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Borrower situations · Washington

Loan officers for ITIN borrowers in Washington

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Washington whose lender pages show ITIN borrower work. The top-ranked are Teresa Ryan (Mutual of Omaha Mortgage, San Diego), Alex Ramirez (Xpert Home Lending) and Janeth Pannen (Intercap Lending). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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

    Teresa RyanNMLS 1834954

    Mutual of Omaha Mortgage · San Diego, CA · licensed in 2 states

    • ITIN borrower
    • DSCR loan
    • FHA loan
    • Non-QM loan
    • WA 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 2026 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  2. 2

    Alex RamirezNMLS 450556

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • ITIN borrower
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • WA 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)
  3. 3

    Janeth PannenNMLS 1502086

    Intercap Lending · licensed in 5 states

    • ITIN borrower
    • First-time buyer
    • Self-employed
    • Foreign national
    • WA 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

    Carmel PerezNMLS 1933170

    CrossCountry Mortgage · Kennewick, WA · licensed in 2 states

    • ITIN borrower
    • Bank statement loan
    • First-time buyer
    • WA 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 Kennewick, WA
  5. 5

    Madhusudhan ReddyNMLS 2434155

    Loan Factory · Mortgage broker · San Francisco, CA · licensed in 5 states

    • ITIN borrower
    • First-time buyer
    • Real estate investor
    • Bank statement loan
    • WA 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 2023 (per Florida records)
  6. 6

    Heather IdeNMLS 1633658

    Xpert Home Lending · Mortgage broker · licensed in 2 states

    • ITIN borrower
    • Down payment assistance
    • FHA loan
    • USDA loan
    • WA 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)

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