--- canonical_url: https://lendb.ai/s/down-payment-assistance/idaho last_verified: 2026-10-09 --- # Down payment assistance loan officers in Idaho As of 2026-10-09, LenDb lists 45 loan officers licensed in or based in Idaho whose lender pages show Down payment assistance work. The top-ranked are Nancy Siples (Guild Mortgage, Riverside), Shawn Garner (Guild Mortgage, Centennial) and Julie Glassco (CrossCountry Mortgage, Eagle). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Nancy Siples](https://lendb.ai/lo/nancy-herrera-256016)** (NMLS 256016), Guild Mortgage, Riverside, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID 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) 2. **[Shawn Garner](https://lendb.ai/lo/shawn-garner-1035302)** (NMLS 1035302), Guild Mortgage, Centennial, CO - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) 3. **[Julie Glassco](https://lendb.ai/lo/julie-glassco-378177)** (NMLS 378177), CrossCountry Mortgage, Eagle, ID - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Eagle, ID - ID 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) 4. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 5. **[Josiah Paul Shelman](https://lendb.ai/lo/josiah-shelman-1824996)** (NMLS 1824996), Guild Mortgage, Tumwater, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 6. **[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) - ID 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) 7. **[Arthur Buhrer](https://lendb.ai/lo/arthur-buhrer-114080)** (NMLS 114080), CrossCountry Mortgage, Sequim, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 8. **[April Janas](https://lendb.ai/lo/april-janas-299013)** (NMLS 299013), CrossCountry Mortgage, Puyallup, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 9. **[Duane Martin](https://lendb.ai/lo/duane-martin-327181)** (NMLS 327181), CrossCountry Mortgage, Bothell, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID 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) 10. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 11. **[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) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 12. **[Ashlee Shipley](https://lendb.ai/lo/ashlee-shipley-1280022)** (NMLS 1280022), Fairway Independent Mortgage Corporation, Salt Lake City, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Jared Evenson](https://lendb.ai/lo/jared-evenson-104085)** (NMLS 104085), CrossCountry Mortgage, Spokane Valley, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 14. **[Nicole L Norris](https://lendb.ai/lo/nicole-l-norris-2053273)** (NMLS 2053273), JPMorgan Chase Bank (Chase Home Lending), Ammon, ID - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Ammon, ID - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Jordan Donolow](https://lendb.ai/lo/jordan-donolow-389920)** (NMLS 389920), CrossCountry Mortgage, Newport Beach, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 16. **[Skylar Mosher](https://lendb.ai/lo/skylar-mosher-2289859)** (NMLS 2289859), CrossCountry Mortgage, Gig Harbor, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 9 years of experience (lender page, 2026-10-09) 17. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 18. **[Amy Herber](https://lendb.ai/lo/amy-herber-880954)** (NMLS 880954), American Pacific Mortgage, Eagle, ID - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Eagle, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 19. **[Amanda Eaton](https://lendb.ai/lo/amanda-eaton-991933)** (NMLS 991933), Guild Mortgage, Maple Valley, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Kody Condie](https://lendb.ai/lo/kody-condie-1742865)** (NMLS 1742865), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Colorado records) 21. **[Aaron Abed](https://lendb.ai/lo/aaron-abed-335548)** (NMLS 335548), CrossCountry Mortgage, Bloomington, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 22. **[Jessica Willis](https://lendb.ai/lo/jessica-willis-1402202)** (NMLS 1402202), American Pacific Mortgage, Eagle, ID - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Eagle, ID - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[John King](https://lendb.ai/lo/john-king-453426)** (NMLS 453426), CrossCountry Mortgage, Roseville, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 24. **[Jamie Larrigan](https://lendb.ai/lo/jamie-larrigan-132237)** (NMLS 132237), CrossCountry Mortgage, Bothell, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 25. **[Michael Smalley](https://lendb.ai/lo/michael-smalley-289846)** (NMLS 289846), CrossCountry Mortgage, Winter Park, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) ## 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/idaho. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._