--- canonical_url: https://lendb.ai/s/down-payment-assistance/delaware last_verified: 2026-10-09 --- # Down payment assistance loan officers in Delaware As of 2026-10-09, LenDb lists 21 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 Billy McElroy (CrossCountry Mortgage, Sewell). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 2. **[Michelle Greenwalt](https://lendb.ai/lo/michelle-greenwalt-267729)** (NMLS 267729), First Home Mortgage, Millersville, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 4. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 5. **[Nathan Sommers](https://lendb.ai/lo/nathan-sommers-180395)** (NMLS 180395), CrossCountry Mortgage, Forest Hill, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 6. **[Mike Folkemer](https://lendb.ai/lo/michael-folkemer-783536)** (NMLS 783536), CrossCountry Mortgage, Lebanon, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 7. **[Gina Myers](https://lendb.ai/lo/gina-myers-898712)** (NMLS 898712), CrossCountry Mortgage, Fairfax, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Monica Centeno](https://lendb.ai/lo/monica-centeno-1100009)** (NMLS 1100009), Guild Mortgage, Henderson, NV - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 9. **[Tom Lutz](https://lendb.ai/lo/thomas-lutz-135170)** (NMLS 135170), Guild Mortgage, York, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 10. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 11. **[Bill Litton](https://lendb.ai/lo/william-litton-147060)** (NMLS 147060), CrossCountry Mortgage, Chadds Ford, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 12. **[DJ Sutera](https://lendb.ai/lo/dylan-sutera-2037669)** (NMLS 2037669), CrossCountry Mortgage, West Chester, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 13. **[Kyle Sutera](https://lendb.ai/lo/kyle-sutera-1390366)** (NMLS 1390366), CrossCountry Mortgage, West Chester, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 14. **[Adam Kracht](https://lendb.ai/lo/adam-kracht-1218552)** (NMLS 1218552), CrossCountry Mortgage, Doylestown, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Alicia Norwood](https://lendb.ai/lo/alicia-norwood-1440209)** (NMLS 1440209), CrossCountry Mortgage, Charlotte, NC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Greg Bleyl](https://lendb.ai/lo/gregory-bleyl-117969)** (NMLS 117969), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 17. **[Sachaney Mills](https://lendb.ai/lo/sachaney-mills-1655431)** (NMLS 1655431), CrossCountry Mortgage, Philadelphia, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Mark Gandman](https://lendb.ai/lo/mark-gandman-2747270)** (NMLS 2747270), CrossCountry Mortgage, Denville, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Amanda Broomall](https://lendb.ai/lo/amanda-broomall-900029)** (NMLS 900029), Guild Mortgage, Middletown, DE - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Middletown, DE - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 20. **[Mike Morris](https://lendb.ai/lo/mike-morris-476379)** (NMLS 476379), Guild Mortgage, Fairfax, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE 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) 21. **[Katy Sychterz](https://lendb.ai/lo/katy-sychterz-183951)** (NMLS 183951), Guild Mortgage, Lancaster, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - DE listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/delaware. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._