---
canonical_url: https://lendb.ai/s/foreign-national/massachusetts
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[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)
   - Office in Auburn, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
   - States 27 years of experience (lender page, 2026-10-09)
2. **[Nicole Kwan](https://lendb.ai/lo/nicole-kwan-477256)** (NMLS 477256), CrossCountry Mortgage, Lexington, MA
   - Lists Foreign national on lender page (lender page, verified 2026-10-09)
   - Office in Lexington, MA
   - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)

## 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/massachusetts.

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