---
canonical_url: https://lendb.ai/s/itin/north-carolina
last_verified: 2026-10-09
---

# Loan officers for ITIN borrowers in North Carolina

As of 2026-10-09, LenDb lists 3 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), Alex Heath (Xpert Home Lending) and Suresh Sapkota (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Gregory Michael West](https://lendb.ai/lo/gregory-michael-west-1447959)** (NMLS 1447959), Loan Factory
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
2. **[Alex Heath](https://lendb.ai/lo/alex-heath-290072)** (NMLS 290072), Xpert Home Lending
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2009 (per Colorado records)
3. **[Suresh Sapkota](https://lendb.ai/lo/suresh-sapkota-2091996)** (NMLS 2091996), Xpert Home Lending
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## 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/north-carolina.

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