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Borrower situations · Virginia

Loan officers for ITIN borrowers in Virginia

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Virginia whose lender pages show ITIN borrower work. The top-ranked are Gregory Michael West (Loan Factory), Lisa Wheeler (Embrace Home Loans, Tampa) and Jeri Shoop (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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 6

  1. 1

    Gregory Michael WestNMLS 1447959

    Loan Factory · licensed in 9 states

    • ITIN borrower
    • USDA loan
    • VA loan
    • First-time buyer
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Lisa WheelerNMLS 250774

    Embrace Home Loans · Tampa, FL · licensed in 5 states

    • ITIN borrower
    • 1099 income
    • Bank statement loan
    • Down payment assistance
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Jeri ShoopNMLS 224331

    Xpert Home Lending · licensed in 4 states

    • ITIN borrower
    • Self-employed
    • VA loan
    • DSCR loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    Eliel BanegasNMLS 1967263

    American Pacific Mortgage · Gaithersburg, MD · licensed in 3 states

    • ITIN borrower
    • First-time buyer
    • FHA loan
    • HELOC
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  5. 5

    Claudia GomezNMLS 2298266

    American Pacific Mortgage · Gaithersburg, MD · licensed in 2 states

    • ITIN borrower
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Suresh SapkotaNMLS 2091996

    Xpert Home Lending · licensed in 6 states

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