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

# Loan officers for ITIN borrowers in Florida

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Florida whose lender pages show ITIN borrower work. The top-ranked are Vivian Pang (Loan Factory), Johanna Arias (CrossCountry Mortgage, Allentown) and Debora Valdes (Total Mortgage Services, Milford). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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)
   - Licensed in FL: confirmed with the Florida regulator (license LO126814), verified 2026-10-09
   - Licensed since 2024 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Johanna Arias](https://lendb.ai/lo/johanna-arias-908021)** (NMLS 908021), CrossCountry Mortgage, Allentown, PA
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO116501), verified 2026-10-09
   - Licensed since 2023 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
3. **[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)
   - Licensed in FL: confirmed with the Florida regulator (license LO105917), verified 2026-10-09
   - Licensed since 2022 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
4. **[Sandro Cazella](https://lendb.ai/lo/sandro-cazella-dos-santos-2722248)** (NMLS 2722248), CrossCountry Mortgage, Deerfield Beach, FL
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Deerfield Beach, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO143394), verified 2026-10-09
   - Licensed since 2025 (per Florida records)
5. **[Pauline Garcia](https://lendb.ai/lo/pauline-garcia-219961)** (NMLS 219961), LeaderOne Financial, Oak Brook, IL
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO150768), verified 2026-10-09
   - Licensed since 2026 (per Florida records)
6. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO80935), verified 2026-10-09
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
7. **[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)
   - Licensed in FL: confirmed with the Florida regulator (license LO142707), verified 2026-10-09
   - Licensed since 2025 (per Florida records)
8. **[Jose Antonio Manrique](https://lendb.ai/lo/jose-manrique-1456209)** (NMLS 1456209), Loan Factory, FL
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Florida
   - Licensed in FL: confirmed with the Florida regulator (license LO49767), verified 2026-10-09
   - Licensed since 2018 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
9. **[Samuel Martinez](https://lendb.ai/lo/samuel-martinez-urrea-2553732)** (NMLS 2553732), CrossCountry Mortgage, Orlando, FL
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Office in Orlando, FL
   - Licensed in FL: confirmed with the Florida regulator (license LO127234), verified 2026-10-09
   - Licensed since 2024 (per Florida records)
10. **[Aristides Soto](https://lendb.ai/lo/aristides-soto-oliveros-2178368)** (NMLS 2178368), Barrett Financial Group, Gilbert, AZ
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Licensed in FL: confirmed with the Florida regulator (license LO94486), verified 2026-10-09
   - Licensed since 2021 (per Florida records)

## 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/florida.

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