Loan programs · Texas
Down payment assistance loan officers in Texas
As of 2026-10-09, LenDb lists 208 loan officers licensed in or based in Texas whose lender pages show Down payment assistance work. The top-ranked are Melinda Munoz (Union Home Mortgage), Ashley Van Meter (Guild Mortgage, Kingwood) and Glenda Gore (Union Home Mortgage, Atascocita). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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
Melinda MunozNMLS 293463
Union Home Mortgage · Texas
- Down payment assistance
- First-time buyer
- Real estate investor
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 26 years experience (stated on lender page, 2026-10-09)
- 2
Ashley Van MeterNMLS 274016
Guild Mortgage · Kingwood, TX
- Down payment assistance
- DSCR loan
- FHA loan
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 20 years experience (stated on lender page, 2026-10-09)
- 3
Glenda GoreNMLS 331384
Union Home Mortgage · Atascocita, TX
- Down payment assistance
- First-time buyer
- Construction loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 40 years experience (stated on lender page, 2026-10-09)
- 4
Scott BradleyNMLS 374892
Guild Mortgage · Granbury, TX
- Down payment assistance
- First-time buyer
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 25 years experience (stated on lender page, 2026-10-09)
- 5
Lily LohNMLS 289125
Loan Factory · Texas
- Down payment assistance
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 25 years experience (stated on lender page, 2026-10-09)
- 6
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 27 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Doug LuzaNMLS 311377
Guild Mortgage · Katy, TX · licensed in 3 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 5 years licensed
- 8
Ed Rowe IIINMLS 262647
Loan Factory · Texas
- Down payment assistance
- FHA loan
- HELOC
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 7 years experience (stated on lender page, 2026-10-09)
- 9
Iris LegaspiNMLS 690505
First Citizens Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 17 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Kelly OllendorffNMLS 217393
Homeowners Financial Group · Austin, TX · licensed in 2 states
- Down payment assistance
- First-time buyer
- Self-employed
- ITIN borrower
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 2 years licensed
- 11
Q ClarkNMLS 2152449
Guild Mortgage · Denver, CO · licensed in 3 states
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Margot De La PazNMLS 177080
Guild Mortgage · San Antonio, TX
- Down payment assistance
- Manufactured home
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 30 years experience (stated on lender page, 2026-10-09)
- 13
Chuck EspinozaNMLS 1153841
Guild Mortgage · San Antonio, TX
- Down payment assistance
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 32 years experience (stated on lender page, 2026-10-09)
- 14
Jamey HodgeNMLS 11343
Guild Mortgage · Arlington, TX
- Down payment assistance
- Jumbo loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- No disciplinary actions on file at LenDb
- 15
Chris MartoranoNMLS 130044
Guild Mortgage · Chicago, IL · licensed in 10 states
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 16
Rob ParhamNMLS 195722
CrossCountry Mortgage · Plano, TX
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 26 years experience (stated on lender page, 2026-10-09)
- 17
Cheryl S NewNMLS 218555
Guild Mortgage · Stephenville, TX
- Down payment assistance
- Non-QM loan
- Bank statement loan
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 30 years experience (stated on lender page, 2026-10-09)
- 18
Tom SpanielNMLS 228693
Success Mortgage Partners · Dallas, TX
- Down payment assistance
- Construction loan
- FHA loan
- HELOC
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 29 years experience (stated on lender page, 2026-10-09)
- 19
JoAnn BaskinNMLS 534293
Guild Mortgage · Arlington, TX
- Down payment assistance
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 25 years experience (stated on lender page, 2026-10-09)
- 20
Angel RodriguezNMLS 322455
Loan Factory · Texas
- Down payment assistance
- First-time buyer
- Real estate investor
- Renovation loan (203k / HomeStyle)
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- 30 years experience (stated on lender page, 2026-10-09)
- 21
Bill HeadrickNMLS 514509
Highlands Residential Mortgage · Allen, TX · licensed in 2 states
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- No disciplinary actions on file at LenDb
- 22
Leanne TruongNMLS 1287957
Churchill Mortgage · Renton, WA · licensed in 4 states
- Down payment assistance
- FHA loan
- VA loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 10 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Joseph CampagnaNMLS 602884
CrossCountry Mortgage · Staten Island, NY · licensed in 7 states
- Down payment assistance
- First-time buyer
- Non-QM loan
- Real estate investor
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 24
John SchwabNMLS 223945
Guild Mortgage · Aurora, IL · licensed in 10 states
- Down payment assistance
- FHA loan
- First-time buyer
- Jumbo loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 25
Robert NunezNMLS 307169
Guild Mortgage · Dallas, TX · licensed in 3 states
- Down payment assistance
- Real estate investor
- Condo
- FHA loan
- Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
- Licensed in TX (listed on lender page, verified 2026-10-09)
- Branch in Texas
- No disciplinary actions on file at LenDb
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 must be licensed in TX or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=down-payment-assistance&state=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.