LenDb.ai

Borrower situations · New York

Loan officers for ITIN borrowers in New York

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in New York whose lender pages show ITIN borrower work. The top-ranked are Debora Valdes (Total Mortgage Services, Milford) and Ronald Atamian (CrossCountry Mortgage, Allentown). Ranking is lender-neutral: specialty evidence first, then a license in NY, 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 2

  1. 1

    Debora ValdesNMLS 1793296

    Total Mortgage Services · Milford, CT · licensed in 6 states

    • ITIN borrower
    • First-time buyer
    • Real estate investor
    • Self-employed
    • NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
    • States 10 years of experience (lender page, 2026-10-09)
  2. 2

    Ronald AtamianNMLS 963318

    CrossCountry Mortgage · Allentown, PA · licensed in 6 states

    • ITIN borrower
    • 1099 income
    • Asset-based qualifying
    • Bank statement loan
    • NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
    • States 15 years of experience (lender page, 2026-10-09)

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 are listed when a NY license is confirmed with the state regulator (check mark), NY is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=itin&state=NY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.