{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=down-payment-assistance&state=TX",
  "filters": {
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    "state": "TX",
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      "rank": 1,
      "score": 65.8,
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        "slug": "diana-o-neal-342578",
        "full_name": "Jeanette O'Neal",
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          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
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        "licensed_states": [
          "TX"
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        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          "date": "2005-02-07",
          "state": "TX"
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        "licensed_since": {
          "year": 2005,
          "state": "TX"
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: February 7, 2005 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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        "confidence": "confirmed",
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        "verified_at": "2026-10-13",
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      "score": 65.8,
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        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          "TX"
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          {
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          {
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          "year": 2011,
          "state": "TX"
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: January 28, 2011 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
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        "slug": "angel-rodriguez-322455",
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          "TX"
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          {
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            "confidence": "confirmed"
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          "es"
        ],
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          "date": "2022-04-25",
          "state": "TX"
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          "year": 2022,
          "state": "TX"
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
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      ],
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        "state": "TX",
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        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "matched_specialties": [
        "down-payment-assistance"
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      "rank": 4,
      "score": 63.8,
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        "slug": "dianne-acuna-219210",
        "full_name": "DiAnne Acuna",
        "canonical_url": "https://lendb.ai/lo/dianne-acuna-219210",
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        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Austin",
          "state": "TX"
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        "licensed_states": [
          "TX"
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        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
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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": "2010-06-21",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/austin/dianne-acuna-485-apda.html",
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: June 21, 2010 (Texas), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/dianne-acuna-219210",
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        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "rank": 5,
      "score": 63.8,
      "loan_officer": {
        "nmls_id": 311377,
        "slug": "douglas-luza-311377",
        "full_name": "Doug Luza",
        "canonical_url": "https://lendb.ai/lo/douglas-luza-311377",
        "json_url": "https://lendb.ai/lo/douglas-luza-311377.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": "Katy",
          "state": "TX"
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        "licensed_states": [
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          "OK",
          "TX"
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        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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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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            "slug": "investor",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2010-07-26",
          "state": "TX"
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        "licensed_since": {
          "year": 2010,
          "state": "TX"
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        "lender_profile_url": "https://branches.guildmortgage.com/tx/katy/doug-luza-35-apdlu.html",
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        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
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      "score": 63.3,
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        "json_url": "https://lendb.ai/lo/andrew-postell-392627.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        "licenses": [
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        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "TX"
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          "state": "TX"
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      "rank": 7,
      "score": 62,
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        "slug": "melinda-munoz-293463",
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        "json_url": "https://lendb.ai/lo/melinda-munoz-293463.json",
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          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
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        "licenses": [
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            "confidence": "confirmed"
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          "state": "TX"
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          "state": "TX"
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      ],
      "canonical_url": "https://lendb.ai/lo/melinda-munoz-293463",
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      "score": 62,
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        "lender": {
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          "name": "Highlands Residential Mortgage",
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          "type": "imb"
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        "branch": {
          "city": "Angel Fire",
          "state": "NM"
        },
        "licensed_states": [
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          "CO",
          "NM",
          "OK",
          "TN",
          "TX"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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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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          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2012-01-06",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2012,
          "state": "TX"
        },
        "years_experience": 34,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/",
        "disciplinary_check": "not_checked"
      },
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        "Earliest state license record: January 6, 2012 (Texas), per state regulator",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
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        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "score": 60.8,
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        "slug": "lily-loh-289125",
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        "canonical_url": "https://lendb.ai/lo/lily-loh-289125",
        "json_url": "https://lendb.ai/lo/lily-loh-289125.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
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          "city": null,
          "state": "TX"
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          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
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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": "1999-11-22",
          "state": "TX"
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        "licensed_since": {
          "year": 1999,
          "state": "TX"
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        "years_experience": 25,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lily-loh-289125",
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      "reasons": [
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