Loan programs · Georgia
Down payment assistance loan officers in Georgia
As of 2026-10-09, LenDb lists 105 loan officers licensed in or based in Georgia whose lender pages show Down payment assistance work. The top-ranked are Terilyn Nicely (CrossCountry Mortgage, Kathleen), Mark Niosi (CrossCountry Mortgage, Dunkirk) and Charla Smith (CrossCountry Mortgage, Loganville). Ranking is lender-neutral: specialty evidence first, then a license in GA, 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
Terilyn NicelyNMLS 973893
CrossCountry Mortgage · Kathleen, GA · licensed in 3 states
- Down payment assistance
- VA loan
- Non-QM loan
- GA 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 Kathleen, GA
- Licensed since 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 2
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- Down payment assistance
- Low credit score
- First-time buyer
- Real estate investor
- GA 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)
- 3
Charla SmithNMLS 1651741
CrossCountry Mortgage · Loganville, GA · licensed in 3 states
- Down payment assistance
- First-time buyer
- GA 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 Loganville, GA
- States 20 years of experience (lender page, 2026-10-09)
- 4
John HigdonNMLS 929683
Guild Mortgage · Waterloo, IA · licensed in 8 states
- Down payment assistance
- First-time buyer
- Renovation loan (203k / HomeStyle)
- GA 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 14 years of experience (lender page, 2026-10-09)
- 5
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- GA 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)
- 6
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- Down payment assistance
- First-time buyer
- GA 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)
- 7
Marilyn MikanNMLS 589352
Southern Trust Mortgage · Fayetteville, NC · licensed in 6 states
- Down payment assistance
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- GA 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 25 years of experience (lender page, 2026-10-09)
- 8
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Down payment assistance
- GA 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)
- 9
Danny HembachNMLS 1533678
Guild Mortgage · Arlington, VA · licensed in 5 states
- Down payment assistance
- First-time buyer
- GA 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 10 years of experience (lender page, 2026-10-09)
- 10
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
- GA 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)
- 11
Brittany BrooksNMLS 1647203
Guild Mortgage · Warner Robins, GA · licensed in 2 states
- Down payment assistance
- First-time buyer
- GA 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 Warner Robins, GA
- Licensed since 2023 (per Florida records)
- 12
Khadija RiveraNMLS 2011421
Loan Factory · Mortgage broker · Georgia
- Down payment assistance
- GA 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 Georgia
- Licensed since 2021 (per Florida records)
- 13
Jeremy EvansNMLS 1294146
First Heritage Mortgage · licensed in 3 states
- Down payment assistance
- GA 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)
- 14
Desirae CampbellNMLS 2553094
Guild Mortgage · Warner Robins, GA
- Down payment assistance
- First-time buyer
- GA 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 Warner Robins, GA
- 15
Mia IbruljNMLS 455210
JPMorgan Chase Bank (Chase Home Lending) · Bank · Dacula, GA
- Down payment assistance
- VA loan
- FHA loan
- Self-employed
- 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 Dacula, GA
- Licensed since 2018 (per Florida records)
- 16
George KoutsosNMLS 29613
CrossCountry Mortgage · Beverly, MA · licensed in 15 states
- Down payment assistance
- Jumbo loan
- First-time buyer
- GA 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)
- 17
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- GA 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)
- 18
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- GA 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 22 years of experience (lender page, 2026-10-09)
- 19
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- VA loan
- GA 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)
- 20
Brian SewellNMLS 212085
Guild Mortgage · Frankfort, IL · licensed in 6 states
- Down payment assistance
- First-time buyer
- Physician and medical professional
- Real estate investor
- GA 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)
- 21
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Down payment assistance
- Jumbo loan
- Real estate investor
- USDA loan
- GA 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)
- States 21 years of experience (lender page, 2026-10-09)
- 22
Michael AliNMLS 526283
CrossCountry Mortgage · Birmingham, AL · licensed in 2 states
- Down payment assistance
- Construction loan
- Renovation loan (203k / HomeStyle)
- GA 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 25 years of experience (lender page, 2026-10-09)
- 23
Trish NguyenNMLS 1430162
CrossCountry Mortgage · Braintree, MA · licensed in 3 states
- Down payment assistance
- Condo
- Non-QM loan
- GA 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)
- 24
Michael HamiltonNMLS 2237575
CrossCountry Mortgage · Niles, OH · licensed in 5 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- GA 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)
- 25
Mark RamosNMLS 216938
CrossCountry Mortgage · Toms River, NJ · licensed in 6 states
- Down payment assistance
- First-time buyer
- GA 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 18 years of experience (lender page, 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 GA license is confirmed with the state regulator (check mark), GA 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=GA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.