Loan programs · Arizona
Down payment assistance loan officers in Arizona
As of 2026-10-09, LenDb lists 129 loan officers licensed in or based in Arizona whose lender pages show Down payment assistance work. The top-ranked are Tera Greene (CrossCountry Mortgage, Yuma), Dru Suzanne Oster (Barrett Financial Group, Chandler) and Joe Mendivil (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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
Tera GreeneNMLS 304548
CrossCountry Mortgage · Yuma, AZ · licensed in 2 states
- Down payment assistance
- Construction loan
- USDA loan
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Yuma, AZ
- States 30 years of experience (lender page, 2026-10-09)
- 2
Dru Suzanne OsterNMLS 1465553
Barrett Financial Group · Mortgage broker · Chandler, AZ
- Down payment assistance
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Chandler, AZ
- States 27 years of experience (lender page, 2026-10-09)
- 3
Joe MendivilNMLS 758979
Loan Factory · Mortgage broker
- Down payment assistance
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 4
Nancy SiplesNMLS 256016
Guild Mortgage · Riverside, CA · licensed in 4 states
- Down payment assistance
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- States 30 years of experience (lender page, 2026-10-09)
- 5
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Down payment assistance
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Chandler, AZ
- Licensed since 2016 (per Colorado records)
- 6
Zsa Zsa Graham-MillerNMLS 625584
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Down payment assistance
- FHA loan
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Phoenix, AZ
- States 16 years of experience (lender page, 2026-10-09)
- 7
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Scottsdale, AZ
- Licensed since 2022 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 8
Dean MovroydisNMLS 2059460
American Pacific Mortgage · Chandler, AZ · licensed in 2 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Chandler, AZ
- States 45 years of experience (lender page, 2026-10-09)
- 9
Jerry GrahamNMLS 1631651
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Down payment assistance
- HELOC
- Vacation home
- VA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Phoenix, AZ
- States 8 years of experience (lender page, 2026-10-09)
- 10
Robert PinaNMLS 1800303
JPMorgan Chase Bank (Chase Home Lending) · Bank · Tempe, AZ
- Down payment assistance
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Tempe, AZ
- States 8 years of experience (lender page, 2026-10-09)
- 11
Kristi PiatzNMLS 452537
Guild Mortgage · Edina, MN · licensed in 4 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 12
Teena BrunNMLS 953410
CrossCountry Mortgage · Tucson, AZ
- Down payment assistance
- VA loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Tucson, AZ
- States 15 years of experience (lender page, 2026-10-09)
- 13
Eric Whitney HexumNMLS 1569697
Guild Mortgage · Kennewick, WA · licensed in 3 states
- Down payment assistance
- DSCR loan
- FHA loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 14
Rachel ScowNMLS 883097
JPMorgan Chase Bank (Chase Home Lending) · Bank · Mesa, AZ
- Down payment assistance
- Vacation home
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Mesa, AZ
- Licensed since 2019 (per Florida records)
- 15
George KoutsosNMLS 29613
CrossCountry Mortgage · Beverly, MA · licensed in 15 states
- Down payment assistance
- Jumbo loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- States 35 years of experience (lender page, 2026-10-09)
- 16
Erika SlaytonNMLS 76823
CrossCountry Mortgage · San Antonio, TX · licensed in 3 states
- Down payment assistance
- Real estate investor
- Non-QM loan
- FHA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- States 31 years of experience (lender page, 2026-10-09)
- 17
Erin HendricksNMLS 90634
Intercap Lending · Pleasant Grove, UT · licensed in 22 states
- Down payment assistance
- Construction loan
- First-time buyer
- New construction
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 18
Arthur BuhrerNMLS 114080
CrossCountry Mortgage · Sequim, WA · licensed in 14 states
- Down payment assistance
- Real estate investor
- Reverse mortgage
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 19
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Down payment assistance
- Vacation home
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 20
Geldie RichardsonNMLS 231386
Envoy Mortgage · Auburn, CA · licensed in 4 states
- Down payment assistance
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 21
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Down payment assistance
- Jumbo loan
- Real estate investor
- USDA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 22
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Construction loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 23
April JanasNMLS 299013
CrossCountry Mortgage · Puyallup, WA · licensed in 13 states
- Down payment assistance
- Construction loan
- HELOC
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance 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)
- 24
Duane MartinNMLS 327181
CrossCountry Mortgage · Bothell, WA · licensed in 5 states
- Down payment assistance
- VA loan
- FHA loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 25
Kristen ForbesNMLS 755946
CrossCountry Mortgage · Hanover Park, IL · licensed in 5 states
- Down payment assistance
- FHA loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
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 are listed when a AZ license is confirmed with the state regulator (check mark), AZ 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=down-payment-assistance&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.