Loan programs · Connecticut
Down payment assistance loan officers in Connecticut
As of 2026-10-09, LenDb lists 31 loan officers licensed in or based in Connecticut whose lender pages show Down payment assistance work. The top-ranked are Kate Reagan (Guild Mortgage, Easthampton), Eric Billings (Fairway Independent Mortgage Corporation, Hartford) and Michael DeRosa (JPMorgan Chase Bank (Chase Home Lending), Darien). Ranking is lender-neutral: specialty evidence first, then a license in CT, 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
Kate ReaganNMLS 19006
Guild Mortgage · Easthampton, MA · licensed in 7 states
- Down payment assistance
- Self-employed
- CT 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 2019 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Eric BillingsNMLS 98410
Fairway Independent Mortgage Corporation · Hartford, CT
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- CT 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 Hartford, CT
- States 26 years of experience (lender page, 2026-10-09)
- 3
Michael DeRosaNMLS 58223
JPMorgan Chase Bank (Chase Home Lending) · Bank · Darien, CT
- Down payment assistance
- Co-op
- Condo
- VA 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 Darien, CT
- Licensed since 2017 (per Florida records)
- 4
Matthew FiorilloNMLS 408635
JPMorgan Chase Bank (Chase Home Lending) · Bank · Ridgefield, CT
- 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 Ridgefield, CT
- Licensed since 2017 (per Florida records)
- 5
George KoutsosNMLS 29613
CrossCountry Mortgage · Beverly, MA · licensed in 15 states
- Down payment assistance
- Jumbo loan
- First-time buyer
- CT 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)
- 6
Tom GatesNMLS 61691
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- CT 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)
- 7
Trish NguyenNMLS 1430162
CrossCountry Mortgage · Braintree, MA · licensed in 3 states
- Down payment assistance
- Condo
- Non-QM loan
- CT 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 20 years of experience (lender page, 2026-10-09)
- 8
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- CT 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 2010 (per Colorado records)
- States 18 years of experience (lender page, 2026-10-09)
- 9
Tracey JacksonNMLS 113214
Total Mortgage Services · Bethany, CT
- Down payment assistance
- CT 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 Bethany, CT
- 10
Veronica Feliciano-CruzNMLS 624795
JPMorgan Chase Bank (Chase Home Lending) · Bank · Bridgeport, CT
- Down payment assistance
- FHA loan
- VA 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 Bridgeport, CT
- 11
Alex MargulisNMLS 192878
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Down payment assistance
- Jumbo loan
- CT 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)
- 12
Al RapoportNMLS 60865
CrossCountry Mortgage · Union, NJ · licensed in 8 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Real estate investor
- CT 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 2015 (per Florida records)
- 13
Andre YarinaNMLS 1408534
CrossCountry Mortgage · Cleveland, OH · licensed in 35 states
- Down payment assistance
- CT 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 2017 (per Florida records)
- 14
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Down payment assistance
- Condo
- FHA loan
- Jumbo loan
- CT 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)
- 15
Jennifer Marie SmithNMLS 1215018
CrossCountry Mortgage · Orlando, FL · licensed in 12 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- HELOC
- CT 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 2019 (per Florida records)
- 16
Bill LittonNMLS 147060
CrossCountry Mortgage · Chadds Ford, PA · licensed in 27 states
- Down payment assistance
- Jumbo loan
- CT 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 2021 (per Florida records)
- 17
John GnisciNMLS 727328
CrossCountry Mortgage · Sarasota, FL · licensed in 8 states
- Down payment assistance
- Co-op
- VA loan
- FHA loan
- CT 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 2021 (per Florida records)
- 18
James McQuadeNMLS 62601
Embrace Home Loans · Melville, NY · licensed in 7 states
- Down payment assistance
- FHA loan
- USDA loan
- VA loan
- CT 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 23 years of experience (lender page, 2026-10-09)
- 19
Josh NumbersNMLS 218459
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- CT 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)
- 20
Zak RaffelNMLS 1470292
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Down payment assistance
- Condo
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- CT 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)
- 21
Michael SiejaNMLS 64666
CrossCountry Mortgage · Purchase, NY · licensed in 5 states
- Down payment assistance
- Co-op
- CT 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)
- 22
Stephanie MadeuxNMLS 2251240
Embrace Home Loans · Melville, NY · licensed in 4 states
- Down payment assistance
- FHA loan
- USDA loan
- VA loan
- CT 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 10 years of experience (lender page, 2026-10-09)
- 23
Dean ScadutoNMLS 275952
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Down payment assistance
- VA loan
- FHA loan
- First-time buyer
- CT 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 2023 (per Florida records)
- 24
Tony AyalaNMLS 626691
CrossCountry Mortgage · Brooklyn, NY · licensed in 5 states
- Down payment assistance
- Co-op
- Condo
- CT 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 2023 (per Florida records)
- 25
Alyssa CaliendoNMLS 1849915
CrossCountry Mortgage · San Diego, CA · licensed in 8 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- CT 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 2026 (per Florida 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 CT license is confirmed with the state regulator (check mark), CT 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=CT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.