--- canonical_url: https://lendb.ai/s/down-payment-assistance/kentucky last_verified: 2026-10-09 --- # Down payment assistance loan officers in Kentucky As of 2026-10-09, LenDb lists 42 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), Rodney Mullins (Union Home Mortgage, Tampa) and Edwin Santiago (CrossCountry Mortgage, Wayne). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jason Heflin](https://lendb.ai/lo/jason-heflin-338565)** (NMLS 338565), CrossCountry Mortgage, Lexington, KY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Lexington, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 2. **[Rodney Mullins](https://lendb.ai/lo/rodney-mullins-20486)** (NMLS 20486), Union Home Mortgage, Tampa, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 3. **[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) - KY 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) 4. **[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) - KY 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) 5. **[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) - KY 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) 6. **[Cori Drudge](https://lendb.ai/lo/cori-drudge-229643)** (NMLS 229643), Ruoff Mortgage, Fishers, IN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 27 years of experience (lender page, 2026-10-09) 7. **[Whitney King](https://lendb.ai/lo/whitney-king-2094676)** (NMLS 2094676), JPMorgan Chase Bank (Chase Home Lending), Louisville, KY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Louisville, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Stuart Spalt](https://lendb.ai/lo/stuart-spalt-244693)** (NMLS 244693), CrossCountry Mortgage, Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 9. **[Beth Garrett](https://lendb.ai/lo/beth-garrett-782760)** (NMLS 782760), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY 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) 10. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 11. **[Racee Greene](https://lendb.ai/lo/rachelle-greene-1097316)** (NMLS 1097316), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 12. **[Onur Camur](https://lendb.ai/lo/onur-camur-1254772)** (NMLS 1254772), JPMorgan Chase Bank (Chase Home Lending), Lexington, KY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Lexington, KY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 13. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 14. **[Aimee Thomas](https://lendb.ai/lo/aimee-thomas-426208)** (NMLS 426208), JPMorgan Chase Bank (Chase Home Lending), Louisville, KY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Louisville, KY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Cindy Darnall Johnson](https://lendb.ai/lo/cindy-darnall-johnson-443616)** (NMLS 443616), JPMorgan Chase Bank (Chase Home Lending), Louisville, KY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Louisville, KY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Andre Hostetler](https://lendb.ai/lo/andre-hostetler-816733)** (NMLS 816733), JPMorgan Chase Bank (Chase Home Lending), Bowling Green, KY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bowling Green, KY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Trevor Cobb](https://lendb.ai/lo/trevor-cobb-1582684)** (NMLS 1582684), Highlands Residential Mortgage, Brentwood, TN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 18. **[Alexis Varga](https://lendb.ai/lo/alexis-varga-1473179)** (NMLS 1473179), CrossCountry Mortgage, Chicago, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) - States 10 years of experience (lender page, 2026-10-09) 19. **[Nathan Soliday](https://lendb.ai/lo/michael-soliday-166402)** (NMLS 166402), Success Mortgage Partners, Sellersburg, IN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 20. **[Laura Mullen](https://lendb.ai/lo/laura-mullen-500688)** (NMLS 500688), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 21. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 22. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 23. **[Samantha Bayless](https://lendb.ai/lo/samantha-bayless-460970)** (NMLS 460970), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 19 years of experience (lender page, 2026-10-09) 24. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 25. **[Gene Cooney](https://lendb.ai/lo/gene-cooney-438579)** (NMLS 438579), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 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/kentucky. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._