Loan programs · Tennessee
Down payment assistance loan officers in Tennessee
As of 2026-10-09, LenDb lists 72 loan officers licensed in or based in Tennessee whose lender pages show Down payment assistance work. The top-ranked are Michelle Greenwalt (First Home Mortgage, Millersville), Kellie Buchanan (Highlands Residential Mortgage, Angel Fire) and Laura Mullen (Ruoff Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in TN, 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
- TN 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 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Kellie BuchananNMLS 744052
Highlands Residential Mortgage · Angel Fire, NM · licensed in 6 states
- Down payment assistance
- Condo
- Manufactured home
- Vacation home
- TN 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 2019 (per Colorado records)
- States 34 years of experience (lender page, 2026-10-09)
- 3
Laura MullenNMLS 500688
Ruoff Mortgage · licensed in 4 states
- Down payment assistance
- First-time buyer
- TN 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 25 years of experience (lender page, 2026-10-09)
- 4
Nancy SiplesNMLS 256016
Guild Mortgage · Riverside, CA · licensed in 4 states
- Down payment assistance
- First-time buyer
- TN 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)
- 5
Beth DodginsNMLS 900020
CrossCountry Mortgage · Dickson, TN
- Down payment assistance
- Construction loan
- First-time buyer
- TN 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 Dickson, TN
- States 24 years of experience (lender page, 2026-10-09)
- 6
Jonathan SalinasNMLS 2451140
CrossCountry Mortgage · Memphis, TN · licensed in 6 states
- Down payment assistance
- DSCR loan
- ITIN borrower
- Non-QM loan
- TN 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 Memphis, TN
- Licensed since 2023 (per Florida records)
- 7
John SchmidlinNMLS 69847
Guild Mortgage · High Point, NC · licensed in 3 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Construction loan
- TN 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 29 years of experience (lender page, 2026-10-09)
- 8
Erin HendricksNMLS 90634
Intercap Lending · Pleasant Grove, UT · licensed in 22 states
- Down payment assistance
- Construction loan
- First-time buyer
- New construction
- TN 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 20 years of experience (lender page, 2026-10-09)
- 9
Anna McCaghren WilsonNMLS 198179
CrossCountry Mortgage · Decatur, AL · licensed in 2 states
- Down payment assistance
- USDA loan
- VA loan
- FHA loan
- TN 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 43 years of experience (lender page, 2026-10-09)
- 10
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- VA loan
- TN 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 2022 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 11
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Down payment assistance
- Jumbo loan
- Real estate investor
- USDA loan
- TN 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 2017 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 12
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Construction loan
- TN 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 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 13
April JanasNMLS 299013
CrossCountry Mortgage · Puyallup, WA · licensed in 13 states
- Down payment assistance
- Construction loan
- HELOC
- TN 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 2026 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 14
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- TN 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 2010 (per Colorado records)
- States 18 years of experience (lender page, 2026-10-09)
- 15
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Down payment assistance
- Non-QM loan
- HELOC
- TN 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 2015 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 16
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- Physician and medical professional
- HELOC
- Self-employed
- TN 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)
- 17
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- TN 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 2018 (per Florida records)
- 18
Kim FernandezNMLS 1901745
Guild Mortgage · Las Vegas, NV · licensed in 7 states
- Down payment assistance
- First-time buyer
- Real estate investor
- TN 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)
- 19
David K BaileyNMLS 369541
Loan Factory · Mortgage broker · licensed in 7 states
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- TN 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 2024 (per Florida records)
- 20
Alex MargulisNMLS 192878
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Down payment assistance
- Jumbo loan
- TN 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)
- 21
Blake K DeatonNMLS 2016609
JPMorgan Chase Bank (Chase Home Lending) · Bank · Germantown, TN
- Down payment assistance
- Vacation home
- FHA loan
- Jumbo loan
- 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 Germantown, TN
- 22
Jordan DonolowNMLS 389920
CrossCountry Mortgage · Newport Beach, CA · licensed in 16 states
- Down payment assistance
- Non-QM loan
- TN 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 10 years of experience (lender page, 2026-10-09)
- 23
Brittany KuchelmeisterNMLS 1035668
CrossCountry Mortgage · Dallas, TX · licensed in 4 states
- Down payment assistance
- VA loan
- FHA loan
- First-time buyer
- TN 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 10 years of experience (lender page, 2026-10-09)
- 24
Alexis VargaNMLS 1473179
CrossCountry Mortgage · Chicago, IL · licensed in 12 states
- Down payment assistance
- FHA loan
- Jumbo loan
- USDA loan
- TN 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 2016 (per Colorado records)
- States 10 years of experience (lender page, 2026-10-09)
- 25
Rodney MasonNMLS 151088
CrossCountry Mortgage · Atlanta, GA · licensed in 11 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- TN 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 2017 (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 TN license is confirmed with the state regulator (check mark), TN 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=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.