--- canonical_url: https://lendb.ai/s/down-payment-assistance/maryland last_verified: 2026-10-09 --- # Down payment assistance loan officers in Maryland As of 2026-10-09, LenDb lists 74 loan officers licensed in or based in Maryland whose lender pages show Down payment assistance work. The top-ranked are Mark Niosi (CrossCountry Mortgage, Dunkirk), Michelle Greenwalt (First Home Mortgage, Millersville) and Ken Powell (Fairway Independent Mortgage Corporation, Hughesville). Ranking is lender-neutral: specialty evidence first, then a license in MD, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Dunkirk, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 2. **[Michelle Greenwalt](https://lendb.ai/lo/michelle-greenwalt-267729)** (NMLS 267729), First Home Mortgage, Millersville, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Millersville, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Ken Powell](https://lendb.ai/lo/ken-powell-2656628)** (NMLS 2656628), Fairway Independent Mortgage Corporation, Hughesville, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Hughesville, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 10 years of experience (lender page, 2026-10-09) 4. **[Amy Altenburg](https://lendb.ai/lo/amy-altenburg-820600)** (NMLS 820600), Southern Trust Mortgage, Annapolis, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Annapolis, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[Francoise Gonzales](https://lendb.ai/lo/francoise-gonzales-314050)** (NMLS 314050), CrossCountry Mortgage, Columbia, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Columbia, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Marilyn Mikan](https://lendb.ai/lo/marilyn-mikan-589352)** (NMLS 589352), Southern Trust Mortgage, Fayetteville, NC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD 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) 7. **[Danny Hembach](https://lendb.ai/lo/daniel-hembach-1533678)** (NMLS 1533678), Guild Mortgage, Arlington, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 8. **[Nathan Sommers](https://lendb.ai/lo/nathan-sommers-180395)** (NMLS 180395), CrossCountry Mortgage, Forest Hill, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Forest Hill, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 9. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 10. **[Dan Porto](https://lendb.ai/lo/daniel-porto-1491814)** (NMLS 1491814), JPMorgan Chase Bank (Chase Home Lending), Potomac, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Potomac, MD - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2017 (per Florida records) 11. **[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) - MD 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) 12. **[Mike Filan](https://lendb.ai/lo/michael-filan-659409)** (NMLS 659409), CrossCountry Mortgage, Fairfax, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 13. **[Liz McElroy- Filan](https://lendb.ai/lo/elizabeth-mcelroy-659461)** (NMLS 659461), CrossCountry Mortgage, Fairfax, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 14. **[Mark Lynch](https://lendb.ai/lo/mark-lynch-22882)** (NMLS 22882), Guild Mortgage, Winchester, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 15. **[Alex Waters](https://lendb.ai/lo/ryan-waters-1153538)** (NMLS 1153538), First Home Mortgage, Baltimore, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Baltimore, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 16. **[Beth Lewis](https://lendb.ai/lo/beth-lewis-219774)** (NMLS 219774), CrossCountry Mortgage, Evanston, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) - States 18 years of experience (lender page, 2026-10-09) 17. **[Mike Dougherty](https://lendb.ai/lo/mike-dougherty-659210)** (NMLS 659210), Truist Bank, Rockville, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Rockville, MD - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Mike Folkemer](https://lendb.ai/lo/michael-folkemer-783536)** (NMLS 783536), CrossCountry Mortgage, Lebanon, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 19. **[Erika Copeland](https://lendb.ai/lo/erika-copeland-2116314)** (NMLS 2116314), JPMorgan Chase Bank (Chase Home Lending), Bel Air, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bel Air, MD - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2021 (per Florida records) 20. **[Gina Myers](https://lendb.ai/lo/gina-myers-898712)** (NMLS 898712), CrossCountry Mortgage, Fairfax, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[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) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 22. **[Corinne Spartana](https://lendb.ai/lo/corinne-spartana-1965019)** (NMLS 1965019), Fairway Independent Mortgage Corporation, Towson, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Towson, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 6 years of experience (lender page, 2026-10-09) 23. **[Dennis Sullivan](https://lendb.ai/lo/dennis-sullivan-170161)** (NMLS 170161), Southern Trust Mortgage, Annapolis, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Annapolis, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 24. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 25. **[Bizzy Thompson](https://lendb.ai/lo/elizabeth-thompson-2567586)** (NMLS 2567586), First Home Mortgage, Dunkirk, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Dunkirk, MD - MD listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (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/maryland. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._