Loan programs · Massachusetts
Down payment assistance loan officers in Massachusetts
As of 2026-10-10, LenDb lists 28 loan officers licensed in or based in Massachusetts whose lender pages show Down payment assistance work. The top-ranked are Kate Reagan (Guild Mortgage, Easthampton), Denise Peach (Total Mortgage Services, Leominster) and George Koutsos (CrossCountry Mortgage, Beverly). Ranking is lender-neutral: specialty evidence first, then a license in MA, 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
Kate ReaganNMLS 19006
Guild Mortgage · Easthampton, MA · licensed in 7 states
- Down payment assistance
- Self-employed
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Easthampton, MA
- Licensed since 2019 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Denise PeachNMLS 41008
Total Mortgage Services · Leominster, MA · licensed in 2 states
- Down payment assistance
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Leominster, MA
- Licensed since 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 3
George KoutsosNMLS 29613
CrossCountry Mortgage · Beverly, MA · licensed in 15 states
- Down payment assistance
- Jumbo loan
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Beverly, MA
- Licensed since 2013 (per Florida records)
- States 35 years of experience (lender page, 2026-10-09)
- 4
Leo TurcoNMLS 706769
CrossCountry Mortgage · Topsfield, MA · licensed in 4 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Topsfield, MA
- Licensed since 2025 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Trish NguyenNMLS 1430162
CrossCountry Mortgage · Braintree, MA · licensed in 3 states
- Down payment assistance
- Condo
- Non-QM loan
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Braintree, MA
- States 20 years of experience (lender page, 2026-10-09)
- 6
Ric BeaudoinNMLS 37281
CrossCountry Mortgage · Salem, NH · licensed in 3 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- States 38 years of experience (lender page, 2026-10-09)
- 7
Sara WescottNMLS 1181982
CrossCountry Mortgage · South Portland, ME · licensed in 4 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Colorado records)
- States 18 years of experience (lender page, 2026-10-09)
- 9
Angel CorderoNMLS 1220249
AnnieMac Home Mortgage · Providence, RI · licensed in 3 states
- Down payment assistance
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-10)
- Licensed since 2021 (per Florida records)
- 10
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- Physician and medical professional
- HELOC
- Self-employed
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- 11
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 12
Alex MargulisNMLS 192878
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Down payment assistance
- Jumbo loan
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- 13
Rafaela AlmeidaNMLS 1276638
JPMorgan Chase Bank (Chase Home Lending) · Bank · Somerville, MA
- Down payment assistance
- Self-employed
- VA loan
- First-time buyer
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Somerville, MA
- 14
Yasmine TurcoNMLS 1938286
CrossCountry Mortgage · Topsfield, MA · licensed in 3 states
- Down payment assistance
- Non-QM loan
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Topsfield, MA
- States 7 years of experience (lender page, 2026-10-09)
- 15
Marion CreanNMLS 629415
JPMorgan Chase Bank (Chase Home Lending) · Bank · Boston, MA
- Down payment assistance
- VA loan
- FHA loan
- Jumbo loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Boston, MA
- 16
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Down payment assistance
- Condo
- FHA loan
- Jumbo loan
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 17
Bill LittonNMLS 147060
CrossCountry Mortgage · Chadds Ford, PA · licensed in 27 states
- Down payment assistance
- Jumbo loan
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 18
Beatriz VillalobosNMLS 2175864
CrossCountry Mortgage · Sierra Vista, AZ · licensed in 7 states
- Down payment assistance
- Condo
- Construction loan
- Jumbo loan
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- 19
Adam KrachtNMLS 1218552
CrossCountry Mortgage · Doylestown, PA · licensed in 4 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- 20
Alyssa CaliendoNMLS 1849915
CrossCountry Mortgage · San Diego, CA · licensed in 8 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 21
Kevin UrbanskyNMLS 2826032
CrossCountry Mortgage · Cleveland, OH · licensed in 11 states
- Down payment assistance
- FHA loan
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 22
Diana Carvajal-HirschNMLS 704461
First Citizens Bank · Bank · Cambridge, MA
- Down payment assistance
- First-time buyer
- FHA loan
- Physician and medical professional
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Cambridge, MA
- States 20 years of experience (lender page, 2026-10-09)
- 23
Greg BleylNMLS 117969
CrossCountry Mortgage · Cleveland, OH · licensed in 19 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 24
Steven BuetiNMLS 55351
CrossCountry Mortgage · Purchase, NY · licensed in 3 states
- Down payment assistance
- Co-op
- Jumbo loan
- First-time buyer
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- 25
Trevor McFarlandNMLS 38803
Guild Mortgage · Worcester, MA · licensed in 7 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- FHA loan
- MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Worcester, MA
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
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 are listed when a MA license is confirmed with the state regulator (check mark), MA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=down-payment-assistance&state=MA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.