Loan programs · North Carolina
Down payment assistance loan officers in North Carolina
As of 2026-10-09, LenDb lists 77 loan officers licensed in or based in North Carolina whose lender pages show Down payment assistance work. The top-ranked are DeMario Stanley (First Citizens Bank, Durham), Mark Niosi (CrossCountry Mortgage, Dunkirk) and Michelle Greenwalt (First Home Mortgage, Millersville). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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
DeMario StanleyNMLS 101851
First Citizens Bank · Bank · Durham, NC
- Down payment assistance
- USDA loan
- FHA loan
- First-time buyer
- 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 Durham, NC
- States 24 years of experience (lender page, 2026-10-09)
- 2
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- Down payment assistance
- Low credit score
- First-time buyer
- Real estate investor
- NC 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 24 years of experience (lender page, 2026-10-09)
- 3
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- Down payment assistance
- First-time buyer
- NC 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 20 years of experience (lender page, 2026-10-09)
- 4
Sarah BlumlingNMLS 775740
Southern Trust Mortgage · Virginia Beach, VA · licensed in 3 states
- Down payment assistance
- First-time buyer
- Real estate investor
- NC 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 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 5
John SchmidlinNMLS 69847
Guild Mortgage · High Point, NC · licensed in 3 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Construction loan
- NC 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 High Point, NC
- States 29 years of experience (lender page, 2026-10-09)
- 6
Renee HendersonNMLS 112786
CrossCountry Mortgage · Dunn, NC · licensed in 2 states
- Down payment assistance
- VA loan
- First-time buyer
- NC 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 Dunn, NC
- States 25 years of experience (lender page, 2026-10-09)
- 7
Arthur BuhrerNMLS 114080
CrossCountry Mortgage · Sequim, WA · licensed in 14 states
- Down payment assistance
- Real estate investor
- Reverse mortgage
- VA loan
- NC 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 Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Down payment assistance
- Vacation home
- NC 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 20 years of experience (lender page, 2026-10-09)
- 9
Scott CarterNMLS 208414
CrossCountry Mortgage · Tampa, FL · licensed in 2 states
- Down payment assistance
- Real estate investor
- VA loan
- First-time buyer
- NC 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 2014 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 10
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Down payment assistance
- Jumbo loan
- Real estate investor
- USDA loan
- NC 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)
- States 21 years of experience (lender page, 2026-10-09)
- 11
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Construction loan
- NC 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)
- States 25 years of experience (lender page, 2026-10-09)
- 12
Julie GlasscoNMLS 378177
CrossCountry Mortgage · Eagle, ID · licensed in 5 states
- Down payment assistance
- VA loan
- First-time buyer
- NC 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)
- 13
Mike FilanNMLS 659409
CrossCountry Mortgage · Fairfax, VA · licensed in 8 states
- Down payment assistance
- First-time buyer
- NC 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)
- 14
Michael HamiltonNMLS 2237575
CrossCountry Mortgage · Niles, OH · licensed in 5 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- NC 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 20 years of experience (lender page, 2026-10-09)
- 15
Keith BarclayNMLS 130904
JPMorgan Chase Bank (Chase Home Lending) · Bank · Apex, NC
- Down payment assistance
- VA loan
- FHA 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 Apex, NC
- Licensed since 2021 (per Florida records)
- 16
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- NC 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 2010 (per Colorado records)
- States 18 years of experience (lender page, 2026-10-09)
- 17
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Down payment assistance
- Non-QM loan
- HELOC
- NC 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 2015 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 18
Gina MyersNMLS 898712
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Down payment assistance
- Non-QM loan
- VA loan
- First-time buyer
- NC 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)
- 19
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- Physician and medical professional
- HELOC
- Self-employed
- NC 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)
- 20
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- NC 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)
- 21
Hope SloanNMLS 1997161
CrossCountry Mortgage · Summerville, SC · licensed in 2 states
- Down payment assistance
- Construction loan
- NC 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)
- 22
Kim TubbsNMLS 1807268
Loan Factory · Mortgage broker · licensed in 6 states
- Down payment assistance
- NC 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)
- 23
Al RapoportNMLS 60865
CrossCountry Mortgage · Union, NJ · licensed in 8 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Real estate investor
- NC 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 2015 (per Florida records)
- 24
Rodney MasonNMLS 151088
CrossCountry Mortgage · Atlanta, GA · licensed in 11 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- NC 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)
- 25
Brittany McLendonNMLS 1217704
CrossCountry Mortgage · Monroe, GA · licensed in 6 states
- Down payment assistance
- USDA loan
- VA loan
- FHA loan
- NC 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)
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 NC license is confirmed with the state regulator (check mark), NC 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=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.