{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=down-payment-assistance&state=GA",
  "filters": {
    "specialty": [
      "down-payment-assistance"
    ],
    "state": "GA",
    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 62.8,
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        "slug": "terilyn-nicely-973893",
        "full_name": "Terilyn Nicely",
        "canonical_url": "https://lendb.ai/lo/terilyn-nicely-973893",
        "json_url": "https://lendb.ai/lo/terilyn-nicely-973893.json",
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          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "city": "Kathleen",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "GA",
          "LA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2023-04-04",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Kathleen, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 4, 2023 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/terilyn-nicely-973893",
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        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/"
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      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 216306,
        "slug": "mark-niosi-216306",
        "full_name": "Mark Niosi",
        "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
        "json_url": "https://lendb.ai/lo/mark-niosi-216306.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2020-12-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/dunkirk-md-2723/mark-niosi/",
        "disciplinary_check": "not_checked"
      },
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 23, 2020 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
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        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/dunkirk-md-2723/mark-niosi/"
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      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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      "rank": 3,
      "score": 59.8,
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        "nmls_id": 267729,
        "slug": "michelle-greenwalt-267729",
        "full_name": "Michelle Greenwalt",
        "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729",
        "json_url": "https://lendb.ai/lo/michelle-greenwalt-267729.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Millersville",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "PA",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2022-11-01",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://firsthome.com/loan-officers/michelle-greenwalt/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 1, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/michelle-greenwalt/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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    {
      "rank": 4,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 207639,
        "slug": "terri-cagle-207639",
        "full_name": "Terri Cagle",
        "canonical_url": "https://lendb.ai/lo/terri-cagle-207639",
        "json_url": "https://lendb.ai/lo/terri-cagle-207639.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
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        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "licensed_states": [
          "GA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-10)",
        "Office in Alpharetta, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 30 years of experience (lender page, 2026-10-10)"
      ],
      "canonical_url": "https://lendb.ai/lo/terri-cagle-207639",
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        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle"
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      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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      "rank": 5,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 1651741,
        "slug": "charla-smith-1651741",
        "full_name": "Charla Smith",
        "canonical_url": "https://lendb.ai/lo/charla-smith-1651741",
        "json_url": "https://lendb.ai/lo/charla-smith-1651741.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "GA"
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        "licensed_states": [
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          "LA",
          "TX"
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        "licenses": [
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            "confidence": "lender_reported"
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            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/loganville-ga-3183/charla-smith/",
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        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "confidence": "lender_reported",
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        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/loganville-ga-3183/charla-smith/"
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      "rank": 6,
      "score": 56.8,
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        "slug": "john-higdon-929683",
        "full_name": "John Higdon",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          "state": "IA"
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          "GA",
          "IA",
          "IL",
          "KS",
          "MO",
          "NE",
          "WI"
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        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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            "state": "IA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "MO",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "WI",
            "confidence": "lender_reported"
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
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        "licensed_since": {
          "year": 2019,
          "state": "FL"
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        "lender_profile_url": "https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html",
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        "States 14 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html"
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      "rank": 7,
      "score": 54.8,
      "loan_officer": {
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        "slug": "camille-olson-474281",
        "full_name": "Camille Olson",
        "canonical_url": "https://lendb.ai/lo/camille-olson-474281",
        "json_url": "https://lendb.ai/lo/camille-olson-474281.json",
        "lender": {
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          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
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        "branch": {
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          "state": "AZ"
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        "licensed_states": [
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          "AL",
          "AZ",
          "GA",
          "ID",
          "MT",
          "NV",
          "OH",
          "OK",
          "TX",
          "UT"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2016-10-21",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2016,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/colson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 21, 2016 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/camille-olson-474281",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.barrettfinancial.com/colson"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 1533678,
        "slug": "daniel-hembach-1533678",
        "full_name": "Danny Hembach",
        "canonical_url": "https://lendb.ai/lo/daniel-hembach-1533678",
        "json_url": "https://lendb.ai/lo/daniel-hembach-1533678.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Arlington",
          "state": "VA"
        },
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          "GA",
          "MD",
          "VA",
          "WV"
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        "licenses": [
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            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2020-04-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://branches.guildmortgage.com/va/arlington/danny-hembach-264-agdh.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 14, 2020 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
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