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Borrower situations · Michigan

Loan officers for ITIN borrowers in Michigan

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Michigan whose lender pages show ITIN borrower work. The top-ranked are Jonathan Salinas (CrossCountry Mortgage, Memphis), Denise McManus (Xpert Home Lending) and Ram Mishra (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in MI, 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 3

  1. 1

    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 MI (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Denise McManusNMLS 1982222

    Xpert Home Lending · licensed in 5 states

    • ITIN borrower
    • Non-QM loan
    • Real estate investor
    • Self-employed
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in MI (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

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