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Borrower situations · North Carolina

Loan officers for ITIN borrowers in North Carolina

As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in North Carolina whose lender pages show ITIN borrower work. The top-ranked are Gregory Michael West (Loan Factory), Andy Garcia (TowneBank Mortgage, Charlotte) and John Kladis (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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 5

  1. 1

    Gregory Michael WestNMLS 1447959

    Loan Factory · Mortgage broker · licensed in 9 states

    • ITIN borrower
    • USDA loan
    • VA loan
    • NC 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 2025 (per Florida records)
  2. 2

    Andy GarciaNMLS 851891

    TowneBank Mortgage · Bank · Charlotte, NC

    • ITIN borrower
    • First-time buyer
    • Self-employed
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Office in Charlotte, NC
  3. 3

    John KladisNMLS 2324532

    Loan Factory · Mortgage broker · licensed in 5 states

    • ITIN borrower
    • 1099 income
    • Bank statement loan
    • Construction loan
    • NC 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 30 years of experience (lender page, 2026-10-09)
  4. 4

    Alex HeathNMLS 290072

    Xpert Home Lending · Mortgage broker · licensed in 3 states

    • ITIN borrower
    • First-time buyer
    • Real estate investor
    • Reverse mortgage
    • NC 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 2009 (per Colorado records)
  5. 5

    Suresh SapkotaNMLS 2091996

    Xpert Home Lending · Mortgage broker · licensed in 6 states

    • ITIN borrower
    • Bank statement loan
    • FHA loan
    • Jumbo loan
    • NC 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)

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 NC license is confirmed with the state regulator (check mark), NC 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=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.