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Borrower situations · Massachusetts

Loan officers for foreign nationals in Massachusetts

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Massachusetts whose lender pages show Foreign national work. The top-ranked are Eva S. Kokosinska (Total Mortgage Services, Auburn) and Nicole Kwan (CrossCountry Mortgage, Lexington). Ranking is lender-neutral: specialty evidence first, then a license in MA, 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 2

  1. 1

    Eva S. KokosinskaNMLS 19571

    Total Mortgage Services · Auburn, MA · licensed in 2 states

    • Foreign national
    • First-time buyer
    • MA 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 Auburn, MA
    • Licensed since 2024 (per Florida records)
    • States 27 years of experience (lender page, 2026-10-09)
  2. 2

    Nicole KwanNMLS 477256

    CrossCountry Mortgage · Lexington, MA · licensed in 5 states

    • Foreign national
    • Condo
    • New construction
    • Physician and medical professional
    • MA 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 Lexington, MA
    • States 20 years of experience (lender page, 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 MA license is confirmed with the state regulator (check mark), MA 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=MA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.