--- canonical_url: https://lendb.ai/s/down-payment-assistance/alabama last_verified: 2026-10-10 --- # Down payment assistance loan officers in Alabama As of 2026-10-10, LenDb lists 47 loan officers licensed in or based in Alabama whose lender pages show Down payment assistance work. The top-ranked are Anna McCaghren Wilson (CrossCountry Mortgage, Decatur), Camille Olson (Barrett Financial Group, Chandler) and Michael Ali (CrossCountry Mortgage, Birmingham). Ranking is lender-neutral: specialty evidence first, then a license in AL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Anna McCaghren Wilson](https://lendb.ai/lo/anna-mccaghren-wilson-198179)** (NMLS 198179), CrossCountry Mortgage, Decatur, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Decatur, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 43 years of experience (lender page, 2026-10-09) 2. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 3. **[Michael Ali](https://lendb.ai/lo/shellie-ali-526283)** (NMLS 526283), CrossCountry Mortgage, Birmingham, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Birmingham, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 4. **[Teechee Buhnerkemper](https://lendb.ai/lo/teechee-buhnerkemper-459860)** (NMLS 459860), Guild Mortgage, Orange Park, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 5. **[Cissy Bacon](https://lendb.ai/lo/cecilia-bacon-36702)** (NMLS 36702), CrossCountry Mortgage, Mobile, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Mobile, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Florida records) 6. **[April Janas](https://lendb.ai/lo/april-janas-299013)** (NMLS 299013), CrossCountry Mortgage, Puyallup, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 7. **[Mark Ramos](https://lendb.ai/lo/mark-ramos-216938)** (NMLS 216938), CrossCountry Mortgage, Toms River, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 8. **[Jeremy McDonald](https://lendb.ai/lo/jeremy-mcdonald-1195266)** (NMLS 1195266), Loan Factory - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 9. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 10. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Monica Centeno](https://lendb.ai/lo/monica-centeno-1100009)** (NMLS 1100009), Guild Mortgage, Henderson, NV - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 12. **[Kim Tubbs](https://lendb.ai/lo/kim-tubbs-1807268)** (NMLS 1807268), Loan Factory - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 5 years of experience (lender page, 2026-10-09) 13. **[Christina Bús](https://lendb.ai/lo/christina-bus-118777)** (NMLS 118777), Loan Factory - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Shelly Nickles](https://lendb.ai/lo/shelly-nickles-430123)** (NMLS 430123), CrossCountry Mortgage, Montgomery, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Montgomery, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 15. **[Christina Mulkey Singleton](https://lendb.ai/lo/christina-mulkey-singleton-2002673)** (NMLS 2002673), CrossCountry Mortgage, Auburn, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Auburn, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 16. **[Russell Carmichael](https://lendb.ai/lo/john-carmichael-1492025)** (NMLS 1492025), Lower, Columbia, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-10) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 10 years of experience (lender page, 2026-10-10) 17. **[Tony Garcia](https://lendb.ai/lo/anthony-garcia-1494450)** (NMLS 1494450), CrossCountry Mortgage, Fort Pierce, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 18. **[Rodney Mason](https://lendb.ai/lo/rodney-mason-151088)** (NMLS 151088), CrossCountry Mortgage, Atlanta, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 19. **[Brittany McLendon](https://lendb.ai/lo/brittany-mclendon-1217704)** (NMLS 1217704), CrossCountry Mortgage, Monroe, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 20. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 21. **[Clyde Bell](https://lendb.ai/lo/clyde-bell-1660787)** (NMLS 1660787), CrossCountry Mortgage, Birmingham, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Birmingham, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 22. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 23. **[Laura Jolin](https://lendb.ai/lo/laura-jolin-180002)** (NMLS 180002), CrossCountry Mortgage, Peachtree City, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 24. **[Lindsey Chapman](https://lendb.ai/lo/lindsey-chapman-1749240)** (NMLS 1749240), CrossCountry Mortgage, Panama City, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) 25. **[John Langdon](https://lendb.ai/lo/john-langdon-1911950)** (NMLS 1911950), Union Home Mortgage, Dothan, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Dothan, AL - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/down-payment-assistance/alabama. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._