--- canonical_url: https://lendb.ai/s/down-payment-assistance/oregon last_verified: 2026-10-09 --- # Down payment assistance loan officers in Oregon As of 2026-10-09, LenDb lists 84 loan officers licensed in or based in Oregon whose lender pages show Down payment assistance work. The top-ranked are Peggy Pense (Guild Mortgage, Scappoose), Olivia Cox Paulson (Guild Mortgage, Portland) and Don Garrett (Guild Mortgage, Portland). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Peggy Pense](https://lendb.ai/lo/peggy-pense-112867)** (NMLS 112867), Guild Mortgage, Scappoose, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon 2. **[Olivia Cox Paulson](https://lendb.ai/lo/olivia-cox-paulson-209281)** (NMLS 209281), Guild Mortgage, Portland, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon - 20 years experience (stated on lender page, 2026-10-09) 3. **[Don Garrett](https://lendb.ai/lo/don-garrett-418862)** (NMLS 418862), Guild Mortgage, Portland, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon - 30 years experience (stated on lender page, 2026-10-09) 4. **[Cat Jerger](https://lendb.ai/lo/cat-jerger-1571253)** (NMLS 1571253), Guild Mortgage, Portland, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon 5. **[Laura Koch](https://lendb.ai/lo/laura-koch-1954783)** (NMLS 1954783), Guild Mortgage, Clackamas, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon 6. **[Shelley Covington](https://lendb.ai/lo/shelley-covington-102076)** (NMLS 102076), Intercap Lending, Kirkland, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - 25 years experience (stated on lender page, 2026-10-09) 7. **[Rachelle Coffey](https://lendb.ai/lo/rachelle-coffey-203664)** (NMLS 203664), Homeowners Financial Group, Scottsdale, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - 27 years experience (stated on lender page, 2026-10-09) 8. **[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) - Licensed in OR (listed on lender page, verified 2026-10-09) - 17 years experience (stated on lender page, 2026-10-09) 9. **[Eric Whitney Hexum](https://lendb.ai/lo/eric-whitney-hexum-1569697)** (NMLS 1569697), Guild Mortgage, Kennewick, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - 5 years licensed 10. **[Josiah Paul Shelman](https://lendb.ai/lo/josiah-shelman-1824996)** (NMLS 1824996), Guild Mortgage, Tumwater, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - 6 years experience (stated on lender page, 2026-10-09) 11. **[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) - Licensed in OR (listed on lender page, verified 2026-10-09) - 30 years experience (stated on lender page, 2026-10-09) 12. **[Duane Martin](https://lendb.ai/lo/duane-martin-327181)** (NMLS 327181), CrossCountry Mortgage, Bothell, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - 20 years experience (stated on lender page, 2026-10-09) 13. **[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) - Licensed in OR (listed on lender page, verified 2026-10-09) - 20 years experience (stated on lender page, 2026-10-09) 14. **[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) - Licensed in OR (listed on lender page, verified 2026-10-09) - 8 years licensed 15. **[Kim Fernandez](https://lendb.ai/lo/kim-fernandez-1901745)** (NMLS 1901745), Guild Mortgage, Las Vegas, NV - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) 16. **[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) - Licensed in OR (listed on lender page, verified 2026-10-09) - 15 years licensed 17. **[Joshua Kittel](https://lendb.ai/lo/joshua-kittel-227887)** (NMLS 227887), CrossCountry Mortgage, Corvallis, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon 18. **[Alex Margulis](https://lendb.ai/lo/alexander-margulis-192878)** (NMLS 192878), CrossCountry Mortgage, Chicago, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - 13 years licensed 19. **[Rick Richter](https://lendb.ai/lo/harry-richter-iii-46372)** (NMLS 46372), CrossCountry Mortgage, Ann Arbor, MI - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - 13 years licensed 20. **[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) - Licensed in OR (listed on lender page, verified 2026-10-09) - 12 years licensed 21. **[Stephen Bowdon](https://lendb.ai/lo/stephen-bowdon-583034)** (NMLS 583034), Guild Mortgage, Vancouver, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - 16 years experience (stated on lender page, 2026-10-09) 22. **[Alan Dierickx](https://lendb.ai/lo/alan-dierickx-286053)** (NMLS 286053), CrossCountry Mortgage, Portland, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon 23. **[Josh Rivers](https://lendb.ai/lo/josh-rivers-413732)** (NMLS 413732), CrossCountry Mortgage, Eugene, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon 24. **[Jessica Fritts](https://lendb.ai/lo/jessica-fritts-502139)** (NMLS 502139), Guild Mortgage, Portland, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon 25. **[Kaleb Pool](https://lendb.ai/lo/kaleb-pool-1861749)** (NMLS 1861749), CrossCountry Mortgage, Bend, OR - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in OR (listed on lender page, verified 2026-10-09) - Branch in Oregon ## 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/oregon. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._