Loan programs · Pennsylvania
Down payment assistance loan officers in Pennsylvania
As of 2026-10-09, LenDb lists 71 loan officers licensed in or based in Pennsylvania whose lender pages show Down payment assistance work. The top-ranked are Michelle Greenwalt (First Home Mortgage, Millersville), Tina Gring (Guild Mortgage, Lancaster) and Edwin Santiago (CrossCountry Mortgage, Wayne). Ranking is lender-neutral: specialty evidence first, then a license in PA, 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
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- Down payment assistance
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 32257), verified 2026-10-09
- 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)
- 2
Tina GringNMLS 98983
Guild Mortgage · Lancaster, PA
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 35936), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Lancaster, PA
- States 25 years of experience (lender page, 2026-10-09)
- 3
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 20938), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Wayne, PA
- Licensed since 2013 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 4
Glenys DiazNMLS 1930468
CrossCountry Mortgage · Bethlehem, PA
- Down payment assistance
- Non-QM loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 100949), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Bethlehem, PA
- 5
Michael HamiltonNMLS 2237575
CrossCountry Mortgage · Niles, OH · licensed in 5 states
- Down payment assistance
- Non-QM loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 92840), verified 2026-10-09
- 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)
- 6
Mark LynchNMLS 22882
Guild Mortgage · Winchester, VA · licensed in 6 states
- Down payment assistance
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 70723), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- 7
Nathan SommersNMLS 180395
CrossCountry Mortgage · Forest Hill, MD · licensed in 7 states
- Down payment assistance
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 105589), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- 8
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- PA 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 17 years of experience (lender page, 2026-10-09)
- 9
Mark RamosNMLS 216938
CrossCountry Mortgage · Toms River, NJ · licensed in 6 states
- Down payment assistance
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 107944), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 18 years of experience (lender page, 2026-10-09)
- 10
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 73661), verified 2026-10-09
- 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)
- 11
Clint BaumNMLS 748590
Guild Mortgage · Hershey, PA
- Down payment assistance
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 54834), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Hershey, PA
- States 22 years of experience (lender page, 2026-10-09)
- 12
Mike FolkemerNMLS 783536
CrossCountry Mortgage · Lebanon, PA · licensed in 3 states
- Down payment assistance
- PA 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 Lebanon, PA
- Licensed since 2025 (per Florida records)
- States 18 years of experience (lender page, 2026-10-09)
- 13
Stuart SpaltNMLS 244693
CrossCountry Mortgage · Columbus, OH · licensed in 5 states
- Down payment assistance
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 99434), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- 14
Aaron HartmanNMLS 1560201
NFM Lending · Haddonfield, NJ · licensed in 2 states
- Down payment assistance
- FHA loan
- First-time buyer
- USDA loan
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 63351), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- States 8 years of experience (lender page, 2026-10-09)
- 15
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Down payment assistance
- 1099 income
- Asset-based qualifying
- Bank statement loan
- PA 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 Allentown, PA
- Licensed since 2021 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 16
Chelsey GiglioNMLS 1482382
CrossCountry Mortgage · Allentown, PA · licensed in 3 states
- Down payment assistance
- FHA loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 56640), verified 2026-10-09
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Office in Allentown, PA
- Licensed since 2017 (per Florida records)
- 17
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Down payment assistance
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- PA 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 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 18
Tom GatesNMLS 61691
CrossCountry Mortgage · Montvale, NJ · licensed in 5 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- PA 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 30 years of experience (lender page, 2026-10-09)
- 19
Nick MinkNMLS 112903
CrossCountry Mortgage · Haddon Township, NJ · licensed in 2 states
- Down payment assistance
- First-time buyer
- PA 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 21 years of experience (lender page, 2026-10-09)
- 20
Rob KaiserNMLS 146468
CrossCountry Mortgage · Sarasota, FL · licensed in 6 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- PA 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 22 years of experience (lender page, 2026-10-09)
- 21
Sandy DavisNMLS 172843
CrossCountry Mortgage · Aventura, FL · licensed in 4 states
- Down payment assistance
- Renovation loan (203k / HomeStyle)
- First-time buyer
- PA 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 2013 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 22
Steven LuzziNMLS 276620
CrossCountry Mortgage · Summit, NJ · licensed in 4 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- PA 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 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 23
Cameron NagyNMLS 2031250
JPMorgan Chase Bank (Chase Home Lending) · Bank · Philadelphia, PA
- Down payment assistance
- HELOC
- VA loan
- Self-employed
- 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 Philadelphia, PA
- Licensed since 2021 (per Florida records)
- 24
Tom LutzNMLS 135170
Guild Mortgage · York, PA · licensed in 4 states
- Down payment assistance
- FHA loan
- PA 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 York, PA
- Licensed since 2024 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 25
Stacey CoxNMLS 1088850
JPMorgan Chase Bank (Chase Home Lending) · Bank · Lititz, PA
- Down payment assistance
- VA loan
- FHA loan
- Self-employed
- 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 Lititz, PA
- Licensed since 2022 (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 PA license is confirmed with the state regulator (check mark), PA 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=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.