{
  "canonical_url": "https://lendb.ai/s/down-payment-assistance/texas",
  "summary": "As of 2026-10-09, LenDb lists 220 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.",
  "specialty": "down-payment-assistance",
  "state": "TX",
  "total": 220,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59,
      "loan_officer": {
        "nmls_id": 293463,
        "slug": "melinda-munoz-293463",
        "full_name": "Melinda Munoz",
        "canonical_url": "https://lendb.ai/lo/melinda-munoz-293463",
        "json_url": "https://lendb.ai/lo/melinda-munoz-293463.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 26,
        "lender_profile_url": "https://www.uhm.com/loan-officers/patty/"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/melinda-munoz-293463"
    },
    {
      "rank": 2,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 274016,
        "slug": "ashley-van-meter-274016",
        "full_name": "Ashley Van Meter",
        "canonical_url": "https://lendb.ai/lo/ashley-van-meter-274016",
        "json_url": "https://lendb.ai/lo/ashley-van-meter-274016.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Kingwood",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/kingwood/ashley-van-meter-153-apavan.html"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ashley-van-meter-274016"
    },
    {
      "rank": 3,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 331384,
        "slug": "glenda-gore-331384",
        "full_name": "Glenda Gore",
        "canonical_url": "https://lendb.ai/lo/glenda-gore-331384",
        "json_url": "https://lendb.ai/lo/glenda-gore-331384.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Atascocita",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 40,
        "lender_profile_url": "https://www.uhm.com/loan-officers/glenda-gore/"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/glenda-gore-331384"
    },
    {
      "rank": 4,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 374892,
        "slug": "scott-bradley-374892",
        "full_name": "Scott Bradley",
        "canonical_url": "https://lendb.ai/lo/scott-bradley-374892",
        "json_url": "https://lendb.ai/lo/scott-bradley-374892.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Granbury",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/granbury/scott-bradley-214-grsb.html"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-bradley-374892"
    },
    {
      "rank": 5,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 289125,
        "slug": "lily-loh-289125",
        "full_name": "Lily Loh",
        "canonical_url": "https://lendb.ai/lo/lily-loh-289125",
        "json_url": "https://lendb.ai/lo/lily-loh-289125.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lily-loh-289125"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lily-loh-289125"
    },
    {
      "rank": 6,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 203664,
        "slug": "rachelle-coffey-203664",
        "full_name": "Rachelle Coffey",
        "canonical_url": "https://lendb.ai/lo/rachelle-coffey-203664",
        "json_url": "https://lendb.ai/lo/rachelle-coffey-203664.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "GA",
          "NM",
          "OR",
          "SC",
          "TX",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://homeownersfg.com/rachellecoffey/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/rachelle-coffey-203664"
    },
    {
      "rank": 7,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 311377,
        "slug": "douglas-luza-311377",
        "full_name": "Doug Luza",
        "canonical_url": "https://lendb.ai/lo/douglas-luza-311377",
        "json_url": "https://lendb.ai/lo/douglas-luza-311377.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Katy",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "OK",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/katy/doug-luza-35-apdlu.html"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/douglas-luza-311377"
    },
    {
      "rank": 8,
      "score": 52.6,
      "loan_officer": {
        "nmls_id": 262647,
        "slug": "ed-rowe-iii-262647",
        "full_name": "Ed Rowe III",
        "canonical_url": "https://lendb.ai/lo/ed-rowe-iii-262647",
        "json_url": "https://lendb.ai/lo/ed-rowe-iii-262647.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 7,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ed-rowe-iii-262647"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ed-rowe-iii-262647"
    },
    {
      "rank": 9,
      "score": 52.6,
      "loan_officer": {
        "nmls_id": 690505,
        "slug": "iris-legaspi-690505",
        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 17,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 10,
      "score": 52,
      "loan_officer": {
        "nmls_id": 217393,
        "slug": "kelly-ollendorff-217393",
        "full_name": "Kelly Ollendorff",
        "canonical_url": "https://lendb.ai/lo/kelly-ollendorff-217393",
        "json_url": "https://lendb.ai/lo/kelly-ollendorff-217393.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "TX"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://homeownersfg.com/kellyollendorff/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kelly-ollendorff-217393"
    },
    {
      "rank": 11,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 2152449,
        "slug": "q-clark-2152449",
        "full_name": "Q Clark",
        "canonical_url": "https://lendb.ai/lo/q-clark-2152449",
        "json_url": "https://lendb.ai/lo/q-clark-2152449.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Denver",
          "state": "CO"
        },
        "licensed_states": [
          "CO",
          "NE",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/co/denver/q-clark-328-ctqc.html"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/q-clark-2152449"
    },
    {
      "rank": 12,
      "score": 51,
      "loan_officer": {
        "nmls_id": 177080,
        "slug": "margot-de-la-paz-177080",
        "full_name": "Margot De La Paz",
        "canonical_url": "https://lendb.ai/lo/margot-de-la-paz-177080",
        "json_url": "https://lendb.ai/lo/margot-de-la-paz-177080.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "San Antonio",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/sanantonio/margot-de-la-paz-932-chmde.html"
      },
      "reasons": [
        "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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/margot-de-la-paz-177080"
    },
    {
      "rank": 13,
      "score": 51,
      "loan_officer": {
        "nmls_id": 1153841,
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/staten-island-ny-5329/joseph-campagna/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-campagna-602884"
    }
  ]
}