Loan programs · Maryland
Down payment assistance loan officers in Maryland
As of 2026-10-09, LenDb lists 75 loan officers licensed in or based in Maryland whose lender pages show Down payment assistance work. The top-ranked are Ken Powell (Fairway Independent Mortgage Corporation, Hughesville), Mark Niosi (CrossCountry Mortgage, Dunkirk) and Nathan Sommers (CrossCountry Mortgage, Forest Hill). Ranking is lender-neutral: specialty evidence first, then a license in MD, 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
Ken PowellNMLS 2656628
Fairway Independent Mortgage Corporation · Hughesville, MD · licensed in 2 states
- Down payment assistance
- Self-employed
- VA loan
- Foreign national
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 10 years experience (stated on lender page, 2026-10-09)
- 2
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- Down payment assistance
- Low credit score
- First-time buyer
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 5 years licensed
- 3
Nathan SommersNMLS 180395
CrossCountry Mortgage · Forest Hill, MD · licensed in 7 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 3 years licensed
- 4
Marilyn MikanNMLS 589352
Southern Trust Mortgage · Fayetteville, NC · licensed in 6 states
- Down payment assistance
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Alex WatersNMLS 1153538
First Home Mortgage · Baltimore, MD · licensed in 3 states
- Down payment assistance
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
- 6
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 MD (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
- 7
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 3 years licensed
- 8
Corinne SpartanaNMLS 1965019
Fairway Independent Mortgage Corporation · Towson, MD · licensed in 9 states
- Down payment assistance
- First-time buyer
- FHA loan
- New construction
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 6 years licensed
- 9
Bizzy ThompsonNMLS 2567586
First Home Mortgage · Dunkirk, MD · licensed in 4 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 1 years licensed
- 10
Dennis SullivanNMLS 170161
Southern Trust Mortgage · Annapolis, MD · licensed in 12 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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
- 11
Erin JohnsonNMLS 215208
First Home Mortgage · La Plata, MD · licensed in 6 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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 0 years licensed
- 12
Marty WallaceNMLS 1390066
First Home Mortgage · Annapolis, MD · licensed in 5 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Self-employed
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- No disciplinary actions on file at LenDb
- 13
Jason GasiorNMLS 177543
Southern Trust Mortgage · Bel Air, MD · licensed in 2 states
- Down payment assistance
- First-time buyer
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- No disciplinary actions on file at LenDb
- 14
Amy AltenburgNMLS 820600
Southern Trust Mortgage · Annapolis, MD · licensed in 7 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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 4 years licensed
- 15
Gina MyersNMLS 898712
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Down payment assistance
- Non-QM loan
- VA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
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 MD (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 17
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 18
Bethany LaumanNMLS 2400390
Southern Trust Mortgage · Annapolis, MD · licensed in 4 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 MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 2 years licensed
- 19
Danny HembachNMLS 1533678
Guild Mortgage · Arlington, VA · 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 MD (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 20
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 MD (listed on lender page, verified 2026-10-09)
- 13 years licensed
- No disciplinary actions on file at LenDb
- 21
Mike FilanNMLS 659409
CrossCountry Mortgage · Fairfax, VA · licensed in 8 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 22
Liz McElroy- FilanNMLS 659461
CrossCountry Mortgage · Fairfax, VA · licensed in 4 states
- Down payment assistance
- Self-employed
- Non-QM loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 23
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 MD (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 24
Francoise GonzalesNMLS 314050
CrossCountry Mortgage · Columbia, MD · licensed in 4 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- Branch in Maryland
- 1 years licensed
- 25
Mark LynchNMLS 22882
Guild Mortgage · Winchester, VA · licensed in 6 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MD (listed on lender page, verified 2026-10-09)
- 7 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 MD 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=MD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.