--- canonical_url: https://lendb.ai/s/down-payment-assistance/arkansas last_verified: 2026-10-10 --- # 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. ## Ranked, with reasons 1. **[Felicia Johnson](https://lendb.ai/lo/felicia-johnson-2228803)** (NMLS 2228803), CrossCountry Mortgage, Little Rock, AR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Little Rock, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 2. **[Yesenia Sanabria](https://lendb.ai/lo/yesenia-sanabria-1932716)** (NMLS 1932716), Guild Mortgage, Bentonville, AR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bentonville, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 3. **[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) - AR 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) 4. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 5. **[Amy Cummings](https://lendb.ai/lo/amy-cummings-882893)** (NMLS 882893), Highlands Residential Mortgage, Texarkana, TX - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 6. **[John Markman](https://lendb.ai/lo/john-markman-1660491)** (NMLS 1660491), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 7. **[Aaron Abed](https://lendb.ai/lo/aaron-abed-335548)** (NMLS 335548), CrossCountry Mortgage, Bloomington, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 8. **[John King](https://lendb.ai/lo/john-king-453426)** (NMLS 453426), CrossCountry Mortgage, Roseville, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 9. **[Lacey Moores](https://lendb.ai/lo/lacey-moores-681629)** (NMLS 681629), CrossCountry Mortgage, Lees Summit, MO - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 10. **[Michael Smalley](https://lendb.ai/lo/michael-smalley-289846)** (NMLS 289846), CrossCountry Mortgage, Winter Park, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 11. **[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) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 12. **[Julian Bednar](https://lendb.ai/lo/julian-bednar-1752492)** (NMLS 1752492), CrossCountry Mortgage, Owatonna, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Brandi Langford](https://lendb.ai/lo/brandi-langford-2311171)** (NMLS 2311171), Highlands Residential Mortgage, Texarkana, TX - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Nikkie Bickham](https://lendb.ai/lo/alice-bickham-755411)** (NMLS 755411), Lower, Hughes Springs, TX - Lists Down payment assistance on lender page (lender page, verified 2026-10-10) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 15. **[Kimberlie McKenzie](https://lendb.ai/lo/kimberlie-mckenzie-1662986)** (NMLS 1662986), Guild Mortgage, Alexandria, LA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR 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) 16. **[Nicole Falgout](https://lendb.ai/lo/nicole-falgout-2253729)** (NMLS 2253729), Guild Mortgage, Bentonville, AR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bentonville, AR - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Siri Calamese](https://lendb.ai/lo/siri-calamese-2075460)** (NMLS 2075460), Guild Mortgage, Tampa, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 18. **[Monica Creighton](https://lendb.ai/lo/monica-creighton-1106090)** (NMLS 1106090), Guild Mortgage, Fort Scott, KS - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Francis X Ruzicka](https://lendb.ai/lo/francis-x-ruzicka-232598)** (NMLS 232598), Guild Mortgage, Chesterfield, MO - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/arkansas. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._