--- canonical_url: https://lendb.ai/s/down-payment-assistance/tennessee last_verified: 2026-10-10 --- # Down payment assistance loan officers in Tennessee As of 2026-10-10, LenDb lists 74 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. ## 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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Kellie Buchanan](https://lendb.ai/lo/kellie-buchanan-744052)** (NMLS 744052), Highlands Residential Mortgage, Angel Fire, NM - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Colorado records) - States 34 years of experience (lender page, 2026-10-09) 3. **[Laura Mullen](https://lendb.ai/lo/laura-mullen-500688)** (NMLS 500688), Ruoff Mortgage - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 4. **[Nancy Siples](https://lendb.ai/lo/nancy-herrera-256016)** (NMLS 256016), Guild Mortgage, Riverside, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN 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) 5. **[Beth Dodgins](https://lendb.ai/lo/beth-dodgins-900020)** (NMLS 900020), CrossCountry Mortgage, Dickson, TN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Dickson, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 24 years of experience (lender page, 2026-10-09) 6. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Memphis, TN - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 7. **[John Schmidlin](https://lendb.ai/lo/john-schmidlin-69847)** (NMLS 69847), Guild Mortgage, High Point, NC - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 29 years of experience (lender page, 2026-10-09) 8. **[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) - TN 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) 9. **[Anna McCaghren Wilson](https://lendb.ai/lo/anna-mccaghren-wilson-198179)** (NMLS 198179), CrossCountry Mortgage, Decatur, AL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 43 years of experience (lender page, 2026-10-09) 10. **[Jason Smith](https://lendb.ai/lo/jason-smith-210839)** (NMLS 210839), CrossCountry Mortgage, Scottsdale, AZ - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 11. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 12. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 13. **[April Janas](https://lendb.ai/lo/april-janas-299013)** (NMLS 299013), CrossCountry Mortgage, Puyallup, WA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 14. **[Nikkie Bickham](https://lendb.ai/lo/alice-bickham-755411)** (NMLS 755411), Lower, Hughes Springs, TX - Lists Down payment assistance on lender page (lender page, verified 2026-10-10) - TN 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, 2026-10-10) 15. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) - States 18 years of experience (lender page, 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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 17. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 19. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[David K Bailey](https://lendb.ai/lo/david-bailey-369541)** (NMLS 369541), Loan Factory - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 21. **[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) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 22. **[Blake K Deaton](https://lendb.ai/lo/blake-k-deaton-2016609)** (NMLS 2016609), JPMorgan Chase Bank (Chase Home Lending), Germantown, TN - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - Office in Germantown, TN - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 23. **[Jordan Donolow](https://lendb.ai/lo/jordan-donolow-389920)** (NMLS 389920), CrossCountry Mortgage, Newport Beach, CA - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 24. **[Brittany Kuchelmeister](https://lendb.ai/lo/brittany-kuchelmeister-1035668)** (NMLS 1035668), CrossCountry Mortgage, Dallas, TX - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 25. **[Alexis Varga](https://lendb.ai/lo/alexis-varga-1473179)** (NMLS 1473179), CrossCountry Mortgage, Chicago, IL - Lists Down payment assistance on lender page (lender page, verified 2026-10-09) - TN listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) - States 10 years of experience (lender page, 2026-10-09) ## 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/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._