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Loan programs · Kentucky

Down payment assistance loan officers in Kentucky

As of 2026-10-09, LenDb lists 47 loan officers licensed in or based in Kentucky whose lender pages show Down payment assistance work. The top-ranked are Jason Heflin (CrossCountry Mortgage, Lexington), Whitney King (JPMorgan Chase Bank (Chase Home Lending), Louisville) and Agostino (Augie) Iacono (Barrett Financial Group, Brookfield). Ranking is lender-neutral: specialty evidence first, then a license in KY, 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 25

  1. 1

    Jason HeflinNMLS 338565

    CrossCountry Mortgage · Lexington, KY

    • Down payment assistance
    • Real estate investor
    • VA loan
    • First-time buyer
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • Branch in Kentucky
    • 28 years experience (stated on lender page, 2026-10-09)
  2. 2

    Whitney KingNMLS 2094676

    JPMorgan Chase Bank (Chase Home Lending) · Louisville, KY

    • 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 KY (listed on lender page, verified 2026-10-09)
    • Branch in Kentucky
    • No disciplinary actions on file at LenDb
  3. 3

    Agostino (Augie) IaconoNMLS 283725

    Barrett Financial Group · Mortgage broker · Brookfield, WI · licensed in 11 states

    • Down payment assistance
    • Bank statement loan
    • FHA loan
    • Jumbo loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Stuart SpaltNMLS 244693

    CrossCountry Mortgage · Columbus, OH · licensed in 5 states

    • Down payment assistance
    • First-time buyer
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Edwin SantiagoNMLS 133618

    CrossCountry Mortgage · Wayne, PA · licensed in 23 states

    • Down payment assistance
    • First-time buyer
    • Non-QM loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Beth GarrettNMLS 782760

    Ruoff Mortgage · licensed in 2 states

    • Down payment assistance
    • First-time buyer
    • Low credit score
    • New construction
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 11 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    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 KY (listed on lender page, verified 2026-10-09)
    • 13 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Rodney MullinsNMLS 20486

    Union Home Mortgage · Tampa, FL · licensed in 4 states

    • Down payment assistance
    • Low credit score
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Racee GreeneNMLS 1097316

    Ruoff Mortgage · licensed in 4 states

    • Down payment assistance
    • First-time buyer
    • VA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Monica CentenoNMLS 1100009

    Guild Mortgage · Henderson, NV · licensed in 33 states

    • Down payment assistance
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Trevor CobbNMLS 1582684

    Highlands Residential Mortgage · Brentwood, TN · licensed in 8 states

    • Down payment assistance
    • USDA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Katelyn WatkinsNMLS 2123084

    CrossCountry Mortgage · Lexington, KY

    • Down payment assistance
    • Non-QM loan
    • Real estate investor
    • First-time buyer
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • Branch in Kentucky
    • No disciplinary actions on file at LenDb
  13. 13

    Todd LilloNMLS 224237

    Union Home Mortgage · Norwalk, OH · licensed in 10 states

    • Down payment assistance
    • FHA loan
    • First-time buyer
    • VA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    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 KY (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Laura MullenNMLS 500688

    Ruoff Mortgage · 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 KY (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Cindy OlveraNMLS 1028806

    Guild Mortgage · Aurora, IL · licensed in 14 states

    • Down payment assistance
    • VA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Andre YarinaNMLS 1408534

    CrossCountry Mortgage · Cleveland, OH · licensed in 35 states

    • Down payment assistance
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Tyler BergNMLS 1681256

    CrossCountry Mortgage · Columbus, OH · licensed in 16 states

    • Down payment assistance
    • Jumbo loan
    • VA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Tim SchillingNMLS 1830708

    CrossCountry Mortgage · Columbus, OH · licensed in 5 states

    • Down payment assistance
    • VA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Nathan SolidayNMLS 166402

    Success Mortgage Partners · Sellersburg, IN · licensed in 3 states

    • Down payment assistance
    • First-time buyer
    • USDA loan
    • FHA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 13 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Nick AngeloNMLS 1572973

    Guild Mortgage · Miamisburg, OH · licensed in 7 states

    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Chris DraneNMLS 19621

    Guild Mortgage · Clarksville, IN · licensed in 5 states

    • Down payment assistance
    • First-time buyer
    • Manufactured home
    • Non-QM loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Jason SmithNMLS 210839

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states

    • Down payment assistance
    • Jumbo loan
    • Non-QM loan
    • VA loan
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Vasiliy KorchevoyNMLS 1074423

    CrossCountry Mortgage · Roseville, CA · licensed in 7 states

    • Down payment assistance
    • Construction loan
    • Non-QM loan
    • Renovation loan (203k / HomeStyle)
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Cori DrudgeNMLS 229643

    Ruoff Mortgage · Fishers, IN · licensed in 8 states

    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (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?

More about Down payment assistance

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 KY 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=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.