Loan programs · Delaware
Down payment assistance loan officers in Delaware
As of 2026-10-09, LenDb lists 28 loan officers licensed in or based in Delaware whose lender pages show Down payment assistance work. The top-ranked are Mark Niosi (CrossCountry Mortgage, Dunkirk), Michelle Greenwalt (First Home Mortgage, Millersville) and Amy Altenburg (Southern Trust Mortgage, Annapolis). Ranking is lender-neutral: specialty evidence first, then a license in DE, 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
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- Down payment assistance
- Low credit score
- First-time buyer
- Real estate investor
- DE 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 2020 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 2
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- Down payment assistance
- First-time buyer
- DE 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 20 years of experience (lender page, 2026-10-09)
- 3
Amy AltenburgNMLS 820600
Southern Trust Mortgage · Annapolis, MD · licensed in 7 states
- Down payment assistance
- First-time buyer
- Real estate investor
- DE 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 20 years of experience (lender page, 2026-10-09)
- 4
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Down payment assistance
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- DE 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)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- DE 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 Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 6
Nathan SommersNMLS 180395
CrossCountry Mortgage · Forest Hill, MD · licensed in 7 states
- Down payment assistance
- DE 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)
- 7
Mike FolkemerNMLS 783536
CrossCountry Mortgage · Lebanon, PA · licensed in 3 states
- Down payment assistance
- DE 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 18 years of experience (lender page, 2026-10-09)
- 8
Gina MyersNMLS 898712
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Down payment assistance
- Non-QM loan
- VA loan
- First-time buyer
- DE 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)
- 9
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- DE 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 2018 (per Florida records)
- 10
Tom LutzNMLS 135170
Guild Mortgage · York, PA · licensed in 4 states
- Down payment assistance
- FHA loan
- DE 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 30 years of experience (lender page, 2026-10-09)
- 11
Corinne SpartanaNMLS 1965019
Fairway Independent Mortgage Corporation · Towson, MD · licensed in 9 states
- Down payment assistance
- First-time buyer
- FHA loan
- New construction
- DE 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 2020 (per Florida records)
- States 6 years of experience (lender page, 2026-10-09)
- 12
Dennis SullivanNMLS 170161
Southern Trust Mortgage · Annapolis, MD · licensed in 12 states
- Down payment assistance
- FHA loan
- USDA loan
- VA loan
- DE 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)
- 13
Andre YarinaNMLS 1408534
CrossCountry Mortgage · Cleveland, OH · licensed in 35 states
- Down payment assistance
- DE 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
Marty WallaceNMLS 1390066
First Home Mortgage · Annapolis, MD · licensed in 5 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Self-employed
- DE 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)
- 15
Bill LittonNMLS 147060
CrossCountry Mortgage · Chadds Ford, PA · licensed in 27 states
- Down payment assistance
- Jumbo loan
- DE 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)
- 16
DJ SuteraNMLS 2037669
CrossCountry Mortgage · West Chester, PA · licensed in 5 states
- Down payment assistance
- Jumbo loan
- First-time buyer
- DE 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)
- 17
Kyle SuteraNMLS 1390366
CrossCountry Mortgage · West Chester, PA · licensed in 4 states
- Down payment assistance
- Jumbo loan
- First-time buyer
- DE 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)
- 18
Adam KrachtNMLS 1218552
CrossCountry Mortgage · Doylestown, PA · licensed in 4 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- DE 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)
- 19
Alicia NorwoodNMLS 1440209
CrossCountry Mortgage · Charlotte, NC · licensed in 14 states
- Down payment assistance
- Construction loan
- Renovation loan (203k / HomeStyle)
- First-time buyer
- DE 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)
- 20
Greg BleylNMLS 117969
CrossCountry Mortgage · Cleveland, OH · licensed in 19 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- DE 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)
- 21
Sachaney MillsNMLS 1655431
CrossCountry Mortgage · Philadelphia, PA · licensed in 4 states
- Down payment assistance
- Condo
- Jumbo loan
- Non-QM loan
- DE 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)
- 22
Mark GandmanNMLS 2747270
CrossCountry Mortgage · Denville, NJ · licensed in 5 states
- Down payment assistance
- FHA loan
- First-time buyer
- DE 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)
- 23
Theresa MiglinoNMLS 453791
Embrace Home Loans · Wilmington, DE · licensed in 4 states
- Down payment assistance
- First-time buyer
- New construction
- FHA loan
- DE 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 Wilmington, DE
- 24
Gary EubanksNMLS 794607
TowneBank Mortgage · Bank · Birmingham, AL · licensed in 17 states
- Down payment assistance
- DE 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)
- 25
Shane GuntherNMLS 1375134
First Home Mortgage · Easton, MD · licensed in 4 states
- Down payment assistance
- First-time buyer
- FHA loan
- Jumbo loan
- DE 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)
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 DE license is confirmed with the state regulator (check mark), DE 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=DE. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.