--- canonical_url: https://lendb.ai/s/down-payment-assistance/north-carolina last_verified: 2026-10-09 --- # Down payment assistance loan officers in North Carolina As of 2026-10-09, LenDb lists 78 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. ## Ranked, with reasons 1. **[DeMario Stanley](https://lendb.ai/lo/demario-stanley-101851)** (NMLS 101851), First Citizens Bank, Durham, NC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Durham, NC - 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) 2. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 24 years of experience (lender page, 2026-10-09) 3. **[Michelle Greenwalt](https://lendb.ai/lo/michelle-greenwalt-267729)** (NMLS 267729), First Home Mortgage, Millersville, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Sarah Blumling](https://lendb.ai/lo/sarah-blumling-775740)** (NMLS 775740), Southern Trust Mortgage, Virginia Beach, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 5. **[John Schmidlin](https://lendb.ai/lo/john-schmidlin-69847)** (NMLS 69847), Guild Mortgage, High Point, NC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in High Point, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 29 years of experience (lender page, 2026-10-09) 6. **[Renee Henderson](https://lendb.ai/lo/renee-henderson-112786)** (NMLS 112786), CrossCountry Mortgage, Dunn, NC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Dunn, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 7. **[Arthur Buhrer](https://lendb.ai/lo/arthur-buhrer-114080)** (NMLS 114080), CrossCountry Mortgage, Sequim, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 8. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 9. **[Scott Carter](https://lendb.ai/lo/scott-carter-208414)** (NMLS 208414), CrossCountry Mortgage, Tampa, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 10. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 11. **[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) - NC 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) 12. **[Julie Glassco](https://lendb.ai/lo/julie-glassco-378177)** (NMLS 378177), CrossCountry Mortgage, Eagle, ID - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC 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) 13. **[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) - NC 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) 14. **[Michael Hamilton](https://lendb.ai/lo/michael-hamilton-2237575)** (NMLS 2237575), CrossCountry Mortgage, Niles, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 15. **[Keith Barclay](https://lendb.ai/lo/keith-barclay-130904)** (NMLS 130904), JPMorgan Chase Bank (Chase Home Lending), Apex, NC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Apex, NC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2021 (per Florida records) 16. **[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) - NC 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) 17. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 18. **[Gina Myers](https://lendb.ai/lo/gina-myers-898712)** (NMLS 898712), CrossCountry Mortgage, Fairfax, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Monica Centeno](https://lendb.ai/lo/monica-centeno-1100009)** (NMLS 1100009), Guild Mortgage, Henderson, NV - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 21. **[Hope Sloan](https://lendb.ai/lo/hope-sloan-1997161)** (NMLS 1997161), CrossCountry Mortgage, Summerville, SC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[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) - NC 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) 23. **[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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 24. **[Rodney Mason](https://lendb.ai/lo/rodney-mason-151088)** (NMLS 151088), CrossCountry Mortgage, Atlanta, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 25. **[Brittany McLendon](https://lendb.ai/lo/brittany-mclendon-1217704)** (NMLS 1217704), CrossCountry Mortgage, Monroe, GA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) ## 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/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._