--- canonical_url: https://lendb.ai/s/down-payment-assistance/pennsylvania last_verified: 2026-10-09 --- # Down payment assistance loan officers in Pennsylvania As of 2026-10-09, LenDb lists 68 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. ## Ranked, with reasons 1. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 32257), verified 2026-10-09 - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Tina Gring](https://lendb.ai/lo/tina-gring-98983)** (NMLS 98983), Guild Mortgage, Lancaster, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Lancaster, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 35936), verified 2026-10-09 - States 25 years of experience (lender page, 2026-10-09) 3. **[Edwin Santiago](https://lendb.ai/lo/edwin-santiago-133618)** (NMLS 133618), CrossCountry Mortgage, Wayne, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Wayne, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 20938), verified 2026-10-09 - Licensed since 2013 (per Colorado records) - States 23 years of experience (lender page, 2026-10-09) 4. **[Glenys Diaz](https://lendb.ai/lo/glenys-diaz-1930468)** (NMLS 1930468), CrossCountry Mortgage, Bethlehem, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Bethlehem, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 100949), verified 2026-10-09 5. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 92840), verified 2026-10-09 - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 6. **[Mark Lynch](https://lendb.ai/lo/mark-lynch-22882)** (NMLS 22882), Guild Mortgage, Winchester, VA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 70723), verified 2026-10-09 - Licensed since 2019 (per Florida records) 7. **[Nathan Sommers](https://lendb.ai/lo/nathan-sommers-180395)** (NMLS 180395), CrossCountry Mortgage, Forest Hill, MD - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 105589), verified 2026-10-09 - Licensed since 2023 (per Florida records) 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) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 9. **[Mark Ramos](https://lendb.ai/lo/mark-ramos-216938)** (NMLS 216938), CrossCountry Mortgage, Toms River, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 107944), verified 2026-10-09 - Licensed since 2021 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 10. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 73661), verified 2026-10-09 - Licensed since 2010 (per Colorado records) - States 18 years of experience (lender page, 2026-10-09) 11. **[Clint Baum](https://lendb.ai/lo/clint-baum-748590)** (NMLS 748590), Guild Mortgage, Hershey, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Hershey, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 54834), verified 2026-10-09 - States 22 years of experience (lender page, 2026-10-09) 12. **[Mike Folkemer](https://lendb.ai/lo/michael-folkemer-783536)** (NMLS 783536), CrossCountry Mortgage, Lebanon, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Lebanon, PA - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 18 years of experience (lender page, 2026-10-09) 13. **[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) - Licensed in PA: confirmed with the Pennsylvania regulator (license 99434), verified 2026-10-09 - Licensed since 2026 (per Florida records) 14. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Allentown, PA - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 15. **[Chelsey Giglio](https://lendb.ai/lo/chelsey-giglio-1482382)** (NMLS 1482382), CrossCountry Mortgage, Allentown, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Allentown, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 56640), verified 2026-10-09 - Licensed since 2017 (per Florida records) 16. **[Billy McElroy](https://lendb.ai/lo/william-mcelroy-48244)** (NMLS 48244), CrossCountry Mortgage, Sewell, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 17. **[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) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 18. **[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) - PA 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) 19. **[Nick Mink](https://lendb.ai/lo/nick-mink-112903)** (NMLS 112903), CrossCountry Mortgage, Haddon Township, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 21 years of experience (lender page, 2026-10-09) 20. **[Rob Kaiser](https://lendb.ai/lo/robert-kaiser-146468)** (NMLS 146468), CrossCountry Mortgage, Sarasota, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 21. **[Sandy Davis](https://lendb.ai/lo/alessandra-davis-172843)** (NMLS 172843), CrossCountry Mortgage, Aventura, FL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 22. **[Steven Luzzi](https://lendb.ai/lo/steven-luzzi-276620)** (NMLS 276620), CrossCountry Mortgage, Summit, NJ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 23. **[Cameron Nagy](https://lendb.ai/lo/cameron-nagy-2031250)** (NMLS 2031250), JPMorgan Chase Bank (Chase Home Lending), Philadelphia, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Philadelphia, PA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2021 (per Florida records) 24. **[Tom Lutz](https://lendb.ai/lo/thomas-lutz-135170)** (NMLS 135170), Guild Mortgage, York, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in York, PA - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 25. **[Stacey Cox](https://lendb.ai/lo/stacey-cox-1088850)** (NMLS 1088850), JPMorgan Chase Bank (Chase Home Lending), Lititz, PA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Lititz, PA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - Licensed since 2022 (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/pennsylvania. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._