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Borrower situations · Texas

Loan officers for ITIN borrowers in Texas

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Texas whose lender pages show ITIN borrower work. The top-ranked are Antonio Gutierrez (Loan Factory), Debora Valdes (Total Mortgage Services, Milford) and Yesenia Sanabria (Guild Mortgage, Bentonville). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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 10

  1. 1

    Antonio GutierrezNMLS 722537

    Loan Factory · Mortgage broker · Texas

    • ITIN borrower
    • Asset-based qualifying
    • Bank statement loan
    • Construction loan
    • TX 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)
    • Office in Texas
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Debora ValdesNMLS 1793296

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

    • ITIN borrower
    • First-time buyer
    • Real estate investor
    • Self-employed
    • TX 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)
  3. 3

    Yesenia SanabriaNMLS 1932716

    Guild Mortgage · Bentonville, AR · licensed in 4 states

    • ITIN borrower
    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • TX 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)
  4. 4

    Gregory Michael WestNMLS 1447959

    Loan Factory · Mortgage broker · licensed in 9 states

    • ITIN borrower
    • USDA loan
    • VA loan
    • TX 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)
  5. 5

    Kelly OllendorffNMLS 217393

    Homeowners Financial Group · Austin, TX · licensed in 2 states

    • ITIN borrower
    • Down payment assistance
    • First-time buyer
    • Self-employed
    • TX 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)
    • Office in Austin, TX
    • Licensed since 2024 (per Florida records)
  6. 6

    Alex RamirezNMLS 450556

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • ITIN borrower
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • TX 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)
    • States 21 years of experience (lender page, 2026-10-09)
  7. 7

    Ari WrenNMLS 2012580

    American Pacific Mortgage · El Paso, TX · licensed in 3 states

    • ITIN borrower
    • Construction loan
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • TX 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)
    • Office in El Paso, TX
  8. 8

    Denise McManusNMLS 1982222

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • ITIN borrower
    • Non-QM loan
    • Real estate investor
    • Self-employed
    • TX 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)
  9. 9

    Sam BromleyNMLS 1151654

    Xpert Home Lending · Mortgage broker · licensed in 10 states

    • ITIN borrower
    • VA loan
    • Real estate investor
    • Asset-based qualifying
    • TX 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)
  10. 10

    Olesya KovzelyukNMLS 2046601

    Xpert Home Lending · Mortgage broker · licensed in 2 states

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

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