--- canonical_url: https://lendb.ai/s/down-payment-assistance/minnesota last_verified: 2026-10-09 --- # Down payment assistance loan officers in Minnesota As of 2026-10-09, LenDb lists 29 loan officers licensed in or based in Minnesota whose lender pages show Down payment assistance work. The top-ranked are Alissa Penkava (Union Home Mortgage, Albert Lea), Shawn Garner (Guild Mortgage, Centennial) 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. ## Ranked, with reasons 1. **[Alissa Penkava](https://lendb.ai/lo/alissa-penkava-720725)** (NMLS 720725), Union Home Mortgage, Albert Lea, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Albert Lea, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 12 years of experience (lender page, 2026-10-09) 2. **[Shawn Garner](https://lendb.ai/lo/shawn-garner-1035302)** (NMLS 1035302), Guild Mortgage, Centennial, CO - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Colorado records) 3. **[Kristi Piatz](https://lendb.ai/lo/kristin-piatz-452537)** (NMLS 452537), Guild Mortgage, Edina, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Edina, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 4. **[Dave Amelsberg](https://lendb.ai/lo/dave-amelsberg-373394)** (NMLS 373394), CrossCountry Mortgage, Stillwater, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Stillwater, MN - MN 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) 5. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN 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) 6. **[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) - MN 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) 7. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 8. **[Ellie Breitbach](https://lendb.ai/lo/elizabeth-breitbach-1849568)** (NMLS 1849568), Guild Mortgage, Prior Lake, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Prior Lake, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 9. **[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) - MN 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) 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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Kim Tubbs](https://lendb.ai/lo/kim-tubbs-1807268)** (NMLS 1807268), Loan Factory - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN 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) 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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 13. **[Andrea Blair](https://lendb.ai/lo/andrea-blair-442531)** (NMLS 442531), JPMorgan Chase Bank (Chase Home Lending), Maple Grove, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Maple Grove, MN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Tyler Shipe](https://lendb.ai/lo/tyler-shipe-745667)** (NMLS 745667), JPMorgan Chase Bank (Chase Home Lending), Saint Paul, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Saint Paul, MN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Aaron Abed](https://lendb.ai/lo/aaron-abed-335548)** (NMLS 335548), CrossCountry Mortgage, Bloomington, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 16. **[Al Rapoport](https://lendb.ai/lo/albert-rapoport-60865)** (NMLS 60865), CrossCountry Mortgage, Union, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 17. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 18. **[Dawson Rosenow](https://lendb.ai/lo/dawson-rosenow-2248516)** (NMLS 2248516), CrossCountry Mortgage, White Bear Lake, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in White Bear Lake, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 19. **[Sami Sanders](https://lendb.ai/lo/sami-sanders-2271538)** (NMLS 2271538), CrossCountry Mortgage, Bloomington, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bloomington, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Julian Bednar](https://lendb.ai/lo/julian-bednar-1752492)** (NMLS 1752492), CrossCountry Mortgage, Owatonna, MN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Owatonna, MN - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Josh Numbers](https://lendb.ai/lo/joshua-numbers-218459)** (NMLS 218459), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 22. **[Ivonne Sanchez](https://lendb.ai/lo/ivonne-sanchez-230204)** (NMLS 230204), CrossCountry Mortgage, Oak Brook, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 23. **[Josh Rivers](https://lendb.ai/lo/josh-rivers-413732)** (NMLS 413732), CrossCountry Mortgage, Eugene, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[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) - MN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 25. **[Olivia Cox Paulson](https://lendb.ai/lo/olivia-cox-paulson-209281)** (NMLS 209281), Guild Mortgage, Portland, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - MN 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) ## 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/minnesota. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._