--- canonical_url: https://lendb.ai/s/down-payment-assistance/california last_verified: 2026-10-09 --- # Down payment assistance loan officers in California 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. ## Ranked, with reasons 1. **[Jesus Renteria](https://lendb.ai/lo/jesus-renteria-275750)** (NMLS 275750), Envoy Mortgage, Walnut Creek, CA - 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) 2. **[Carlos Moctezuma](https://lendb.ai/lo/carlos-moctezuma-960434)** (NMLS 960434), First Citizens Bank, Ontario, CA - 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) 3. **[Patty Grissom](https://lendb.ai/lo/patty-grissom-350159)** (NMLS 350159), Guild Mortgage, Fresno, CA - 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) 4. **[Kelly O'Sullivan](https://lendb.ai/lo/kelly-o-sullivan-349711)** (NMLS 349711), CrossCountry Mortgage, Berkeley, CA - 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) 5. **[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) - 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) 6. **[Chas Krauth](https://lendb.ai/lo/charles-david-krauth-290286)** (NMLS 290286), Guild Mortgage, Walnut Creek, CA - 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) 7. **[Kristina Renee Bailey](https://lendb.ai/lo/kristina-bailey-448590)** (NMLS 448590), Guild Mortgage, Vacaville, CA - 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) 8. **[Rick Whitted](https://lendb.ai/lo/rick-whitted-693313)** (NMLS 693313), First Citizens Bank, Los Angeles, CA - 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) 9. **[Jeannette Ruiz Mayes](https://lendb.ai/lo/jeannette-ruiz-mayes-727255)** (NMLS 727255), First Citizens Bank, Los Angeles, CA - 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) 10. **[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) - 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) 11. **[Noemi Llamas](https://lendb.ai/lo/noemi-llamas-489829)** (NMLS 489829), JPMorgan Chase Bank (Chase Home Lending), Gardena, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Gardena, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 20 years of experience (lender page, 2026-10-09) 12. **[Vivian Pang](https://lendb.ai/lo/vivian-pang-2012258)** (NMLS 2012258), Loan Factory - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 13. **[Hong Nguyen](https://lendb.ai/lo/hong-nguyen-666767)** (NMLS 666767), JPMorgan Chase Bank (Chase Home Lending), Elk Grove, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Elk Grove, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 15 years of experience (lender page, 2026-10-09) 14. **[Julia Isabell](https://lendb.ai/lo/julia-isabell-1545553)** (NMLS 1545553), Homeowners Financial Group, Folsom, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Folsom, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 15. **[Matthew England](https://lendb.ai/lo/matthew-england-1007434)** (NMLS 1007434), JPMorgan Chase Bank (Chase Home Lending), Dublin, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Dublin, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2013 (per Florida records) 16. **[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) - Office in Auburn, 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) 17. **[Zach Taylor](https://lendb.ai/lo/zach-taylor-315344)** (NMLS 315344), CrossCountry Mortgage, Encinitas, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Encinitas, 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) 18. **[Liza Lorenzo](https://lendb.ai/lo/liza-lorenzo-1912351)** (NMLS 1912351), Envoy Mortgage, Walnut Creek, CA - 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 3 years of experience (lender page, 2026-10-09) 19. **[Rob Briggs](https://lendb.ai/lo/rob-briggs-1627558)** (NMLS 1627558), CrossCountry Mortgage, Snohomish, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 9 years of experience (lender page, 2026-10-09) 20. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in San Diego, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[David Ho](https://lendb.ai/lo/david-ho-1399224)** (NMLS 1399224), JPMorgan Chase Bank (Chase Home Lending), San Francisco, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in San Francisco, CA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2018 (per Florida records) 22. **[Josiah Paul Shelman](https://lendb.ai/lo/josiah-shelman-1824996)** (NMLS 1824996), Guild Mortgage, Tumwater, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 23. **[Nadia Raknai](https://lendb.ai/lo/nadia-raknai-484350)** (NMLS 484350), CrossCountry Mortgage, Seattle, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 28 years of experience (lender page, 2026-10-09) 24. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 25. **[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) - CA 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) ## 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/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._