--- canonical_url: https://lendb.ai/s/down-payment-assistance/georgia last_verified: 2026-10-09 --- # Down payment assistance loan officers in Georgia As of 2026-10-09, LenDb lists 82 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 Michelle Greenwalt (First Home Mortgage, Millersville). Ranking is lender-neutral: specialty evidence first, then a license in GA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Terilyn Nicely](https://lendb.ai/lo/terilyn-nicely-973893)** (NMLS 973893), CrossCountry Mortgage, Kathleen, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Kathleen, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 2. **[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) - GA 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) 3. **[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) - GA 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) 4. **[Charla Smith](https://lendb.ai/lo/charla-smith-1651741)** (NMLS 1651741), CrossCountry Mortgage, Loganville, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Loganville, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 5. **[John Higdon](https://lendb.ai/lo/john-higdon-929683)** (NMLS 929683), Guild Mortgage, Waterloo, IA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 6. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 7. **[Danny Hembach](https://lendb.ai/lo/daniel-hembach-1533678)** (NMLS 1533678), Guild Mortgage, Arlington, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 8. **[Brittany Brooks](https://lendb.ai/lo/erin-brooks-1647203)** (NMLS 1647203), Guild Mortgage, Warner Robins, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Warner Robins, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 9. **[Khadija Rivera](https://lendb.ai/lo/khadija-rivera-2011421)** (NMLS 2011421), Loan Factory, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Georgia - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 10. **[Racee Greene](https://lendb.ai/lo/rachelle-greene-1097316)** (NMLS 1097316), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 11. **[Desirae Campbell](https://lendb.ai/lo/desirae-campbell-2553094)** (NMLS 2553094), Guild Mortgage, Warner Robins, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Warner Robins, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Mia Ibrulj](https://lendb.ai/lo/mia-ibrulj-455210)** (NMLS 455210), JPMorgan Chase Bank (Chase Home Lending), Dacula, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Dacula, GA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2018 (per Florida records) 13. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 14. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 15. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 16. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 17. **[Brian Sewell](https://lendb.ai/lo/brian-sewell-212085)** (NMLS 212085), Guild Mortgage, Frankfort, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA 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) 18. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 19. **[Michael Ali](https://lendb.ai/lo/shellie-ali-526283)** (NMLS 526283), CrossCountry Mortgage, Birmingham, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 20. **[Trish Nguyen](https://lendb.ai/lo/trish-nguyen-1430162)** (NMLS 1430162), CrossCountry Mortgage, Braintree, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 21. **[Michael Hamilton](https://lendb.ai/lo/michael-hamilton-2237575)** (NMLS 2237575), CrossCountry Mortgage, Niles, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA 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) 22. **[Mark Ramos](https://lendb.ai/lo/mark-ramos-216938)** (NMLS 216938), CrossCountry Mortgage, Toms River, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 23. **[Beth Lewis](https://lendb.ai/lo/beth-lewis-219774)** (NMLS 219774), CrossCountry Mortgage, Evanston, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) - States 18 years of experience (lender page, 2026-10-09) 24. **[Mallory McGee](https://lendb.ai/lo/mallory-mcgee-2312703)** (NMLS 2312703), Union Home Mortgage, Savannah, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Savannah, GA - GA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - GA 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/georgia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._