Loan programs · Alabama
Down payment assistance loan officers in Alabama
As of 2026-10-09, LenDb lists 79 loan officers licensed in or based in Alabama whose lender pages show Down payment assistance work. The top-ranked are Kim Brooks (Guild Mortgage, Mobile), Anna McCaghren Wilson (CrossCountry Mortgage, Decatur) and Cissy Bacon (CrossCountry Mortgage, Mobile). Ranking is lender-neutral: specialty evidence first, then a license in AL, 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 25
- 1
Kim BrooksNMLS 335539
Guild Mortgage · Mobile, AL
- Down payment assistance
- Construction loan
- FHA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 30 years experience (stated on lender page, 2026-10-09)
- 2
Anna McCaghren WilsonNMLS 198179
CrossCountry Mortgage · Decatur, AL · licensed in 2 states
- Down payment assistance
- USDA loan
- VA loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 43 years experience (stated on lender page, 2026-10-09)
- 3
Cissy BaconNMLS 36702
CrossCountry Mortgage · Mobile, AL · licensed in 3 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 15 years licensed
- 4
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Shelley FaulknerNMLS 470443
Guild Mortgage · Prattville, AL
- Down payment assistance
- FHA loan
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 21 years experience (stated on lender page, 2026-10-09)
- 6
Teechee BuhnerkemperNMLS 459860
Guild Mortgage · Orange Park, FL · licensed in 2 states
- Down payment assistance
- First-time buyer
- Construction loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 7
John LangdonNMLS 1911950
Union Home Mortgage · Dothan, AL · licensed in 6 states
- Down payment assistance
- Construction loan
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 0 years licensed
- 8
Shelly NicklesNMLS 430123
CrossCountry Mortgage · Montgomery, AL · licensed in 5 states
- Down payment assistance
- Construction loan
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 7 years licensed
- 9
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Down payment assistance
- Non-QM loan
- HELOC
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 10
Christina Mulkey SingletonNMLS 2002673
CrossCountry Mortgage · Auburn, AL · licensed in 4 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 5 years licensed
- 11
Clyde BellNMLS 1660787
CrossCountry Mortgage · Birmingham, AL · licensed in 3 states
- Down payment assistance
- FHA loan
- Jumbo loan
- USDA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 3 years licensed
- 12
Michael AliNMLS 526283
CrossCountry Mortgage · Birmingham, AL · licensed in 2 states
- Down payment assistance
- Construction loan
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- 2 years licensed
- 13
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 14
Trevor CobbNMLS 1582684
Highlands Residential Mortgage · Brentwood, TN · licensed in 8 states
- Down payment assistance
- USDA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 15
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Down payment assistance
- First-time buyer
- VA loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 16
Tony GarciaNMLS 1494450
CrossCountry Mortgage · Fort Pierce, FL · licensed in 3 states
- Down payment assistance
- Real estate investor
- VA loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 17
Morgan HughesNMLS 2143744
CrossCountry Mortgage · Montgomery, AL
- Down payment assistance
- First-time buyer
- FHA loan
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 18
Rodney MasonNMLS 151088
CrossCountry Mortgage · Atlanta, GA · licensed in 11 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 19
Brittany McLendonNMLS 1217704
CrossCountry Mortgage · Monroe, GA · licensed in 6 states
- Down payment assistance
- USDA loan
- VA loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 20
Ashlyn PooleNMLS 2070091
CrossCountry Mortgage · Huntsville, AL · licensed in 3 states
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- Branch in Alabama
- No disciplinary actions on file at LenDb
- 21
Lisa ChauvinNMLS 112403
Assurance Financial · Baton Rouge, LA · licensed in 5 states
- Down payment assistance
- Construction loan
- FHA loan
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
Olivia Cox PaulsonNMLS 209281
Guild Mortgage · Portland, OR · licensed in 5 states
- Down payment assistance
- Asset-based qualifying
- First-time buyer
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Andre YarinaNMLS 1408534
CrossCountry Mortgage · Cleveland, OH · licensed in 35 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 24
Laura JolinNMLS 180002
CrossCountry Mortgage · Peachtree City, GA · licensed in 5 states
- Down payment assistance
- USDA loan
- VA loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 25
Lisa WheelerNMLS 250774
Embrace Home Loans · Tampa, FL · licensed in 5 states
- Down payment assistance
- 1099 income
- Bank statement loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in AL (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Programs are local, change often, and need the lender to be approved with the housing agency that runs them.
- Which down payment assistance programs are you approved for here?
- Is the assistance a grant, a forgivable loan, or a repayable second?
- Are there income, purchase price or first-time buyer limits?
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 AL 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=down-payment-assistance&state=AL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.