--- canonical_url: https://lendb.ai/s/down-payment-assistance/iowa last_verified: 2026-10-09 --- # Down payment assistance loan officers in Iowa As of 2026-10-09, LenDb lists 22 loan officers licensed in or based in Iowa whose lender pages show Down payment assistance work. The top-ranked are John Higdon (Guild Mortgage, Waterloo), Alissa Penkava (Union Home Mortgage, Albert Lea) and Coley Rau (CrossCountry Mortgage, Bryan). Ranking is lender-neutral: specialty evidence first, then a license in IA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[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) - Office in Waterloo, IA - IA 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) 2. **[Alissa Penkava](https://lendb.ai/lo/alissa-penkava-720725)** (NMLS 720725), Union Home Mortgage, Albert Lea, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 12 years of experience (lender page, 2026-10-09) 3. **[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) - IA 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) 4. **[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) - IA 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) 5. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 6. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 7. **[Ellie Breitbach](https://lendb.ai/lo/elizabeth-breitbach-1849568)** (NMLS 1849568), Guild Mortgage, Prior Lake, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 8. **[Jenna Moore](https://lendb.ai/lo/jenna-moore-890066)** (NMLS 890066), Guild Mortgage, Hannibal, MO - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Juan Agustin Fleitas](https://lendb.ai/lo/juan-fleitas-219823)** (NMLS 219823), CrossCountry Mortgage, Berwyn, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 10. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 11. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 12. **[Tyler Berg](https://lendb.ai/lo/tyler-berg-1681256)** (NMLS 1681256), CrossCountry Mortgage, Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 13. **[Don Williams](https://lendb.ai/lo/donald-williams-1031805)** (NMLS 1031805), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 14. **[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) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 15. **[Bill Litton](https://lendb.ai/lo/william-litton-147060)** (NMLS 147060), CrossCountry Mortgage, Chadds Ford, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 16. **[Lacey Moores](https://lendb.ai/lo/lacey-moores-681629)** (NMLS 681629), CrossCountry Mortgage, Lees Summit, MO - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 17. **[Bruce Biggers](https://lendb.ai/lo/bruce-biggers-227665)** (NMLS 227665), CrossCountry Mortgage, Chicago, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 18. **[Alicia Norwood](https://lendb.ai/lo/alicia-norwood-1440209)** (NMLS 1440209), CrossCountry Mortgage, Charlotte, NC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Julian Bednar](https://lendb.ai/lo/julian-bednar-1752492)** (NMLS 1752492), CrossCountry Mortgage, Owatonna, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Erin Trescott](https://lendb.ai/lo/erin-trescott-457124)** (NMLS 457124), Guild Mortgage, Omaha, NE - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Bridget Ische](https://lendb.ai/lo/bridget-ische-480187)** (NMLS 480187), Guild Mortgage, Prior Lake, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - IA 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/iowa. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._