---
canonical_url: https://lendb.ai/s/down-payment-assistance/vermont
last_verified: 2026-10-09
---

# Down payment assistance loan officers in Vermont

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Vermont 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 VT, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Kate Reagan](https://lendb.ai/lo/kathryn-reagan-19006)** (NMLS 19006), Guild Mortgage, Easthampton, MA
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
2. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2013 (per Florida records)
   - States 35 years of experience (lender page, 2026-10-09)
3. **[Andre Yarina](https://lendb.ai/lo/andre-yarina-1408534)** (NMLS 1408534), CrossCountry Mortgage, Cleveland, OH
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)

## 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/vermont.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._