Borrower situations · California
Loan officers for ITIN borrowers in California
As of 2026-10-09, LenDb lists 15 loan officers licensed in or based in California whose lender pages show ITIN borrower work. The top-ranked are Vivian Pang (Loan Factory), Debora Valdes (Total Mortgage Services, Milford) and Janeth Pannen (Intercap Lending). 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 15
- 1
Vivian PangNMLS 2012258
Loan Factory · Mortgage broker · licensed in 2 states
- ITIN borrower
- 1099 income
- First-time buyer
- Foreign national
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower 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)
- 2
Debora ValdesNMLS 1793296
Total Mortgage Services · Milford, CT · licensed in 6 states
- ITIN borrower
- First-time buyer
- Real estate investor
- Self-employed
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 3
Janeth PannenNMLS 1502086
Intercap Lending · licensed in 5 states
- ITIN borrower
- First-time buyer
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- 4
Gregory Michael WestNMLS 1447959
Loan Factory · Mortgage broker · licensed in 9 states
- ITIN borrower
- USDA loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 5
Alex RamirezNMLS 450556
Xpert Home Lending · Mortgage broker · licensed in 5 states
- ITIN borrower
- VA loan
- Asset-based qualifying
- Bank statement loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 6
Brianna CervantesNMLS 1661609
Loan Factory · Mortgage broker · Los Angeles, CA
- ITIN borrower
- Down payment assistance
- DSCR loan
- FHA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Office in Los Angeles, CA
- 7
Evan SouzaNMLS 1675909
Xpert Home Lending · Mortgage broker · Sacramento, CA · licensed in 2 states
- ITIN borrower
- Asset-based qualifying
- Bank statement loan
- Down payment assistance
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Office in Sacramento, CA
- Licensed since 2021 (per Florida records)
- 8
Rachel StevensNMLS 831678
Xpert Home Lending · Mortgage broker · licensed in 3 states
- ITIN borrower
- First-time buyer
- Jumbo loan
- Self-employed
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Colorado records)
- 9
Star MirandaNMLS 2005818
Xpert Home Lending · Mortgage broker · licensed in 3 states
- ITIN borrower
- Bank statement loan
- Down payment assistance
- DSCR loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- 10
Debbi GalvanNMLS 190282
Xpert Home Lending · Mortgage broker · California
- ITIN borrower
- First-time buyer
- Real estate investor
- Self-employed
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Office in California
- 11
Stephanie TickemyerNMLS 2726612
Xpert Home Lending · Mortgage broker · California
- ITIN borrower
- Bank statement loan
- FHA loan
- Jumbo loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Office in California
- 12
Kane NavarroNMLS 1705907
Xpert Home Lending · Mortgage broker · licensed in 5 states
- ITIN borrower
- VA loan
- Asset-based qualifying
- Bank statement loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 13
Denise McManusNMLS 1982222
Xpert Home Lending · Mortgage broker · licensed in 5 states
- ITIN borrower
- Non-QM loan
- Real estate investor
- Self-employed
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 14
Sam BromleyNMLS 1151654
Xpert Home Lending · Mortgage broker · licensed in 10 states
- ITIN borrower
- VA loan
- Real estate investor
- Asset-based qualifying
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 15
Sylvia Gomez-WakiNMLS 346737
Xpert Home Lending · Mortgage broker
- ITIN borrower
- Asset-based qualifying
- Bank statement loan
- Down payment assistance
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
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 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=itin&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.