Loan programs · New Mexico
Down payment assistance loan officers in New Mexico
As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in New Mexico whose lender pages show Down payment assistance work. The top-ranked are Kellie Buchanan (Highlands Residential Mortgage, Angel Fire), Christopher Gonzales (JPMorgan Chase Bank (Chase Home Lending), Albuquerque) and Shawn Garner (Guild Mortgage, Centennial). Ranking is lender-neutral: specialty evidence first, then a license in NM, 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 19
- 1
Kellie BuchananNMLS 744052
Highlands Residential Mortgage · Angel Fire, NM · licensed in 6 states
- Down payment assistance
- Condo
- Manufactured home
- Vacation home
- NM 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 Angel Fire, NM
- Licensed since 2019 (per Colorado records)
- States 34 years of experience (lender page, 2026-10-09)
- 2
Christopher GonzalesNMLS 403871
JPMorgan Chase Bank (Chase Home Lending) · Bank · Albuquerque, NM
- Down payment assistance
- FHA loan
- Jumbo loan
- VA loan
- 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 Albuquerque, NM
- States 15 years of experience (lender page, 2026-10-09)
- 3
Shawn GarnerNMLS 1035302
Guild Mortgage · Centennial, CO · licensed in 6 states
- Down payment assistance
- First-time buyer
- NM 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)
- 4
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Self-employed
- NM 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)
- 5
Erin HendricksNMLS 90634
Intercap Lending · Pleasant Grove, UT · licensed in 22 states
- Down payment assistance
- Construction loan
- First-time buyer
- New construction
- NM 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 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 6
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- VA loan
- NM 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 22 years of experience (lender page, 2026-10-09)
- 7
Geldie RichardsonNMLS 231386
Envoy Mortgage · Auburn, CA · licensed in 4 states
- Down payment assistance
- First-time buyer
- NM 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 20 years of experience (lender page, 2026-10-09)
- 8
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- Physician and medical professional
- HELOC
- Self-employed
- NM 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)
- 9
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- NM 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)
- 10
Andre YarinaNMLS 1408534
CrossCountry Mortgage · Cleveland, OH · licensed in 35 states
- Down payment assistance
- NM 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)
- 11
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Down payment assistance
- Condo
- FHA loan
- Jumbo loan
- NM 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)
- 12
Kelly McReynoldsNMLS 1480497
Guild Mortgage · Albuquerque, NM
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo loan
- NM 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 Albuquerque, NM
- 13
Cody McHughNMLS 1181777
CrossCountry Mortgage · Greenwood Village, CO · licensed in 6 states
- Down payment assistance
- First-time buyer
- NM 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 2021 (per Colorado records)
- 14
Abraham InzunzaNMLS 2082220
CrossCountry Mortgage · Tucson, AZ · licensed in 2 states
- Down payment assistance
- VA loan
- NM 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)
- 15
Beatriz VillalobosNMLS 2175864
CrossCountry Mortgage · Sierra Vista, AZ · licensed in 7 states
- Down payment assistance
- Condo
- Construction loan
- Jumbo loan
- NM 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)
- 16
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- Down payment assistance
- First-time buyer
- FHA loan
- VA loan
- NM 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)
- 17
Teyona StewartNMLS 2215853
First Citizens Bank · Bank · La Jolla, CA · licensed in 35 states
- Down payment assistance
- FHA loan
- Physician and medical professional
- VA loan
- NM 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)
- 18
Greg MatternNMLS 1081954
Guild Mortgage · Windsor, CO · licensed in 5 states
- Down payment assistance
- First-time buyer
- Self-employed
- NM 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 Colorado records)
- 19
Gregory DossNMLS 1787756
Guild Mortgage · Albuquerque, NM · licensed in 2 states
- Down payment assistance
- FHA loan
- VA loan
- NM 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 Albuquerque, NM
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 NM license is confirmed with the state regulator (check mark), NM 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=NM. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.