Borrower situations · Florida
Loan officers for ITIN borrowers in Florida
As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Florida whose lender pages show ITIN borrower work. The top-ranked are Jose Antonio Manrique (Loan Factory), Sandro Cazella (CrossCountry Mortgage, Deerfield Beach) and Lisa Wheeler (Embrace Home Loans, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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 25
- 1
Jose Antonio ManriqueNMLS 1456209
Loan Factory · Florida
- ITIN borrower
- Bank statement loan
- DSCR loan
- FHA loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 10 years licensed
- 2
Sandro CazellaNMLS 2722248
CrossCountry Mortgage · Deerfield Beach, FL
- ITIN borrower
- DSCR loan
- FHA loan
- Foreign national
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
- 3
Lisa WheelerNMLS 250774
Embrace Home Loans · Tampa, FL · licensed in 5 states
- ITIN borrower
- 1099 income
- Bank statement loan
- Down payment assistance
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 4
Gregory Michael WestNMLS 1447959
Loan Factory · licensed in 9 states
- ITIN borrower
- USDA loan
- VA loan
- First-time buyer
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 5
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 FL (state license, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 6
Pauline GarciaNMLS 219961
LeaderOne Financial · Oak Brook, IL · licensed in 4 states
- ITIN borrower
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 7
Debora ValdesNMLS 1793296
Total Mortgage Services · Milford, CT · licensed in 6 states
- ITIN borrower
- First-time buyer
- Real estate investor
- Self-employed
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 8
Johanna AriasNMLS 908021
CrossCountry Mortgage · Allentown, PA · licensed in 3 states
- ITIN borrower
- DSCR loan
- Foreign national
- Non-QM loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 9
Elena FlynnNMLS 2468702
CrossCountry Mortgage · Bethlehem, PA
- ITIN borrower
- Condo
- DSCR loan
- FHA loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 10
Vivian PangNMLS 2012258
Loan Factory · licensed in 2 states
- ITIN borrower
- 1099 income
- First-time buyer
- Foreign national
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 11
Holly LucaNMLS 586712
Loan Factory · licensed in 4 states
- ITIN borrower
- Construction loan
- Down payment assistance
- DSCR loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 12
Teresa RyanNMLS 1834954
Mutual of Omaha Mortgage · San Diego, CA · licensed in 2 states
- ITIN borrower
- DSCR loan
- FHA loan
- Non-QM loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 13
Kelly OllendorffNMLS 217393
Homeowners Financial Group · Austin, TX · licensed in 2 states
- ITIN borrower
- Down payment assistance
- First-time buyer
- Self-employed
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 14
Elisangela CavalcantiNMLS 2810750
Loan Factory · Florida
- ITIN borrower
- Foreign national
- DSCR loan
- Real estate investor
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
- 15
Samuel MartinezNMLS 2553732
CrossCountry Mortgage · Orlando, FL
- ITIN borrower
- Bank statement loan
- DSCR loan
- Foreign national
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 2 years licensed
- 16
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 FL (state license, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 17
Aristides SotoNMLS 2178368
Barrett Financial Group · Gilbert, AZ · licensed in 4 states
- ITIN borrower
- Self-employed
- 1099 income
- Bank statement loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 18
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA
- ITIN borrower
- 1099 income
- Asset-based qualifying
- Bank statement loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 19
Kane NavarroNMLS 1705907
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 FL (state license, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 20
Susan van de PollNMLS 831038
Xpert Home Lending · Colorado · licensed in 4 states
- ITIN borrower
- FHA loan
- Jumbo loan
- VA loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 21
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 FL (state license, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 22
Olesya KovzelyukNMLS 2046601
Xpert Home Lending · licensed in 2 states
- ITIN borrower
- Bank statement loan
- FHA loan
- Jumbo loan
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 23
Rachel StevensNMLS 831678
Xpert Home Lending · licensed in 3 states
- ITIN borrower
- First-time buyer
- Jumbo loan
- Self-employed
- Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 24
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 FL (state license, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 25
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 FL (state license, verified 2026-10-09)
- 3 years licensed
- 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 FL 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=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.