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

# 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.

## Ranked, with reasons

1. **[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)
   - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
2. **[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)
   - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)

## 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/new-york.

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