Loan programs · New York
Down payment assistance loan officers in New York
As of 2026-10-09, LenDb lists 70 loan officers licensed in or based in New York whose lender pages show Down payment assistance work. The top-ranked are Jose Becerra (JPMorgan Chase Bank (Chase Home Lending), Middle Village), David Toledo (JPMorgan Chase Bank (Chase Home Lending), Bronx) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in NY, 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
Jose BecerraNMLS 56087
JPMorgan Chase Bank (Chase Home Lending) · Bank · Middle Village, NY
- Down payment assistance
- Co-op
- Condo
- 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 Middle Village, NY
- States 21 years of experience (lender page, 2026-10-09)
- 2
David ToledoNMLS 28440
JPMorgan Chase Bank (Chase Home Lending) · Bank · Bronx, NY
- Down payment assistance
- Co-op
- Condo
- FHA 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 Bronx, NY
- States 24 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
- NY 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
Michelle SanchezNMLS 1879790
CrossCountry Mortgage · Denville, NJ · licensed in 2 states
- Down payment assistance
- First-time buyer
- NY 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)
- 5
Marcel F AlcalaNMLS 1739610
JPMorgan Chase Bank (Chase Home Lending) · Bank · New York, NY
- Down payment assistance
- Co-op
- Condo
- Vacation home
- 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 New York, NY
- States 7 years of experience (lender page, 2026-10-09)
- 6
Tom GatesNMLS 61691
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- NY 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 30 years of experience (lender page, 2026-10-09)
- 7
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- NY 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)
- 8
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- NY 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 2025 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 9
Sandy DavisNMLS 172843
CrossCountry Mortgage · Aventura, FL · licensed in 4 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- NY 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 Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 10
Joanne RogersNMLS 223618
CrossCountry Mortgage · Deerfield, IL · licensed in 11 states
- Down payment assistance
- Real estate investor
- VA loan
- First-time buyer
- NY 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)
- 11
Steven LuzziNMLS 276620
CrossCountry Mortgage · Summit, NJ · licensed in 4 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- NY 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)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Mike FilanNMLS 659409
CrossCountry Mortgage · Fairfax, VA · licensed in 8 states
- Down payment assistance
- First-time buyer
- NY 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 2025 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 13
Christine IntrabartolaNMLS 22783
Embrace Home Loans · Melville, NY · licensed in 7 states
- Down payment assistance
- FHA loan
- USDA loan
- VA loan
- NY 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 Melville, NY
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 14
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Down payment assistance
- 1099 income
- Asset-based qualifying
- Bank statement loan
- NY 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 15 years of experience (lender page, 2026-10-09)
- 15
Billy MuiNMLS 471537
JPMorgan Chase Bank (Chase Home Lending) · Bank · New York, NY
- Down payment assistance
- Co-op
- Condo
- 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 New York, NY
- 16
Karolina WiatrowskaNMLS 598021
JPMorgan Chase Bank (Chase Home Lending) · Bank · New York, NY
- Down payment assistance
- Co-op
- Condo
- FHA 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 New York, NY
- 17
Carol LeiNMLS 602714
JPMorgan Chase Bank (Chase Home Lending) · Bank · Little Neck, NY
- Down payment assistance
- FHA 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 Little Neck, NY
- 18
Bella BeyderNMLS 624047
JPMorgan Chase Bank (Chase Home Lending) · Bank · Staten Island, NY
- Down payment assistance
- Co-op
- Condo
- 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 Staten Island, NY
- 19
Ruthie XiangNMLS 624470
JPMorgan Chase Bank (Chase Home Lending) · Bank · Flushing, NY
- Down payment assistance
- Co-op
- Condo
- Vacation home
- 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 Flushing, NY
- 20
Nataliya Dovgan-CroninNMLS 625577
JPMorgan Chase Bank (Chase Home Lending) · Bank · New York, NY
- Down payment assistance
- FHA loan
- Self-employed
- 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 New York, NY
- 21
Sandra TorresNMLS 625767
JPMorgan Chase Bank (Chase Home Lending) · Bank · Brooklyn, NY
- Down payment assistance
- Co-op
- Condo
- 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 Brooklyn, NY
- 22
Angela CheungNMLS 626886
JPMorgan Chase Bank (Chase Home Lending) · Bank · Flushing, NY
- Down payment assistance
- Co-op
- Condo
- FHA 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 Flushing, NY
- 23
Cindy ZhangNMLS 626910
JPMorgan Chase Bank (Chase Home Lending) · Bank · Flushing, NY
- 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 Flushing, NY
- 24
Hernando A PardoNMLS 814244
JPMorgan Chase Bank (Chase Home Lending) · Bank · Bronx, NY
- Down payment assistance
- FHA loan
- VA loan
- Jumbo 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 Bronx, NY
- 25
Sam ZhengNMLS 1226544
JPMorgan Chase Bank (Chase Home Lending) · Bank · New York, NY
- Down payment assistance
- Co-op
- Condo
- Vacation home
- 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 New York, NY
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 NY license is confirmed with the state regulator (check mark), NY 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=NY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.