{
  "canonical_url": "https://lendb.ai/s/down-payment-assistance/rhode-island",
  "summary": "As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Rhode Island whose lender pages show Down payment assistance work. The top-ranked are Kate Reagan (Guild Mortgage, Easthampton), George Koutsos (CrossCountry Mortgage, Beverly) and Andre Yarina (CrossCountry Mortgage, Cleveland). Ranking is lender-neutral: specialty evidence first, then a license in RI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "down-payment-assistance",
  "state": "RI",
  "total": 6,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 19006,
        "slug": "kathryn-reagan-19006",
        "full_name": "Kate Reagan",
        "canonical_url": "https://lendb.ai/lo/kathryn-reagan-19006",
        "json_url": "https://lendb.ai/lo/kathryn-reagan-19006.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Easthampton",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/easthampton/kate-reagan-452-rgkre.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "7 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/kathryn-reagan-19006"
    },
    {
      "rank": 2,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 29613,
        "slug": "george-koutsos-29613",
        "full_name": "George Koutsos",
        "canonical_url": "https://lendb.ai/lo/george-koutsos-29613",
        "json_url": "https://lendb.ai/lo/george-koutsos-29613.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beverly",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "IN",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC",
          "TX",
          "VA",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": 35,
        "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4804/george-koutsos/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "13 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/george-koutsos-29613"
    },
    {
      "rank": 3,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 1408534,
        "slug": "andre-yarina-1408534",
        "full_name": "Andre Yarina",
        "canonical_url": "https://lendb.ai/lo/andre-yarina-1408534",
        "json_url": "https://lendb.ai/lo/andre-yarina-1408534.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "CO",
          "PA",
          "AL",
          "AZ",
          "CT",
          "DC",
          "DE",
          "IA",
          "IN",
          "KY",
          "LA",
          "MD",
          "ME",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "RI",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2036/andre-yarina/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/andre-yarina-1408534"
    },
    {
      "rank": 4,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 1849915,
        "slug": "alyssa-caliendo-1849915",
        "full_name": "Alyssa Caliendo",
        "canonical_url": "https://lendb.ai/lo/alyssa-caliendo-1849915",
        "json_url": "https://lendb.ai/lo/alyssa-caliendo-1849915.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "MA",
          "ME",
          "NC",
          "NH",
          "RI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-4365/alyssa-caliendo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/alyssa-caliendo-1849915"
    },
    {
      "rank": 5,
      "score": 26,
      "loan_officer": {
        "nmls_id": 38803,
        "slug": "trevor-mcfarland-38803",
        "full_name": "Trevor McFarland",
        "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803",
        "json_url": "https://lendb.ai/lo/trevor-mcfarland-38803.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Worcester",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/worcester/trevor-mcfarland-765-rgtmcf.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "6 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803"
    },
    {
      "rank": 6,
      "score": 24,
      "loan_officer": {
        "nmls_id": 67031,
        "slug": "michael-bush-67031",
        "full_name": "Michael Bush",
        "canonical_url": "https://lendb.ai/lo/michael-bush-67031",
        "json_url": "https://lendb.ai/lo/michael-bush-67031.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "North Attleboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "ME",
          "NH",
          "NJ",
          "RI",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/michael-bush-651-rgmbu.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "2 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-bush-67031"
    }
  ]
}