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Borrower situations · California

Loan officers for foreign nationals in California

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in California whose lender pages show Foreign national work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Vivian Pang (Loan Factory) and Nicole Kwan (CrossCountry Mortgage, Lexington). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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 8

  1. 1

    Eric RosemaryNMLS 301253

    CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states

    • Foreign national
    • Asset-based qualifying
    • Bank statement loan
    • DSCR loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Foreign national on lender page (lender page, verified 2026-10-09)
    • Licensed since 2012 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Vivian PangNMLS 2012258

    Loan Factory · Mortgage broker · licensed in 2 states

    • Foreign national
    • 1099 income
    • First-time buyer
    • ITIN borrower
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Foreign national on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Nicole KwanNMLS 477256

    CrossCountry Mortgage · Lexington, MA · licensed in 5 states

    • Foreign national
    • Condo
    • New construction
    • Physician and medical professional
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Foreign national on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)
  4. 4

    Steve CrossmanNMLS 995551

    CrossCountry Mortgage · McKinney, TX · licensed in 6 states

    • Foreign national
    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Foreign national on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  5. 5

    Janeth PannenNMLS 1502086

    Intercap Lending · licensed in 5 states

    • Foreign national
    • First-time buyer
    • ITIN borrower
    • Self-employed
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Foreign national on lender page (lender page, verified 2026-10-09)
  6. 6

    Philip DoosNMLS 2379827

    Loan Factory · Mortgage broker · California

    • Foreign national
    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Foreign national on lender page (lender page, verified 2026-10-09)
    • Office in California
  7. 7

    John TuNMLS 2721406

    Loan Factory · Mortgage broker · California

    • Foreign national
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Foreign national on lender page (lender page, verified 2026-10-09)
    • Office in California
  8. 8

    Scott Daniel StorrsNMLS 1284056

    C2 Financial Corporation · Mortgage broker

    • Foreign national
    • DSCR loan
    • Real estate investor
    • 2 to 4 unit property
    • CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Foreign national on lender page (lender page, verified 2026-10-09)

Before you choose

Only a few lenders accept foreign income, foreign credit references and international documentation.

  • What documents do you accept to verify foreign income and credit?
  • What down payment and reserves do foreign national loans need?
  • Can funds come from an overseas account?

More about Foreign national

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a CA license is confirmed with the state regulator (check mark), CA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=foreign-national&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.