--- canonical_url: https://lendb.ai/s/foreign-national/florida last_verified: 2026-10-09 --- # Loan officers for foreign nationals in Florida As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in Florida whose lender pages show Foreign national work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Kim Ullrich (Guild Mortgage, Vero Beach) and Jeffrey M Brown (Guild Mortgage, Boca Raton). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Boca Raton, FL - Licensed in FL: confirmed with the Florida regulator (license LO12982), verified 2026-10-09 - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Kim Ullrich](https://lendb.ai/lo/kim-ullrich-306250)** (NMLS 306250), Guild Mortgage, Vero Beach, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Vero Beach, FL - Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09 - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 3. **[Jeffrey M Brown](https://lendb.ai/lo/jeffrey-brown-317188)** (NMLS 317188), Guild Mortgage, Boca Raton, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Boca Raton, FL - Licensed in FL: confirmed with the Florida regulator (license LO1840), verified 2026-10-09 - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 4. **[Mark Minadeo](https://lendb.ai/lo/mark-minadeo-330121)** (NMLS 330121), Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Coconut Creek, FL - Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09 - Licensed since 2010 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 5. **[Vivian Pang](https://lendb.ai/lo/vivian-pang-2012258)** (NMLS 2012258), Loan Factory - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO126814), verified 2026-10-09 - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 6. **[James Deal](https://lendb.ai/lo/james-deal-461209)** (NMLS 461209), Homeowners Financial Group, Atlanta, GA - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO85625), verified 2026-10-09 - Licensed since 2021 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 7. **[Johanna Arias](https://lendb.ai/lo/johanna-arias-908021)** (NMLS 908021), CrossCountry Mortgage, Allentown, PA - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO116501), verified 2026-10-09 - Licensed since 2023 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 8. **[Javier Giarelli](https://lendb.ai/lo/javier-giarelli-1952196)** (NMLS 1952196), Loan Factory, Miami, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Miami, FL - Licensed in FL: confirmed with the Florida regulator (license LO85985), verified 2026-10-09 - Licensed since 2021 (per Florida records) 9. **[Eva S. Kokosinska](https://lendb.ai/lo/eva-kokosinska-19571)** (NMLS 19571), Total Mortgage Services, Auburn, MA - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO127635), verified 2026-10-09 - Licensed since 2024 (per Florida records) - States 27 years of experience (lender page, 2026-10-09) 10. **[Sandro Cazella](https://lendb.ai/lo/sandro-cazella-dos-santos-2722248)** (NMLS 2722248), CrossCountry Mortgage, Deerfield Beach, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Deerfield Beach, FL - Licensed in FL: confirmed with the Florida regulator (license LO143394), verified 2026-10-09 - Licensed since 2025 (per Florida records) 11. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO72170), verified 2026-10-09 - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[Andrew Durden](https://lendb.ai/lo/andrew-durden-2774438)** (NMLS 2774438), Loan Factory, Vero Beach, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Vero Beach, FL - Licensed in FL: confirmed with the Florida regulator (license LO149802), verified 2026-10-09 - Licensed since 2026 (per Florida records) 13. **[Elisangela Cavalcanti](https://lendb.ai/lo/elisangela-de-souza-cavalcanti-2810750)** (NMLS 2810750), Loan Factory - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO145822), verified 2026-10-09 - Licensed since 2026 (per Florida records) 14. **[Jose Antonio Manrique](https://lendb.ai/lo/jose-manrique-1456209)** (NMLS 1456209), Loan Factory, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Florida - Licensed in FL: confirmed with the Florida regulator (license LO49767), verified 2026-10-09 - Licensed since 2018 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 15. **[Elie Kassin](https://lendb.ai/lo/elie-smilovitz-kassin-2798052)** (NMLS 2798052), Loan Factory, Miami, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Miami, FL - Licensed in FL: confirmed with the Florida regulator (license LO145118), verified 2026-10-09 - Licensed since 2026 (per Florida records) 16. **[Samuel Martinez](https://lendb.ai/lo/samuel-martinez-urrea-2553732)** (NMLS 2553732), CrossCountry Mortgage, Orlando, FL - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Office in Orlando, FL - Licensed in FL: confirmed with the Florida regulator (license LO127234), verified 2026-10-09 - Licensed since 2024 (per Florida records) 17. **[Aristides Soto](https://lendb.ai/lo/aristides-soto-oliveros-2178368)** (NMLS 2178368), Barrett Financial Group, Gilbert, AZ - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO94486), verified 2026-10-09 - Licensed since 2021 (per Florida records) 18. **[Andris Lauzums](https://lendb.ai/lo/andris-lauzums-1665573)** (NMLS 1665573), C2 Financial Corporation - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO57936), verified 2026-10-09 - Licensed since 2018 (per Florida records) 19. **[Seyed Sam Razavi](https://lendb.ai/lo/seyed-razavi-985351)** (NMLS 985351), C2 Financial Corporation - Lists Foreign national on lender page (lender page, verified 2026-10-09) - Licensed in FL: confirmed with the Florida regulator (license LO105146), verified 2026-10-09 - Licensed since 2022 (per Florida records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/foreign-national/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._