Loan programs · Iowa
Down payment assistance loan officers in Iowa
As of 2026-10-09, LenDb lists 20 loan officers licensed in or based in Iowa whose lender pages show Down payment assistance work. The top-ranked are Iris Legaspi (First Citizens Bank, San Diego), John Higdon (Guild Mortgage, Waterloo) and Ellie Breitbach (Guild Mortgage, Prior Lake). Ranking is lender-neutral: specialty evidence first, then a license in IA, 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 20
- 1
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
John HigdonNMLS 929683
Guild Mortgage · Waterloo, IA · licensed in 8 states
- Down payment assistance
- FHA loan
- First-time buyer
- USDA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- Branch in Iowa
- 6 years licensed
- 3
Ellie BreitbachNMLS 1849568
Guild Mortgage · Prior Lake, MN · licensed in 4 states
- Down payment assistance
- FHA loan
- USDA loan
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 4
Kurt DoyNMLS 581931
Guild Mortgage · Oswego, IL · licensed in 6 states
- Down payment assistance
- FHA loan
- VA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 5
Jason MeiningerNMLS 1679848
Guild Mortgage · Hannibal, MO · licensed in 7 states
- Down payment assistance
- FHA loan
- First-time buyer
- USDA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 6
Erin TrescottNMLS 457124
Guild Mortgage · Omaha, NE · licensed in 2 states
- Down payment assistance
- First-time buyer
- USDA loan
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 24 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Holly LucaNMLS 586712
Loan Factory · licensed in 4 states
- Down payment assistance
- Construction loan
- DSCR loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 8
Alissa PenkavaNMLS 720725
Union Home Mortgage · Albert Lea, MN · licensed in 2 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Alex MargulisNMLS 192878
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Down payment assistance
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 13 years licensed
- No disciplinary actions on file at LenDb
- 10
Jenna MooreNMLS 890066
Guild Mortgage · Hannibal, MO · licensed in 3 states
- Down payment assistance
- FHA loan
- First-time buyer
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 11
Juan Agustin FleitasNMLS 219823
CrossCountry Mortgage · Berwyn, IL · licensed in 11 states
- Down payment assistance
- Non-QM loan
- VA loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 12
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Down payment assistance
- Jumbo loan
- Real estate investor
- USDA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 13
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Down payment assistance
- Condo
- FHA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 14
Matt BarrettNMLS 258528
Intercap Lending · Cottonwood Heights, UT · licensed in 19 states
- Down payment assistance
- FHA loan
- Real estate investor
- USDA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 15
Aaron AbedNMLS 335548
CrossCountry Mortgage · Bloomington, MN · licensed in 18 states
- Down payment assistance
- VA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 16
Shane StaplesNMLS 1296290
NFM Lending · Tempe, AZ · licensed in 11 states
- Down payment assistance
- New construction
- FHA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 17
Bridget IscheNMLS 480187
Guild Mortgage · Prior Lake, MN · licensed in 7 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Vacation home
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 18
Manen PanNMLS 1006352
First Citizens Bank · Pasadena, CA · licensed in 32 states
- Down payment assistance
- Real estate investor
- Construction loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Teyona StewartNMLS 2215853
First Citizens Bank · La Jolla, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- FHA loan
- HELOC
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 20
Lisa BrodersenNMLS 1181672
Guild Mortgage · Omaha, NE · licensed in 5 states
- Down payment assistance
- VA loan
- FHA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in IA (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
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 must be licensed in IA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=down-payment-assistance&state=IA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.