Loan programs · Minnesota
Down payment assistance loan officers in Minnesota
As of 2026-10-09, LenDb lists 41 loan officers licensed in or based in Minnesota whose lender pages show Down payment assistance work. The top-ranked are Dave Amelsberg (CrossCountry Mortgage, Stillwater), Ellie Breitbach (Guild Mortgage, Prior Lake) and Kristi Piatz (Guild Mortgage, Edina). Ranking is lender-neutral: specialty evidence first, then a license in MN, 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
Dave AmelsbergNMLS 373394
CrossCountry Mortgage · Stillwater, MN · licensed in 2 states
- Down payment assistance
- Construction loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 20 years experience (stated on lender page, 2026-10-09)
- 2
Ellie BreitbachNMLS 1849568
Guild Mortgage · Prior Lake, MN · licensed in 4 states
- Down payment assistance
- FHA loan
- USDA loan
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 6 years licensed
- 3
Kristi PiatzNMLS 452537
Guild Mortgage · Edina, MN · licensed in 4 states
- Down payment assistance
- First-time buyer
- Physician and medical professional
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 5 years licensed
- 4
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 5
Alissa PenkavaNMLS 720725
Union Home Mortgage · Albert Lea, MN · licensed in 2 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- No disciplinary actions on file at LenDb
- 6
Agostino (Augie) IaconoNMLS 283725
Barrett Financial Group · Mortgage broker · Brookfield, WI · licensed in 11 states
- Down payment assistance
- Bank statement loan
- FHA loan
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 7
John SchwabNMLS 223945
Guild Mortgage · Aurora, IL · licensed in 10 states
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 8
Aaron AbedNMLS 335548
CrossCountry Mortgage · Bloomington, MN · licensed in 18 states
- Down payment assistance
- VA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 7 years licensed
- 9
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 10
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 11
Alex MargulisNMLS 192878
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Down payment assistance
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 13 years licensed
- No disciplinary actions on file at LenDb
- 12
Cary MeyersNMLS 584519
Guild Mortgage · Oswego, IL · licensed in 6 states
- Down payment assistance
- DSCR loan
- FHA loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 13
Al RapoportNMLS 60865
CrossCountry Mortgage · Union, NJ · licensed in 8 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 14
Dawson RosenowNMLS 2248516
CrossCountry Mortgage · White Bear Lake, MN · licensed in 3 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- 1 years licensed
- 15
Sami SandersNMLS 2271538
CrossCountry Mortgage · Bloomington, MN · licensed in 2 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- No disciplinary actions on file at LenDb
- 16
Julian BednarNMLS 1752492
CrossCountry Mortgage · Owatonna, MN · licensed in 5 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- Branch in Minnesota
- No disciplinary actions on file at LenDb
- 17
Olivia Cox PaulsonNMLS 209281
Guild Mortgage · Portland, OR · licensed in 5 states
- Down payment assistance
- Asset-based qualifying
- First-time buyer
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
Shawn GarnerNMLS 1035302
Guild Mortgage · Centennial, CO · licensed in 6 states
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
Andre YarinaNMLS 1408534
CrossCountry Mortgage · Cleveland, OH · licensed in 35 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 20
Ellie NelsonNMLS 1419225
Barrett Financial Group · Mortgage broker · Las Vegas, NV · licensed in 8 states
- Down payment assistance
- Construction loan
- First-time buyer
- Bank statement loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 21
Vivek AgarwalNMLS 2564210
Loan Factory · Mortgage broker · licensed in 13 states
- Down payment assistance
- DSCR loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 22
Greg BleylNMLS 117969
CrossCountry Mortgage · Cleveland, OH · licensed in 19 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 23
Kim TubbsNMLS 1807268
Loan Factory · Mortgage broker · licensed in 6 states
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 5 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 24
Josh NumbersNMLS 218459
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 25
Ivonne SanchezNMLS 230204
CrossCountry Mortgage · Oak Brook, IL · licensed in 4 states
- Down payment assistance
- Real estate investor
- Non-QM loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in MN (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
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 must be licensed in MN or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=down-payment-assistance&state=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.