--- canonical_url: https://lendb.ai/s/down-payment-assistance/michigan last_verified: 2026-10-09 --- # Down payment assistance loan officers in Michigan As of 2026-10-09, LenDb lists 55 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 Jon Novetske (CrossCountry Mortgage, Ann Arbor). Ranking is lender-neutral: specialty evidence first, then a license in MI, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Terryl D Lewis](https://lendb.ai/lo/terryl-d-lewis-2007065)** (NMLS 2007065), JPMorgan Chase Bank (Chase Home Lending), Detroit, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Detroit, MI - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 15 years of experience (lender page, 2026-10-09) 2. **[Teresa Becker](https://lendb.ai/lo/teresa-becker-135991)** (NMLS 135991), CrossCountry Mortgage, Plymouth, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Plymouth, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 3. **[Jon Novetske](https://lendb.ai/lo/jon-novetske-580793)** (NMLS 580793), CrossCountry Mortgage, Ann Arbor, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 18 years of experience (lender page, 2026-10-09) 4. **[Traci Anderson](https://lendb.ai/lo/traci-anderson-178289)** (NMLS 178289), CrossCountry Mortgage, Plymouth, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Plymouth, MI - MI 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) 5. **[Jamie Derringer](https://lendb.ai/lo/jameson-derringer-1399263)** (NMLS 1399263), CrossCountry Mortgage, Ann Arbor, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 6. **[Chris Dennison](https://lendb.ai/lo/chris-dennison-850828)** (NMLS 850828), Churchill Mortgage, Wyoming, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Wyoming, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 7. **[Jillian Brotan](https://lendb.ai/lo/jillian-brotan-1685151)** (NMLS 1685151), Guild Mortgage, Merrillville, IN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 5 years of experience (lender page, 2026-10-09) 8. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 9. **[Clarissa Lora](https://lendb.ai/lo/clarissa-lora-1896451)** (NMLS 1896451), CrossCountry Mortgage, Mishawaka, IN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 10. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI 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) 11. **[Joanne Rogers](https://lendb.ai/lo/joanne-rogers-223618)** (NMLS 223618), CrossCountry Mortgage, Deerfield, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 12. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 13. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 14. **[Jennifer Lehman](https://lendb.ai/lo/jennifer-lehman-1588449)** (NMLS 1588449), CrossCountry Mortgage, Mishawaka, IN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI 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) 15. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 16. **[Adam Garman](https://lendb.ai/lo/adam-garman-124792)** (NMLS 124792), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 17. **[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) - MI 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) 18. **[Rick Richter](https://lendb.ai/lo/harry-richter-iii-46372)** (NMLS 46372), CrossCountry Mortgage, Ann Arbor, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Ann Arbor, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 19. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 20. **[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) - MI 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) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 22. **[David K Bailey](https://lendb.ai/lo/david-bailey-369541)** (NMLS 369541), Loan Factory - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 23. **[Corey Vandenberg](https://lendb.ai/lo/corin-vandenberg-563900)** (NMLS 563900), Success Mortgage Partners, Grand Rapids, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Grand Rapids, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 24. **[Michael Silkworth](https://lendb.ai/lo/michael-silkworth-783177)** (NMLS 783177), Union Home Mortgage, East Lansing, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in East Lansing, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 9 years of experience (lender page, 2026-10-09) 25. **[Mark Bynum](https://lendb.ai/lo/mark-bynum-164035)** (NMLS 164035), Union Home Mortgage, Port Huron, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Port Huron, MI - MI listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/michigan. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._