--- canonical_url: https://lendb.ai/s/down-payment-assistance/arizona last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Tera Greene](https://lendb.ai/lo/tera-greene-304548)** (NMLS 304548), CrossCountry Mortgage, Yuma, AZ - 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) 2. **[Dru Suzanne Oster](https://lendb.ai/lo/dru-suzanne-oster-1465553)** (NMLS 1465553), Barrett Financial Group, Chandler, AZ - 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) 3. **[Joe Mendivil](https://lendb.ai/lo/joseph-mendivil-758979)** (NMLS 758979), Loan Factory - 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) 4. **[Nancy Siples](https://lendb.ai/lo/nancy-herrera-256016)** (NMLS 256016), Guild Mortgage, Riverside, CA - 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) 5. **[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) - 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) 6. **[Zsa Zsa Graham-Miller](https://lendb.ai/lo/zsa-zsa-graham-miller-625584)** (NMLS 625584), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - 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) 7. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - 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) 8. **[Dean Movroydis](https://lendb.ai/lo/dean-movroydis-2059460)** (NMLS 2059460), American Pacific Mortgage, Chandler, AZ - 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) 9. **[Jerry Graham](https://lendb.ai/lo/jerry-graham-1631651)** (NMLS 1631651), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - 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) 10. **[Robert Pina](https://lendb.ai/lo/robert-pina-1800303)** (NMLS 1800303), JPMorgan Chase Bank (Chase Home Lending), Tempe, AZ - 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) 11. **[Kristi Piatz](https://lendb.ai/lo/kristin-piatz-452537)** (NMLS 452537), Guild Mortgage, Edina, MN - 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) 12. **[Teena Brun](https://lendb.ai/lo/teena-brun-953410)** (NMLS 953410), CrossCountry Mortgage, Tucson, AZ - 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; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 13. **[Eric Whitney Hexum](https://lendb.ai/lo/eric-whitney-hexum-1569697)** (NMLS 1569697), Guild Mortgage, Kennewick, WA - 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) 14. **[Rachel Scow](https://lendb.ai/lo/rachel-scow-883097)** (NMLS 883097), JPMorgan Chase Bank (Chase Home Lending), Mesa, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Mesa, AZ - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2019 (per Florida records) 15. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA - 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 2013 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 16. **[Erika Slayton](https://lendb.ai/lo/erika-slayton-76823)** (NMLS 76823), CrossCountry Mortgage, San Antonio, TX - 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 31 years of experience (lender page, 2026-10-09) 17. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - 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) - States 20 years of experience (lender page, 2026-10-09) 18. **[Arthur Buhrer](https://lendb.ai/lo/arthur-buhrer-114080)** (NMLS 114080), CrossCountry Mortgage, Sequim, WA - 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 2022 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 19. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - 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 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 20. **[Geldie Richardson](https://lendb.ai/lo/geldie-richardson-231386)** (NMLS 231386), Envoy Mortgage, Auburn, CA - 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 20 years of experience (lender page, 2026-10-09) 21. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - 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 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 22. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - 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 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 23. **[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) - AZ 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) 24. **[Duane Martin](https://lendb.ai/lo/duane-martin-327181)** (NMLS 327181), CrossCountry Mortgage, Bothell, WA - 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 20 years of experience (lender page, 2026-10-09) 25. **[Kristen Forbes](https://lendb.ai/lo/kristen-forbes-755946)** (NMLS 755946), CrossCountry Mortgage, Hanover Park, IL - 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) ## 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/arizona. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._