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Borrower situations · Oregon

Loan officers for ITIN borrowers in Oregon

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Oregon whose lender pages show ITIN borrower work. The top-ranked are Janeth Pannen (Intercap Lending), Sam Bromley (Xpert Home Lending) and Carmel Perez (CrossCountry Mortgage, Kennewick). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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

    Janeth PannenNMLS 1502086

    Intercap Lending · licensed in 5 states

    • ITIN borrower
    • First-time buyer
    • Self-employed
    • Foreign national
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in OR (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  2. 2

    Sam BromleyNMLS 1151654

    Xpert Home Lending · licensed in 10 states

    • ITIN borrower
    • VA loan
    • Real estate investor
    • Asset-based qualifying
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in OR (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Carmel PerezNMLS 1933170

    CrossCountry Mortgage · Kennewick, WA · licensed in 2 states

    • ITIN borrower
    • Bank statement loan
    • First-time buyer
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in OR (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 OR 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=OR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.