Loan programs · Colorado
Down payment assistance loan officers in Colorado
As of 2026-10-09, LenDb lists 53 loan officers licensed in or based in Colorado whose lender pages show Down payment assistance work. The top-ranked are Shawn Garner (Guild Mortgage, Centennial), Mark Gundersen (Mutual of Omaha Mortgage, St. Charles) and Lenae Vandegrift (American Pacific Mortgage, Thornton). Ranking is lender-neutral: specialty evidence first, then a license in CO, 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
Shawn GarnerNMLS 1035302
Guild Mortgage · Centennial, CO · licensed in 6 states
- Down payment assistance
- First-time buyer
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100045411), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Centennial, CO
- Licensed since 2013 (per Colorado records)
- 2
Mark GundersenNMLS 397893
Mutual of Omaha Mortgage · St. Charles, IL · licensed in 2 states
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100522610), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 3
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Self-employed
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100503110), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Thornton, CO
- Licensed since 2016 (per Colorado records)
- 4
Kellie BuchananNMLS 744052
Highlands Residential Mortgage · Angel Fire, NM · licensed in 6 states
- Down payment assistance
- Condo
- Construction loan
- FHA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100514821), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Colorado records)
- States 34 years of experience (lender page, 2026-10-09)
- 5
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Down payment assistance
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100504651), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 6
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- CO 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)
- 7
Levi PollackNMLS 1749086
American Pacific Mortgage · Westminster, CO · licensed in 3 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Self-employed
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100512173), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Westminster, CO
- Licensed since 2018 (per Colorado records)
- 8
Arthur BuhrerNMLS 114080
CrossCountry Mortgage · Sequim, WA · licensed in 14 states
- Down payment assistance
- Real estate investor
- Reverse mortgage
- VA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100529791), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 9
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100043858), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 10
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Down payment assistance
- Jumbo loan
- Real estate investor
- USDA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100514806), verified 2026-10-09
- 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)
- 11
April JanasNMLS 299013
CrossCountry Mortgage · Puyallup, WA · licensed in 13 states
- Down payment assistance
- Construction loan
- HELOC
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100544787), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 12
Jonathan SalinasNMLS 2451140
CrossCountry Mortgage · Memphis, TN · licensed in 6 states
- Down payment assistance
- DSCR loan
- ITIN borrower
- Non-QM loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100542879), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 13
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- CO 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 17 years of experience (lender page, 2026-10-09)
- 14
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100032602), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Colorado records)
- States 18 years of experience (lender page, 2026-10-09)
- 15
Brett ShawNMLS 315592
LeaderOne Financial · Colorado Springs, CO · licensed in 4 states
- Down payment assistance
- Construction loan
- FHA loan
- HELOC
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100018951), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Colorado Springs, CO
- Licensed since 2007 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 16
Brandon BrieseNMLS 219467
NFM Lending · Littleton, CO
- Down payment assistance
- FHA loan
- Jumbo loan
- Non-QM loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100018852), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Littleton, CO
- Licensed since 2007 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 17
David CrammNMLS 565968
Xpert Home Lending · Mortgage broker · Colorado
- Down payment assistance
- FHA loan
- Jumbo loan
- Low credit score
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100054070), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Colorado
- Licensed since 2015 (per Colorado records)
- 18
Susan van de PollNMLS 831038
Xpert Home Lending · Mortgage broker · Colorado · licensed in 4 states
- Down payment assistance
- FHA loan
- Jumbo loan
- VA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100008071), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Colorado
- Licensed since 2006 (per Colorado records)
- 19
Craig MooreNMLS 211984
Guild Mortgage · Centennial, CO · licensed in 2 states
- Down payment assistance
- First-time buyer
- CO 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 Centennial, CO
- 20
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100512185), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 21
Taylor GutierrezNMLS 2137813
NFM Lending · Colorado Springs, CO
- Down payment assistance
- Self-employed
- VA loan
- FHA loan
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100529080), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Colorado Springs, CO
- Licensed since 2021 (per Colorado records)
- States 5 years of experience (lender page, 2026-10-09)
- 22
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- VA loan
- CO 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)
- States 22 years of experience (lender page, 2026-10-09)
- 23
Mike FilanNMLS 659409
CrossCountry Mortgage · Fairfax, VA · licensed in 8 states
- Down payment assistance
- First-time buyer
- CO 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 24 years of experience (lender page, 2026-10-09)
- 24
Li ZhangNMLS 679038
JPMorgan Chase Bank (Chase Home Lending) · Bank · Fort Collins, CO
- Down payment assistance
- FHA loan
- VA loan
- Self-employed
- CO 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 Fort Collins, CO
- 25
Cody McHughNMLS 1181777
CrossCountry Mortgage · Greenwood Village, CO · licensed in 6 states
- Down payment assistance
- First-time buyer
- ✓Licensed in CO: confirmed with the Colorado regulator (license 100529381), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Greenwood Village, CO
- Licensed since 2021 (per Colorado records)
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 CO license is confirmed with the state regulator (check mark), CO 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=CO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.