensed
- 15
Brandon LewisNMLS 497422
ALCOVA Mortgage · Richmond, VA · licensed in 2 states
- Self-employed
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- Branch in Virginia
- No disciplinary actions on file at LenDb
- 16
Michael HaggertyNMLS 525740
Embrace Home Loans · Rockville, MD · licensed in 4 states
- Self-employed
- First-time buyer
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 30 years experience (stated on lender page, 2026-10-09)
- 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 VA (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 18
Ken PowellNMLS 2656628
Fairway Independent Mortgage Corporation · Hughesville, MD · licensed in 2 states
- Self-employed
- Down payment assistance
- VA loan
- Foreign national
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 10 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Justin CottonNMLS 1783831
JPMorgan Chase Bank (Chase Home Lending) · Washington, DC · licensed in 3 states
- Self-employed
- FHA loan
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 9 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Christian KoskoNMLS 1415795
Fairway Independent Mortgage Corporation · Washington, DC · licensed in 3 states
- Self-employed
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 21
George KarousosNMLS 101096
JPMorgan Chase Bank (Chase Home Lending) · Henrico, VA
- Self-employed
- FHA loan
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
- 30 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
Jason RichardsonNMLS 1088805
First Community Mortgage · Richmond, VA
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
- 28 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Kimberly WalkerNMLS 1426402
JPMorgan Chase Bank (Chase Home Lending) · Williamsburg, VA
- Self-employed
- FHA loan
- First-time buyer
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Virginia; no license list on file yet, verify at NMLS Consumer Access
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 24
Bonnie JacksonNMLS 450491
Atlantic Coast Mortgage · Huntersville, NC · licensed in 8 states
- Self-employed
- First-time buyer
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 25
Gabe LibuttiNMLS 504917
Atlantic Coast Mortgage · Huntersville, NC · licensed in 6 states
- Self-employed
- Construction loan
- Jumbo loan
- New construction
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in VA (listed on lender page, verified 2026-10-09)
- 7 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 VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.