Borrower situations · Arizona
Loan officers for ITIN borrowers in Arizona
As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Arizona whose lender pages show ITIN borrower work. The top-ranked are Jonathan Edwards (Guild Mortgage, Greenwood Village), Janeth Pannen (Intercap Lending) and Sam Bromley (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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 14
- 1
Jonathan EdwardsNMLS 671258
Guild Mortgage · Greenwood Village, CO · licensed in 12 states
- ITIN borrower
- Real estate investor
- Self-employed
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 2
Janeth PannenNMLS 1502086
Intercap Lending · licensed in 5 states
- ITIN borrower
- First-time buyer
- Self-employed
- Foreign national
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Sam BromleyNMLS 1151654
Xpert Home Lending · licensed in 10 states
- ITIN borrower
- VA loan
- Real estate investor
- Asset-based qualifying
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 4
Elena De LuzNMLS 1180152
Barrett Financial Group · Chandler, AZ · licensed in 2 states
- ITIN borrower
- Down payment assistance
- DSCR loan
- FHA loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- Branch in Arizona
- No disciplinary actions on file at LenDb
- 5
Joseph ValVerdeNMLS 1600827
Loan Factory · licensed in 2 states
- ITIN borrower
- 1099 income
- Self-employed
- First-time buyer
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 6
Andrew ZavageNMLS 1920906
Barrett Financial Group · Chandler, AZ · licensed in 7 states
- ITIN borrower
- 1099 income
- Down payment assistance
- FHA loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- Branch in Arizona
- 0 years licensed
- 7
Star MirandaNMLS 2005818
Xpert Home Lending · licensed in 3 states
- ITIN borrower
- Bank statement loan
- Down payment assistance
- DSCR loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 8
Denise McManusNMLS 1982222
Xpert Home Lending · licensed in 5 states
- ITIN borrower
- Non-QM loan
- Real estate investor
- Self-employed
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 9
Madhusudhan ReddyNMLS 2434155
Loan Factory · San Francisco, CA · licensed in 5 states
- ITIN borrower
- First-time buyer
- Real estate investor
- Bank statement loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 10
John KladisNMLS 2324532
Loan Factory · licensed in 5 states
- ITIN borrower
- 1099 income
- Bank statement loan
- Construction loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 11
Jeri ShoopNMLS 224331
Xpert Home Lending · licensed in 4 states
- ITIN borrower
- Self-employed
- VA loan
- DSCR loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Alex RamirezNMLS 450556
Xpert Home Lending · licensed in 5 states
- ITIN borrower
- VA loan
- Asset-based qualifying
- Bank statement loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 13
Heather IdeNMLS 1633658
Xpert Home Lending · licensed in 2 states
- ITIN borrower
- Down payment assistance
- FHA loan
- USDA loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in AZ (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 14
Edrise BayoNMLS 2718591
CrossCountry Mortgage · Scottsdale, AZ
- ITIN borrower
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Branch in Arizona; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
Before you choose
Agency loans require a Social Security number, so ITIN loans come from a limited set of portfolio and non-QM lenders.
- Do you offer ITIN loans, and what down payment do they need?
- How do you verify my income and credit history?
- Can I refinance into a different loan later?
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 AZ 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=itin&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.