{ "canonical_url": "https://lendb.ai/s/down-payment-assistance/arizona", "summary": "As of 2026-10-09, LenDb lists 130 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.", "specialty": "down-payment-assistance", "state": "AZ", "total": 130, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 304548, "slug": "tera-greene-304548", "full_name": "Tera Greene", "canonical_url": "https://lendb.ai/lo/tera-greene-304548", "json_url": "https://lendb.ai/lo/tera-greene-304548.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Yuma", "state": "AZ" }, "licensed_states": [ "AZ", "CA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/yuma-az-4633/tera-greene/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Yuma, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tera-greene-304548", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/yuma-az-4633/tera-greene/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 1465553, "slug": "dru-suzanne-oster-1465553", "full_name": "Dru Suzanne Oster", "canonical_url": "https://lendb.ai/lo/dru-suzanne-oster-1465553", "json_url": "https://lendb.ai/lo/dru-suzanne-oster-1465553.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 27, "lender_profile_url": "https://www.barrettfinancial.com/doster", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Chandler, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 27 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dru-suzanne-oster-1465553", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/doster" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 58.5, "loan_officer": { "nmls_id": 758979, "slug": "joseph-mendivil-758979", "full_name": "Joe Mendivil", "canonical_url": "https://lendb.ai/lo/joseph-mendivil-758979", "json_url": "https://lendb.ai/lo/joseph-mendivil-758979.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joe-mendivil-758979", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joseph-mendivil-758979", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/joe-mendivil-758979" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 57.8, "loan_officer": { "nmls_id": 256016, "slug": "nancy-herrera-256016", "full_name": "Nancy Siples", "canonical_url": "https://lendb.ai/lo/nancy-herrera-256016", "json_url": "https://lendb.ai/lo/nancy-herrera-256016.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Riverside", "state": "CA" }, "licensed_states": [ "AZ", "CA", "ID", "TN" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/ca/riverside/nancy-siples-607-chnsi.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nancy-herrera-256016", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/ca/riverside/nancy-siples-607-chnsi.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 57.8, "loan_officer": { "nmls_id": 474281, "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": { "nmls_id": 181106, "name": "Barrett Financial Group", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "licensed_states": [ "CO", "AL", "AZ", "GA", "ID", "MT", "NV", "OH", "OK", "TX", "UT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "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)", "Office in Chandler, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 56.5, "loan_officer": { "nmls_id": 625584, "slug": "zsa-zsa-graham-miller-625584", "full_name": "Zsa Zsa Graham-Miller", "canonical_url": "https://lendb.ai/lo/zsa-zsa-graham-miller-625584", "json_url": "https://lendb.ai/lo/zsa-zsa-graham-miller-625584.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 16, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-625584", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 16 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/zsa-zsa-graham-miller-625584", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 54.8, "loan_officer": { "nmls_id": 210839, "slug": "jason-smith-210839", "full_name": "Jason Smith", "canonical_url": "https://lendb.ai/lo/jason-smith-210839", "json_url": "https://lendb.ai/lo/jason-smith-210839.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AK", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "MO", "NE", "NM", "NV", "OK", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Scottsdale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jason-smith-210839", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/scottsdale-az-4661/jason-smith/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 54, "loan_officer": { "nmls_id": 2059460, "slug": "dean-movroydis-2059460", "full_name": "Dean Movroydis", "canonical_url": "https://lendb.ai/lo/dean-movroydis-2059460", "json_url": "https://lendb.ai/lo/dean-movroydis-2059460.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Chandler", "state": "AZ" }, "licensed_states": [ "AZ", "CA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "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" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 45, "lender_profile_url": "https://www.apmortgage.com/dean-movroydis", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Chandler, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 45 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dean-movroydis-2059460", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.apmortgage.com/dean-movroydis" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 52.5, "loan_officer": { "nmls_id": 1631651, "slug": "jerry-graham-1631651", "full_name": "Jerry Graham", "canonical_url": "https://lendb.ai/lo/jerry-graham-1631651", "json_url": "https://lendb.ai/lo/jerry-graham-1631651.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 8, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1631651", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Phoenix, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 8 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jerry-graham-1631651", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 52.5, "loan_officer": { "nmls_id": 1800303, "slug": "robert-pina-1800303", "full_name": "Robert Pina", "canonical_url": "https://lendb.ai/lo/robert-pina-1800303", "json_url": "https://lendb.ai/lo/robert-pina-1800303.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Tempe", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 8, "lender_profile_url": "https://homelendingadvisor.chase.com/az/tempe/100-w-university-dr-hla-1800303", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Tempe, AZ", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 8 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-pina-1800303", "license_check": { "state": "AZ", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 52.3, "loan_officer": { "nmls_id": 452537, "slug": "kristin-piatz-452537", "full_name": "Kristi Piatz", "canonical_url": "https://lendb.ai/lo/kristin-piatz-452537", "json_url": "https://lendb.ai/lo/kristin-piatz-452537.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Edina", "state": "MN" }, "licensed_states": [ "FL", "AZ", "MN", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "WI", "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" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/mn/edina/kristi-piatz-686-umkp.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/kristin-piatz-452537", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/mn/edina/kristi-piatz-686-umkp.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 52.3, "loan_officer": { "nmls_id": 953410, "slug": "teena-brun-953410", "full_name": "Teena Brun", "canonical_url": "https://lendb.ai/lo/teena-brun-953410", "json_url": "https://lendb.ai/lo/teena-brun-953410.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tucson", "state": "AZ" }, "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/tucson-az-4625/teena-brun/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Tucson, AZ", "AZ listed on their lender page (not yet checked with the state regulator; 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