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

# Loan officers for ITIN borrowers in Virginia

As of 2026-10-09, LenDb lists 7 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 Ronald Atamian (CrossCountry Mortgage, Allentown). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
   - 10 years licensed
2. **[Lisa Wheeler](https://lendb.ai/lo/lisa-wheeler-250774)** (NMLS 250774), Embrace Home Loans, Tampa, FL
   - 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
3. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
   - 5 years licensed
4. **[Jeri Shoop](https://lendb.ai/lo/jeri-shoop-224331)** (NMLS 224331), Xpert Home Lending
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
5. **[Eliel Banegas](https://lendb.ai/lo/eliel-banegas-1967263)** (NMLS 1967263), American Pacific Mortgage, Gaithersburg, MD
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
6. **[Claudia Gomez](https://lendb.ai/lo/claudia-gomez-2298266)** (NMLS 2298266), American Pacific Mortgage, Gaithersburg, MD
   - Lists ITIN borrower on lender page (lender page, verified 2026-10-09)
   - Licensed in VA (listed on lender page, verified 2026-10-09)
7. **[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)
   - Licensed in VA (listed on lender page, verified 2026-10-09)

## 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/virginia.

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