Loan programs · Virginia
Down payment assistance loan officers in Virginia
As of 2026-10-09, LenDb lists 68 loan officers licensed in or based in Virginia whose lender pages show Down payment assistance work. The top-ranked are Sarah Blumling (Southern Trust Mortgage, Virginia Beach), Mark Niosi (CrossCountry Mortgage, Dunkirk) and Michelle Greenwalt (First Home Mortgage, Millersville). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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
Sarah BlumlingNMLS 775740
Southern Trust Mortgage · Virginia Beach, VA · licensed in 3 states
- Down payment assistance
- First-time buyer
- Real estate investor
- VA 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 Virginia Beach, VA
- Licensed since 2024 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Mark NiosiNMLS 216306
CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states
- Down payment assistance
- Low credit score
- First-time buyer
- Real estate investor
- VA 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 2020 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 3
Michelle GreenwaltNMLS 267729
First Home Mortgage · Millersville, MD · licensed in 9 states
- Down payment assistance
- First-time buyer
- VA 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)
- 4
Danny HembachNMLS 1533678
Guild Mortgage · Arlington, VA · licensed in 5 states
- Down payment assistance
- First-time buyer
- VA 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 Arlington, VA
- Licensed since 2020 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 5
Shawn GarnerNMLS 1035302
Guild Mortgage · Centennial, CO · licensed in 6 states
- Down payment assistance
- First-time buyer
- VA 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 Colorado records)
- 6
Mark DavisonNMLS 155629
CrossCountry Mortgage · Virginia Beach, VA
- Down payment assistance
- Construction loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- VA 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 Virginia Beach, VA
- States 28 years of experience (lender page, 2026-10-09)
- 7
Mike FilanNMLS 659409
CrossCountry Mortgage · Fairfax, VA · licensed in 8 states
- Down payment assistance
- First-time buyer
- VA 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 Fairfax, VA
- Licensed since 2024 (per Colorado records)
- States 24 years of experience (lender page, 2026-10-09)
- 8
Liz McElroy- FilanNMLS 659461
CrossCountry Mortgage · Fairfax, VA · licensed in 4 states
- Down payment assistance
- Self-employed
- Non-QM loan
- First-time buyer
- VA 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 Fairfax, VA
- Licensed since 2014 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 9
Ken PowellNMLS 2656628
Fairway Independent Mortgage Corporation · Hughesville, MD · licensed in 2 states
- Down payment assistance
- Self-employed
- VA loan
- Foreign national
- VA 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 10 years of experience (lender page, 2026-10-09)
- 10
Mark LynchNMLS 22882
Guild Mortgage · Winchester, VA · licensed in 6 states
- Down payment assistance
- VA 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 Winchester, VA
- Licensed since 2019 (per Florida records)
- 11
Gina MyersNMLS 898712
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Down payment assistance
- Non-QM loan
- VA loan
- First-time buyer
- VA 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 Fairfax, VA
- 12
Francoise GonzalesNMLS 314050
CrossCountry Mortgage · Columbia, MD · licensed in 4 states
- Down payment assistance
- VA 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 25 years of experience (lender page, 2026-10-09)
- 13
George KoutsosNMLS 29613
CrossCountry Mortgage · Beverly, MA · licensed in 15 states
- Down payment assistance
- Jumbo loan
- First-time buyer
- VA 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)
- States 35 years of experience (lender page, 2026-10-09)
- 14
John SchmidlinNMLS 69847
Guild Mortgage · High Point, NC · licensed in 3 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Construction loan
- VA 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)
- 15
Erin HendricksNMLS 90634
Intercap Lending · Pleasant Grove, UT · licensed in 22 states
- Down payment assistance
- Construction loan
- First-time buyer
- New construction
- VA 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)
- 16
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Down payment assistance
- Vacation home
- VA 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)
- 17
Nathan SommersNMLS 180395
CrossCountry Mortgage · Forest Hill, MD · licensed in 7 states
- Down payment assistance
- VA 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)
- 18
Beth LewisNMLS 219774
CrossCountry Mortgage · Evanston, IL · licensed in 23 states
- Down payment assistance
- Co-op
- VA loan
- VA 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)
- 19
Charles OliverNMLS 175312
CrossCountry Mortgage · Delray Beach, FL · licensed in 15 states
- Down payment assistance
- Non-QM loan
- HELOC
- VA 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)
- 20
Gus AndersonNMLS 1448809
CrossCountry Mortgage · Fairfax, VA · licensed in 5 states
- Down payment assistance
- Non-QM loan
- VA loan
- VA 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 Fairfax, VA
- Licensed since 2019 (per Florida records)
- States 11 years of experience (lender page, 2026-10-09)
- 21
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- Physician and medical professional
- HELOC
- Self-employed
- VA 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)
- 22
Chris DennisonNMLS 850828
Churchill Mortgage · Wyoming, MI · licensed in 3 states
- Down payment assistance
- First-time buyer
- VA 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)
- 23
Monica CentenoNMLS 1100009
Guild Mortgage · Henderson, NV · licensed in 33 states
- Down payment assistance
- VA 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)
- 24
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Down payment assistance
- 1099 income
- Asset-based qualifying
- Bank statement loan
- VA 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 15 years of experience (lender page, 2026-10-09)
- 25
Tiffany LimNMLS 830856
JPMorgan Chase Bank (Chase Home Lending) · Bank · Falls Church, VA
- Down payment assistance
- VA loan
- FHA loan
- Self-employed
- 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 Falls Church, VA
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 VA license is confirmed with the state regulator (check mark), VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.