{
  "canonical_url": "https://lendb.ai/s/down-payment-assistance/california",
  "summary": "As of 2026-10-09, LenDb lists 189 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.",
  "specialty": "down-payment-assistance",
  "state": "CA",
  "total": 189,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 275750,
        "slug": "jesus-renteria-275750",
        "full_name": "Jesus Renteria",
        "canonical_url": "https://lendb.ai/lo/jesus-renteria-275750",
        "json_url": "https://lendb.ai/lo/jesus-renteria-275750.json",
        "lender": {
          "nmls_id": 6666,
          "name": "Envoy Mortgage",
          "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666",
          "type": "imb"
        },
        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "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": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.envoymortgage.com/jesse-renteria/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Walnut Creek, CA",
        "CA 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/jesus-renteria-275750",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.envoymortgage.com/jesse-renteria/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 960434,
        "slug": "carlos-moctezuma-960434",
        "full_name": "Carlos Moctezuma",
        "canonical_url": "https://lendb.ai/lo/carlos-moctezuma-960434",
        "json_url": "https://lendb.ai/lo/carlos-moctezuma-960434.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Ontario",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Ontario, CA",
        "CA 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/carlos-moctezuma-960434",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 62,
      "loan_officer": {
        "nmls_id": 350159,
        "slug": "patty-grissom-350159",
        "full_name": "Patty Grissom",
        "canonical_url": "https://lendb.ai/lo/patty-grissom-350159",
        "json_url": "https://lendb.ai/lo/patty-grissom-350159.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Fresno",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/fresno/patty-grissom-532-ckpg.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Fresno, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/patty-grissom-350159",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/fresno/patty-grissom-532-ckpg.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 61.8,
      "loan_officer": {
        "nmls_id": 349711,
        "slug": "kelly-o-sullivan-349711",
        "full_name": "Kelly O'Sullivan",
        "canonical_url": "https://lendb.ai/lo/kelly-o-sullivan-349711",
        "json_url": "https://lendb.ai/lo/kelly-o-sullivan-349711.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Berkeley",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "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"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/berkeley-ca-4793/kelly-osullivan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Berkeley, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kelly-o-sullivan-349711",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/berkeley-ca-4793/kelly-osullivan/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 60.8,
      "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)",
        "Office in Riverside, CA",
        "CA 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": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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": 6,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 290286,
        "slug": "charles-david-krauth-290286",
        "full_name": "Chas Krauth",
        "canonical_url": "https://lendb.ai/lo/charles-david-krauth-290286",
        "json_url": "https://lendb.ai/lo/charles-david-krauth-290286.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Walnut Creek",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "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": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/walnutcreek/chas-krauth-141-nkck.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Walnut Creek, CA",
        "CA 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-david-krauth-290286",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/walnutcreek/chas-krauth-141-nkck.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 448590,
        "slug": "kristina-bailey-448590",
        "full_name": "Kristina Renee Bailey",
        "canonical_url": "https://lendb.ai/lo/kristina-bailey-448590",
        "json_url": "https://lendb.ai/lo/kristina-bailey-448590.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Vacaville",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/vacaville/kristina-bailey-270-ckkba.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Vacaville, CA",
        "CA 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/kristina-bailey-448590",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/vacaville/kristina-bailey-270-ckkba.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 60.5,
      "loan_officer": {
        "nmls_id": 693313,
        "slug": "rick-whitted-693313",
        "full_name": "Rick Whitted",
        "canonical_url": "https://lendb.ai/lo/rick-whitted-693313",
        "json_url": "https://lendb.ai/lo/rick-whitted-693313.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Los Angeles",
          "state": "CA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 35,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/los-angeles/rick-whitted",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Los Angeles, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/rick-whitted-693313",
      "license_check": {
        "state": "CA",
        "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": 9,
      "score": 60.5,
      "loan_officer": {
        "nmls_id": 727255,
        "slug": "jeannette-ruiz-mayes-727255",
        "full_name": "Jeannette Ruiz Mayes",
        "canonical_url": "https://lendb.ai/lo/jeannette-ruiz-mayes-727255",
        "json_url": "https://lendb.ai/lo/jeannette-ruiz-mayes-727255.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Los Angeles",
          "state": "CA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/los-angeles/jeannette-ruiz-mayes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Los Angeles, CA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeannette-ruiz-mayes-727255",
      "license_check": {
        "state": "CA",
        "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": 59.8,
      "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"
          },
          {
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