--- canonical_url: https://lendb.ai/s/down-payment-assistance/new-york last_verified: 2026-10-09 --- # Down payment assistance loan officers in New York As of 2026-10-09, LenDb lists 57 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 Michelle Sanchez (CrossCountry Mortgage, Denville). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Jose Becerra](https://lendb.ai/lo/jose-becerra-56087)** (NMLS 56087), JPMorgan Chase Bank (Chase Home Lending), Middle Village, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Middle Village, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 21 years of experience (lender page, 2026-10-09) 2. **[David Toledo](https://lendb.ai/lo/david-toledo-28440)** (NMLS 28440), JPMorgan Chase Bank (Chase Home Lending), Bronx, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bronx, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 24 years of experience (lender page, 2026-10-09) 3. **[Michelle Sanchez](https://lendb.ai/lo/michelle-sanchez-1879790)** (NMLS 1879790), CrossCountry Mortgage, Denville, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NY 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) 4. **[Marcel F Alcala](https://lendb.ai/lo/marcel-f-alcala-1739610)** (NMLS 1739610), JPMorgan Chase Bank (Chase Home Lending), New York, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in New York, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 7 years of experience (lender page, 2026-10-09) 5. **[Tom Gates](https://lendb.ai/lo/tom-gates-61691)** (NMLS 61691), CrossCountry Mortgage, Montvale, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 6. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 7. **[Sandy Davis](https://lendb.ai/lo/alessandra-davis-172843)** (NMLS 172843), CrossCountry Mortgage, Aventura, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 8. **[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) - NY 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) 9. **[Steven Luzzi](https://lendb.ai/lo/steven-luzzi-276620)** (NMLS 276620), CrossCountry Mortgage, Summit, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 10. **[Mike Filan](https://lendb.ai/lo/michael-filan-659409)** (NMLS 659409), CrossCountry Mortgage, Fairfax, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 11. **[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) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 13. **[Billy Mui](https://lendb.ai/lo/billy-mui-471537)** (NMLS 471537), JPMorgan Chase Bank (Chase Home Lending), New York, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in New York, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 14. **[Karolina Wiatrowska](https://lendb.ai/lo/karolina-wiatrowska-598021)** (NMLS 598021), JPMorgan Chase Bank (Chase Home Lending), New York, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in New York, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 15. **[Carol Lei](https://lendb.ai/lo/carol-lei-602714)** (NMLS 602714), JPMorgan Chase Bank (Chase Home Lending), Little Neck, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Little Neck, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 16. **[Bella Beyder](https://lendb.ai/lo/bella-beyder-624047)** (NMLS 624047), JPMorgan Chase Bank (Chase Home Lending), Staten Island, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Staten Island, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Ruthie Xiang](https://lendb.ai/lo/ruthie-xiang-624470)** (NMLS 624470), JPMorgan Chase Bank (Chase Home Lending), Flushing, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Flushing, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Nataliya Dovgan-Cronin](https://lendb.ai/lo/nataliya-dovgan-cronin-625577)** (NMLS 625577), JPMorgan Chase Bank (Chase Home Lending), New York, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in New York, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 19. **[Sandra Torres](https://lendb.ai/lo/sandra-torres-625767)** (NMLS 625767), JPMorgan Chase Bank (Chase Home Lending), Brooklyn, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Brooklyn, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 20. **[Angela Cheung](https://lendb.ai/lo/angela-cheung-626886)** (NMLS 626886), JPMorgan Chase Bank (Chase Home Lending), Flushing, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Flushing, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 21. **[Cindy Zhang](https://lendb.ai/lo/cindy-zhang-626910)** (NMLS 626910), JPMorgan Chase Bank (Chase Home Lending), Flushing, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Flushing, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[Hernando A Pardo](https://lendb.ai/lo/hernando-a-pardo-814244)** (NMLS 814244), JPMorgan Chase Bank (Chase Home Lending), Bronx, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bronx, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[Sam Zheng](https://lendb.ai/lo/sam-zheng-1226544)** (NMLS 1226544), JPMorgan Chase Bank (Chase Home Lending), New York, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in New York, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 24. **[Chuk Lam](https://lendb.ai/lo/chuk-lam-1493735)** (NMLS 1493735), JPMorgan Chase Bank (Chase Home Lending), Bayside, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bayside, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 25. **[Steve Middlebrook](https://lendb.ai/lo/steve-middlebrook-49026)** (NMLS 49026), JPMorgan Chase Bank (Chase Home Lending), Rochester, NY - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Rochester, NY - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; 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/new-york. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._