--- canonical_url: https://lendb.ai/s/down-payment-assistance/massachusetts last_verified: 2026-10-10 --- # 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. ## Ranked, with reasons 1. **[Kate Reagan](https://lendb.ai/lo/kathryn-reagan-19006)** (NMLS 19006), Guild Mortgage, Easthampton, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Easthampton, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 2. **[Denise Peach](https://lendb.ai/lo/denise-peach-41008)** (NMLS 41008), Total Mortgage Services, Leominster, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Leominster, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 3. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Beverly, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) - States 35 years of experience (lender page, 2026-10-09) 4. **[Leo Turco](https://lendb.ai/lo/leo-turco-706769)** (NMLS 706769), CrossCountry Mortgage, Topsfield, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Topsfield, MA - MA 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) 5. **[Trish Nguyen](https://lendb.ai/lo/trish-nguyen-1430162)** (NMLS 1430162), CrossCountry Mortgage, Braintree, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Braintree, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 6. **[Ric Beaudoin](https://lendb.ai/lo/ric-beaudoin-37281)** (NMLS 37281), CrossCountry Mortgage, Salem, NH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 38 years of experience (lender page, 2026-10-09) 7. **[Sara Wescott](https://lendb.ai/lo/sara-wescott-1181982)** (NMLS 1181982), CrossCountry Mortgage, South Portland, ME - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 8. **[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) - MA 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) 9. **[Angel Cordero](https://lendb.ai/lo/angel-cordero-1220249)** (NMLS 1220249), AnnieMac Home Mortgage, Providence, RI - Lists Down payment assistance on lender page (lender page, verified 2026-10-10) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 10. **[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) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[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) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 12. **[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) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 13. **[Rafaela Almeida](https://lendb.ai/lo/rafaela-almeida-1276638)** (NMLS 1276638), JPMorgan Chase Bank (Chase Home Lending), Somerville, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Somerville, MA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Yasmine Turco](https://lendb.ai/lo/yasmine-turco-1938286)** (NMLS 1938286), CrossCountry Mortgage, Topsfield, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Topsfield, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 7 years of experience (lender page, 2026-10-09) 15. **[Marion Crean](https://lendb.ai/lo/marion-crean-629415)** (NMLS 629415), JPMorgan Chase Bank (Chase Home Lending), Boston, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Boston, MA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[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) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 17. **[Bill Litton](https://lendb.ai/lo/william-litton-147060)** (NMLS 147060), CrossCountry Mortgage, Chadds Ford, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 18. **[Beatriz Villalobos](https://lendb.ai/lo/beatriz-villalobos-2175864)** (NMLS 2175864), CrossCountry Mortgage, Sierra Vista, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Adam Kracht](https://lendb.ai/lo/adam-kracht-1218552)** (NMLS 1218552), CrossCountry Mortgage, Doylestown, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Alyssa Caliendo](https://lendb.ai/lo/alyssa-caliendo-1849915)** (NMLS 1849915), CrossCountry Mortgage, San Diego, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 21. **[Kevin Urbansky](https://lendb.ai/lo/kevin-urbansky-2826032)** (NMLS 2826032), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 22. **[Diana Carvajal-Hirsch](https://lendb.ai/lo/diana-carvajal-hirsch-704461)** (NMLS 704461), First Citizens Bank, Cambridge, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Cambridge, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 23. **[Greg Bleyl](https://lendb.ai/lo/gregory-bleyl-117969)** (NMLS 117969), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 24. **[Steven Bueti](https://lendb.ai/lo/steven-bueti-55351)** (NMLS 55351), CrossCountry Mortgage, Purchase, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Trevor McFarland](https://lendb.ai/lo/trevor-mcfarland-38803)** (NMLS 38803), Guild Mortgage, Worcester, MA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Worcester, MA - MA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 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/massachusetts. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._