Loan programs · California
Down payment assistance loan officers in California
As of 2026-10-09, LenDb lists 191 loan officers licensed in or based in California whose lender pages show Down payment assistance work. The top-ranked are Jesus Renteria (Envoy Mortgage, Walnut Creek), Carlos Moctezuma (First Citizens Bank, Ontario) and Patty Grissom (Guild Mortgage, Fresno). Ranking is lender-neutral: specialty evidence first, then a license in CA, 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
Jesus RenteriaNMLS 275750
Envoy Mortgage · Walnut Creek, CA
- Down payment assistance
- First-time buyer
- Self-employed
- CA 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 Walnut Creek, CA
- States 25 years of experience (lender page, 2026-10-09)
- 2
Carlos MoctezumaNMLS 960434
First Citizens Bank · Bank · Ontario, CA
- Down payment assistance
- First-time buyer
- CA 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 Ontario, CA
- States 30 years of experience (lender page, 2026-10-09)
- 3
Patty GrissomNMLS 350159
Guild Mortgage · Fresno, CA
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- CA 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 Fresno, CA
- States 18 years of experience (lender page, 2026-10-09)
- 4
Kelly O'SullivanNMLS 349711
CrossCountry Mortgage · Berkeley, CA
- Down payment assistance
- First-time buyer
- CA 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 Berkeley, CA
- States 18 years of experience (lender page, 2026-10-09)
- 5
Nancy SiplesNMLS 256016
Guild Mortgage · Riverside, CA · licensed in 4 states
- Down payment assistance
- First-time buyer
- CA 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 Riverside, CA
- States 30 years of experience (lender page, 2026-10-09)
- 6
Chas KrauthNMLS 290286
Guild Mortgage · Walnut Creek, CA
- Down payment assistance
- CA 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 Walnut Creek, CA
- States 25 years of experience (lender page, 2026-10-09)
- 7
Kristina Renee BaileyNMLS 448590
Guild Mortgage · Vacaville, CA
- Down payment assistance
- Reverse mortgage
- CA 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 Vacaville, CA
- States 20 years of experience (lender page, 2026-10-09)
- 8
Rick WhittedNMLS 693313
First Citizens Bank · Bank · Los Angeles, CA
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo 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 Los Angeles, CA
- States 35 years of experience (lender page, 2026-10-09)
- 9
Jeannette Ruiz MayesNMLS 727255
First Citizens Bank · Bank · Los Angeles, CA
- Down payment assistance
- FHA loan
- First-time buyer
- 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 Los Angeles, CA
- States 25 years of experience (lender page, 2026-10-09)
- 10
Tera GreeneNMLS 304548
CrossCountry Mortgage · Yuma, AZ · licensed in 2 states
- Down payment assistance
- Construction loan
- USDA loan
- VA loan
- CA 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)
- 11
Noemi LlamasNMLS 489829
JPMorgan Chase Bank (Chase Home Lending) · Bank · Gardena, CA
- Down payment assistance
- VA loan
- FHA loan
- First-time buyer
- 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 Gardena, CA
- States 20 years of experience (lender page, 2026-10-09)
- 12
Vivian PangNMLS 2012258
Loan Factory · Mortgage broker · licensed in 2 states
- Down payment assistance
- 1099 income
- First-time buyer
- Foreign national
- CA 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)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Hong NguyenNMLS 666767
JPMorgan Chase Bank (Chase Home Lending) · Bank · Elk Grove, CA
- Down payment assistance
- VA loan
- FHA loan
- Self-employed
- 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 Elk Grove, CA
- States 15 years of experience (lender page, 2026-10-09)
- 14
Julia IsabellNMLS 1545553
Homeowners Financial Group · Folsom, CA
- Down payment assistance
- CA 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 Folsom, CA
- States 6 years of experience (lender page, 2026-10-09)
- 15
Matthew EnglandNMLS 1007434
JPMorgan Chase Bank (Chase Home Lending) · Bank · Dublin, CA
- Down payment assistance
- VA loan
- FHA loan
- Jumbo 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 Dublin, CA
- Licensed since 2013 (per Florida records)
- 16
Geldie RichardsonNMLS 231386
Envoy Mortgage · Auburn, CA · licensed in 4 states
- Down payment assistance
- First-time buyer
- CA 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 Auburn, CA
- States 20 years of experience (lender page, 2026-10-09)
- 17
Zach TaylorNMLS 315344
CrossCountry Mortgage · Encinitas, CA
- Down payment assistance
- Jumbo loan
- Real estate investor
- First-time buyer
- CA 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 Encinitas, CA
- States 30 years of experience (lender page, 2026-10-09)
- 18
Liza LorenzoNMLS 1912351
Envoy Mortgage · Walnut Creek, CA
- Down payment assistance
- First-time buyer
- CA 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 Walnut Creek, CA
- States 3 years of experience (lender page, 2026-10-09)
- 19
Rob BriggsNMLS 1627558
CrossCountry Mortgage · Snohomish, WA · licensed in 3 states
- Down payment assistance
- First-time buyer
- CA 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 9 years of experience (lender page, 2026-10-09)
- 20
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- Physician and medical professional
- HELOC
- Self-employed
- CA 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 San Diego, CA
- 21
David HoNMLS 1399224
JPMorgan Chase Bank (Chase Home Lending) · Bank · San Francisco, CA
- Down payment assistance
- Co-op
- Condo
- 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 San Francisco, CA
- Licensed since 2018 (per Florida records)
- 22
Josiah Paul ShelmanNMLS 1824996
Guild Mortgage · Tumwater, WA · licensed in 4 states
- Down payment assistance
- FHA loan
- First-time buyer
- Self-employed
- CA 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 6 years of experience (lender page, 2026-10-09)
- 23
Nadia RaknaiNMLS 484350
CrossCountry Mortgage · Seattle, WA · licensed in 4 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- VA loan
- CA 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 2025 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 24
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Self-employed
- CA 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 2016 (per Colorado records)
- 25
George KoutsosNMLS 29613
CrossCountry Mortgage · Beverly, MA · licensed in 15 states
- Down payment assistance
- Jumbo loan
- First-time buyer
- CA 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)
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 CA license is confirmed with the state regulator (check mark), CA 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=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.