--- canonical_url: https://lendb.ai/s/down-payment-assistance/ohio last_verified: 2026-10-09 --- # Down payment assistance loan officers in Ohio As of 2026-10-09, LenDb lists 87 loan officers licensed in or based in Ohio whose lender pages show Down payment assistance work. The top-ranked are Patrick Tuffey (Union Home Mortgage, West Chester), Mutazz Mohammad (JPMorgan Chase Bank (Chase Home Lending), Columbus) and Steven Welty (JPMorgan Chase Bank (Chase Home Lending), Columbus). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Patrick Tuffey](https://lendb.ai/lo/patrick-tuffey-841734)** (NMLS 841734), Union Home Mortgage, West Chester, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in West Chester, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 24 years of experience (lender page, 2026-10-09) 2. **[Mutazz Mohammad](https://lendb.ai/lo/mutazz-mohammad-232234)** (NMLS 232234), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Columbus, OH - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 25 years of experience (lender page, 2026-10-09) 3. **[Steven Welty](https://lendb.ai/lo/steven-welty-177455)** (NMLS 177455), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Columbus, OH - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 15 years of experience (lender page, 2026-10-09) 4. **[Jay Slone](https://lendb.ai/lo/jay-slone-32101)** (NMLS 32101), CrossCountry Mortgage, Lorain, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Lorain, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-09) 5. **[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) - Office in Bryan, OH - OH 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) 6. **[Terry Traxler](https://lendb.ai/lo/terry-traxler-263350)** (NMLS 263350), CrossCountry Mortgage, Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Columbus, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 24 years of experience (lender page, 2026-10-09) 7. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 8. **[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) - Office in Niles, OH - OH 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. **[Lori Fetter](https://lendb.ai/lo/lori-fetter-832832)** (NMLS 832832), Ruoff Mortgage, Medina, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Medina, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 26 years of experience (lender page, 2026-10-09) 10. **[Stuart Spalt](https://lendb.ai/lo/stuart-spalt-244693)** (NMLS 244693), CrossCountry Mortgage, Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Columbus, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) 11. **[Itzia Johnson](https://lendb.ai/lo/itzia-johnson-347895)** (NMLS 347895), JPMorgan Chase Bank (Chase Home Lending), Reynoldsburg, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Reynoldsburg, OH - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 8 years of experience (lender page, 2026-10-09) 12. **[Mary Gavitt](https://lendb.ai/lo/mary-gavitt-1633584)** (NMLS 1633584), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Columbus, OH - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 10 years of experience (lender page, 2026-10-09) 13. **[Victoria Turnbough](https://lendb.ai/lo/victoria-turnbough-2126530)** (NMLS 2126530), JPMorgan Chase Bank (Chase Home Lending), South Euclid, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in South Euclid, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 14. **[Rodney Mullins](https://lendb.ai/lo/rodney-mullins-20486)** (NMLS 20486), Union Home Mortgage, Tampa, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 15. **[Shane Rodgers](https://lendb.ai/lo/shane-rodgers-779152)** (NMLS 779152), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Cleveland, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 16. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 17. **[Adam Garman](https://lendb.ai/lo/adam-garman-124792)** (NMLS 124792), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 18. **[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) - OH 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) 19. **[Rob Livingston](https://lendb.ai/lo/robert-livingston-460623)** (NMLS 460623), CrossCountry Mortgage, Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Columbus, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 20. **[Andrea Walker](https://lendb.ai/lo/andrea-walker-1413520)** (NMLS 1413520), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Columbus, OH - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 6 years of experience (lender page, 2026-10-09) 21. **[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) - OH 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) 22. **[Gabriel Davila](https://lendb.ai/lo/gabriel-davila-2049959)** (NMLS 2049959), JPMorgan Chase Bank (Chase Home Lending), Cuyahoga Falls, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Cuyahoga Falls, OH - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2022 (per Florida records) 23. **[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) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[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) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 25. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Cleveland, OH - OH 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/ohio. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._