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Borrower situations · Illinois

Loan officers for ITIN borrowers in Illinois

As of 2026-10-09, LenDb lists 11 loan officers licensed in or based in Illinois whose lender pages show ITIN borrower work. The top-ranked are Pauline Garcia (LeaderOne Financial, Oak Brook), Gregory Michael West (Loan Factory) and Jonathan Edwards (Guild Mortgage, Greenwood Village). Ranking is lender-neutral: specialty evidence first, then a license in IL, 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 11

  1. 1

    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 IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • 5 years licensed
  2. 2

    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 IL (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    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 IL (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Jonathan SalinasNMLS 2451140

    CrossCountry Mortgage · Memphis, TN · licensed in 6 states

    • ITIN borrower
    • Down payment assistance
    • DSCR loan
    • Non-QM loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Brenda CarachureNMLS 2461052

    Guild Mortgage · Weldon Spring, MO · licensed in 2 states

    • ITIN borrower
    • FHA loan
    • DSCR loan
    • Real estate investor
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Christy WhiteNMLS 543306

    Guild Mortgage · Indianapolis, IN · licensed in 2 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 IL (listed on lender page, verified 2026-10-09)
    • 27 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    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 IL (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Edwin Y MatosNMLS 2749585

    Loan Factory · licensed in 4 states

    • ITIN borrower
    • FHA loan
    • Non-QM loan
    • Self-employed
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  9. 9

    Adnan ImtiazNMLS 2680486

    Loan Factory · Illinois

    • ITIN borrower
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • Branch in Illinois
    • No disciplinary actions on file at LenDb
  10. 10

    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 IL (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Ram MishraNMLS 231417

    Loan Factory · licensed in 6 states

    • ITIN borrower
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in IL (listed on lender page, verified 2026-10-09)
    • 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?

More about ITIN borrower

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 IL 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=IL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.