Loan programs · Michigan
Down payment assistance loan officers in Michigan
As of 2026-10-09, LenDb lists 72 loan officers licensed in or based in Michigan whose lender pages show Down payment assistance work. The top-ranked are Terryl D Lewis (JPMorgan Chase Bank (Chase Home Lending), Detroit), Teresa Becker (CrossCountry Mortgage, Plymouth) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in MI, 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
Terryl D LewisNMLS 2007065
JPMorgan Chase Bank (Chase Home Lending) · Bank · Detroit, MI
- Down payment assistance
- VA loan
- FHA loan
- Self-employed
- 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 Detroit, MI
- States 15 years of experience (lender page, 2026-10-09)
- 2
Teresa BeckerNMLS 135991
CrossCountry Mortgage · Plymouth, MI · licensed in 2 states
- Down payment assistance
- First-time buyer
- MI 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 Plymouth, MI
- States 40 years of experience (lender page, 2026-10-09)
- 3
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- MI 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 17 years of experience (lender page, 2026-10-09)
- 4
Jon NovetskeNMLS 580793
CrossCountry Mortgage · Ann Arbor, MI · licensed in 2 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- MI 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 Ann Arbor, MI
- States 18 years of experience (lender page, 2026-10-09)
- 5
Chris DennisonNMLS 850828
Churchill Mortgage · Wyoming, MI · licensed in 3 states
- Down payment assistance
- First-time buyer
- Real estate investor
- MI 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 Wyoming, MI
- States 10 years of experience (lender page, 2026-10-09)
- 6
Traci AndersonNMLS 178289
CrossCountry Mortgage · Plymouth, MI
- Down payment assistance
- Non-QM loan
- First-time buyer
- MI 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 Plymouth, MI
- States 17 years of experience (lender page, 2026-10-09)
- 7
Jamie DerringerNMLS 1399263
CrossCountry Mortgage · Ann Arbor, MI · licensed in 3 states
- Down payment assistance
- FHA loan
- Non-QM loan
- First-time buyer
- MI 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 Ann Arbor, MI
- Licensed since 2025 (per Florida records)
- 8
Jillian BrotanNMLS 1685151
Guild Mortgage · Merrillville, IN · licensed in 3 states
- Down payment assistance
- First-time buyer
- VA loan
- MI 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 5 years of experience (lender page, 2026-10-09)
- 9
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Self-employed
- MI 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)
- 10
Clarissa LoraNMLS 1896451
CrossCountry Mortgage · Mishawaka, IN · licensed in 2 states
- Down payment assistance
- First-time buyer
- FHA loan
- MI 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 2022 (per Florida records)
- 11
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- MI 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 Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 12
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Down payment assistance
- Vacation home
- MI 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 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 13
Joanne RogersNMLS 223618
CrossCountry Mortgage · Deerfield, IL · licensed in 11 states
- Down payment assistance
- Real estate investor
- VA loan
- First-time buyer
- MI 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 2020 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 14
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Down payment assistance
- Jumbo loan
- Real estate investor
- USDA loan
- MI 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 2017 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 15
Jennifer LehmanNMLS 1588449
CrossCountry Mortgage · Mishawaka, IN · licensed in 2 states
- Down payment assistance
- Self-employed
- Non-QM loan
- MI 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 25 years of experience (lender page, 2026-10-09)
- 16
Jonathan SalinasNMLS 2451140
CrossCountry Mortgage · Memphis, TN · licensed in 6 states
- Down payment assistance
- DSCR loan
- ITIN borrower
- Non-QM loan
- MI 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 2023 (per Florida records)
- 17
Cori DrudgeNMLS 229643
Ruoff Mortgage · Fishers, IN · licensed in 8 states
- Down payment assistance
- FHA loan
- First-time buyer
- Renovation loan (203k / HomeStyle)
- MI 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 2022 (per Florida records)
- States 27 years of experience (lender page, 2026-10-09)
- 18
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- MI 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)
- 19
Rick RichterNMLS 46372
CrossCountry Mortgage · Ann Arbor, MI · licensed in 6 states
- Down payment assistance
- FHA loan
- First-time buyer
- MI 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 Ann Arbor, MI
- Licensed since 2015 (per Florida records)
- 20
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Down payment assistance
- Non-QM loan
- HELOC
- MI 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 2015 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 21
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- MI 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)
- 22
David K BaileyNMLS 369541
Loan Factory · Mortgage broker · licensed in 7 states
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- MI 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)
- 23
Michael SilkworthNMLS 783177
Union Home Mortgage · East Lansing, MI
- Down payment assistance
- FHA loan
- USDA loan
- VA loan
- MI 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 East Lansing, MI
- States 9 years of experience (lender page, 2026-10-09)
- 24
Brad EllettNMLS 1634528
Ruoff Mortgage · La Porte, IN · licensed in 4 states
- Down payment assistance
- FHA loan
- First-time buyer
- USDA loan
- MI 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)
- States 9 years of experience (lender page, 2026-10-09)
- 25
Mark BynumNMLS 164035
Union Home Mortgage · Port Huron, MI
- Down payment assistance
- First-time buyer
- MI 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 Port Huron, MI
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 MI license is confirmed with the state regulator (check mark), MI 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=MI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.