--- canonical_url: https://lendb.ai/s/down-payment-assistance/illinois last_verified: 2026-10-09 --- # Down payment assistance loan officers in Illinois As of 2026-10-09, LenDb lists 122 loan officers licensed in or based in Illinois whose lender pages show Down payment assistance work. The top-ranked are Michael E Vogt (Guild Mortgage, Swansea), Tai Rebecca Cotton (JPMorgan Chase Bank (Chase Home Lending), Evergreen Park) and Kimberly O McCloud (JPMorgan Chase Bank (Chase Home Lending), Homewood). Ranking is lender-neutral: specialty evidence first, then a license in IL, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Michael E Vogt](https://lendb.ai/lo/michael-e-vogt-275381)** (NMLS 275381), Guild Mortgage, Swansea, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Swansea, IL - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 2. **[Tai Rebecca Cotton](https://lendb.ai/lo/tai-rebecca-cotton-428090)** (NMLS 428090), JPMorgan Chase Bank (Chase Home Lending), Evergreen Park, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Evergreen Park, IL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 23 years of experience (lender page, 2026-10-09) 3. **[Kimberly O McCloud](https://lendb.ai/lo/kimberly-o-mccloud-762141)** (NMLS 762141), JPMorgan Chase Bank (Chase Home Lending), Homewood, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Homewood, IL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 24 years of experience (lender page, 2026-10-09) 4. **[Eduardo "Eddie" Galvan](https://lendb.ai/lo/eduardo-eddie-galvan-2509093)** (NMLS 2509093), JPMorgan Chase Bank (Chase Home Lending), Chicago, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Chicago, IL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 18 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) - IL 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. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Arlington Heights, IL - IL 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) 7. **[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) - Office in Frankfort, IL - IL 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) 8. **[Joanne Rogers](https://lendb.ai/lo/joanne-rogers-223618)** (NMLS 223618), CrossCountry Mortgage, Deerfield, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Deerfield, IL - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 9. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Oak Brook, IL - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Kristen Forbes](https://lendb.ai/lo/kristen-forbes-755946)** (NMLS 755946), CrossCountry Mortgage, Hanover Park, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Hanover Park, IL - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 11. **[Chelsea Lentes](https://lendb.ai/lo/chelsea-lentes-1481193)** (NMLS 1481193), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 11 years of experience (lender page, 2026-10-09) 12. **[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) - Office in Evanston, IL - IL 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) 13. **[Patrick J Wirth](https://lendb.ai/lo/patrick-j-wirth-2075869)** (NMLS 2075869), JPMorgan Chase Bank (Chase Home Lending), Wauconda, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Wauconda, IL - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 10 years of experience (lender page, 2026-10-09) 14. **[Jillian Brotan](https://lendb.ai/lo/jillian-brotan-1685151)** (NMLS 1685151), Guild Mortgage, Merrillville, IN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 5 years of experience (lender page, 2026-10-09) 15. **[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) - IL 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) 16. **[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) - IL 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) 17. **[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) - IL 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) 18. **[Teresa Becker](https://lendb.ai/lo/teresa-becker-135991)** (NMLS 135991), CrossCountry Mortgage, Plymouth, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 19. **[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) - IL 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) 20. **[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) - IL 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) 21. **[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) - IL 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) 22. **[Alex Margulis](https://lendb.ai/lo/alexander-margulis-192878)** (NMLS 192878), CrossCountry Mortgage, Chicago, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Chicago, IL - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 23. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 24. **[Adam Garman](https://lendb.ai/lo/adam-garman-124792)** (NMLS 124792), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 25. **[Jon Novetske](https://lendb.ai/lo/jon-novetske-580793)** (NMLS 580793), CrossCountry Mortgage, Ann Arbor, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IL listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) ## 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/illinois. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._