---
canonical_url: https://lendb.ai/s/itin/california
last_verified: 2026-10-09
---

# Loan officers for ITIN borrowers in California

As of 2026-10-09, LenDb lists 7 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.

## Ranked, with reasons

1. **[Vivian Pang](https://lendb.ai/lo/vivian-pang-2012258)** (NMLS 2012258), Loan Factory
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Debora Valdes](https://lendb.ai/lo/debora-valdes-1793296)** (NMLS 1793296), Total Mortgage Services, Milford, CT
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
3. **[Janeth Pannen](https://lendb.ai/lo/janeth-pannen-1502086)** (NMLS 1502086), Intercap Lending
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[Gregory Michael West](https://lendb.ai/lo/gregory-michael-west-1447959)** (NMLS 1447959), Loan Factory
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
5. **[Brianna Cervantes](https://lendb.ai/lo/brianna-cervantes-1661609)** (NMLS 1661609), Loan Factory, Los Angeles, CA
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Los Angeles, CA
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
6. **[Stephanie Bjorge](https://lendb.ai/lo/stephanie-bjorge-1445028)** (NMLS 1445028), Xpert Home Lending
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
7. **[Matthew Hergert](https://lendb.ai/lo/matthew-hergert-234563)** (NMLS 234563), Xpert Home Lending
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/itin/california.

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