Loan programs · Arkansas

Down payment assistance loan officers in Arkansas

As of 2026-10-10, LenDb lists 19 loan officers licensed in or based in Arkansas whose lender pages show Down payment assistance work. The top-ranked are Felicia Johnson (CrossCountry Mortgage, Little Rock), Yesenia Sanabria (Guild Mortgage, Bentonville) and Coley Rau (CrossCountry Mortgage, Bryan). Ranking is lender-neutral: specialty evidence first, then a license in AR, 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 19

  1. 1

    Felicia JohnsonNMLS 2228803

    CrossCountry Mortgage · Little Rock, AR

    • Down payment assistance
    • FHA loan
    • First-time buyer
    • AR 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 Little Rock, AR
    • States 25 years of experience (lender page, 2026-10-09)
  2. 2

    Yesenia SanabriaNMLS 1932716

    Guild Mortgage · Bentonville, AR · licensed in 4 states

    • Down payment assistance
    • First-time buyer
    • ITIN borrower
    • Real estate investor
    • AR 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 Bentonville, AR
  3. 3

    Coley RauNMLS 256481

    CrossCountry Mortgage · Bryan, OH · licensed in 26 states

    • Down payment assistance
    • Jumbo loan
    • Real estate investor
    • USDA loan
    • AR 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)
  4. 4

    Nikkie BickhamNMLS 755411

    Lower · Hughes Springs, TX · licensed in 11 states

    • Down payment assistance
    • Rural property
    • DSCR loan
    • FHA loan
    • AR 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 2026-10-10)
    • Licensed since 2021 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-10)
  5. 5

    Jonathan SalinasNMLS 2451140

    CrossCountry Mortgage · Memphis, TN · licensed in 6 states

    • Down payment assistance
    • DSCR loan
    • ITIN borrower
    • Non-QM loan
    • AR 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 2023 (per Florida records)
  6. 6

    Amy CummingsNMLS 882893

    Highlands Residential Mortgage · Texarkana, TX · licensed in 2 states

    • Down payment assistance
    • Real estate investor
    • USDA loan
    • Vacation home
    • AR 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 25 years of experience (lender page, 2026-10-09)
  7. 7

    John MarkmanNMLS 1660491

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 3 states

    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • Self-employed
    • AR 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 16 years of experience (lender page, 2026-10-09)
  8. 8

    Aaron AbedNMLS 335548

    CrossCountry Mortgage · Bloomington, MN · licensed in 18 states

    • Down payment assistance
    • VA loan
    • First-time buyer
    • AR 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 2019 (per Florida records)
  9. 9

    John KingNMLS 453426

    CrossCountry Mortgage · Roseville, CA · licensed in 15 states

    • Down payment assistance
    • FHA loan
    • First-time buyer
    • AR 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)
  10. 10

    Lacey MooresNMLS 681629

    CrossCountry Mortgage · Lees Summit, MO · licensed in 7 states

    • Down payment assistance
    • VA loan
    • First-time buyer
    • AR 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 2023 (per Florida records)
  11. 11

    Michael SmalleyNMLS 289846

    CrossCountry Mortgage · Winter Park, FL · licensed in 15 states

    • Down payment assistance
    • Construction loan
    • Real estate investor
    • AR 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 2024 (per Florida records)
  12. 12

    John LangdonNMLS 1911950

    Union Home Mortgage · Dothan, AL · licensed in 6 states

    • Down payment assistance
    • Construction loan
    • VA loan
    • AR 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)
  13. 13

    Julian BednarNMLS 1752492

    CrossCountry Mortgage · Owatonna, MN · licensed in 5 states

    • Down payment assistance
    • First-time buyer
    • AR 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)
  14. 14

    Brandi LangfordNMLS 2311171

    Highlands Residential Mortgage · Texarkana, TX · licensed in 2 states

    • Down payment assistance
    • Real estate investor
    • USDA loan
    • Vacation home
    • AR 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)
  15. 15

    Kimberlie McKenzieNMLS 1662986

    Guild Mortgage · Alexandria, LA · licensed in 2 states

    • Down payment assistance
    • Manufactured home
    • AR 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 27 years of experience (lender page, 2026-10-09)
  16. 16

    Nicole FalgoutNMLS 2253729

    Guild Mortgage · Bentonville, AR · licensed in 3 states

    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • FHA loan
    • AR 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 Bentonville, AR
  17. 17

    Siri CalameseNMLS 2075460

    Guild Mortgage · Tampa, FL · licensed in 8 states

    • Down payment assistance
    • Manufactured home
    • USDA loan
    • AR 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)
  18. 18

    Monica CreightonNMLS 1106090

    Guild Mortgage · Fort Scott, KS · licensed in 3 states

    • Down payment assistance
    • FHA loan
    • USDA loan
    • AR 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)
  19. 19

    Francis X RuzickaNMLS 232598

    Guild Mortgage · Chesterfield, MO · licensed in 8 states

    • Down payment assistance
    • Reverse mortgage
    • AR 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)

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?

More about Down payment assistance

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 AR license is confirmed with the state regulator (check mark), AR 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=AR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.