{ "canonical_url": "https://lendb.ai/s/down-payment-assistance/virginia", "summary": "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.", "specialty": "down-payment-assistance", "state": "VA", "total": 68, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 60.8, "loan_officer": { "nmls_id": 775740, "slug": "sarah-blumling-775740", "full_name": "Sarah Blumling", "canonical_url": "https://lendb.ai/lo/sarah-blumling-775740", "json_url": "https://lendb.ai/lo/sarah-blumling-775740.json", "lender": { "nmls_id": 2921, "name": "Southern Trust Mortgage", "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921", "type": "imb" }, "branch": { "city": "Virginia Beach", "state": "VA" }, "licensed_states": [ "FL", "NC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "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": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.southerntrust.com/sarah-blumling/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Virginia Beach, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sarah-blumling-775740", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.southerntrust.com/sarah-blumling/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 216306, "slug": "mark-niosi-216306", "full_name": "Mark Niosi", "canonical_url": "https://lendb.ai/lo/mark-niosi-216306", "json_url": "https://lendb.ai/lo/mark-niosi-216306.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dunkirk", "state": "MD" }, "licensed_states": [ "FL", "DC", "DE", "GA", "MD", "NC", "SC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 24, "lender_profile_url": "https://crosscountrymortgage.com/dunkirk-md-2723/mark-niosi/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-niosi-216306", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/dunkirk-md-2723/mark-niosi/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 267729, "slug": "michelle-greenwalt-267729", "full_name": "Michelle Greenwalt", "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729", "json_url": "https://lendb.ai/lo/michelle-greenwalt-267729.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Millersville", "state": "MD" }, "licensed_states": [ "FL", "PA", "DC", "DE", "GA", "MD", "NC", "TN", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://firsthome.com/loan-officers/michelle-greenwalt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "VA 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)" ], "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://firsthome.com/loan-officers/michelle-greenwalt/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 57.8, "loan_officer": { "nmls_id": 1533678, "slug": "daniel-hembach-1533678", "full_name": "Danny Hembach", "canonical_url": "https://lendb.ai/lo/daniel-hembach-1533678", "json_url": "https://lendb.ai/lo/daniel-hembach-1533678.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Arlington", "state": "VA" }, "licensed_states": [ "DC", "GA", "MD", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://branches.guildmortgage.com/va/arlington/danny-hembach-264-agdh.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Arlington, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-hembach-1533678", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/va/arlington/danny-hembach-264-agdh.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 56.3, "loan_officer": { "nmls_id": 1035302, "slug": "shawn-garner-1035302", "full_name": "Shawn Garner", "canonical_url": "https://lendb.ai/lo/shawn-garner-1035302", "json_url": "https://lendb.ai/lo/shawn-garner-1035302.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Centennial", "state": "CO" }, "licensed_states": [ "CO", "ID", "MN", "NM", "VA", "WY" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/co/centennial/shawn-garner-905-desg.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2013 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/shawn-garner-1035302", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/co/centennial/shawn-garner-905-desg.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 54.8, "loan_officer": { "nmls_id": 155629, "slug": "mark-davison-155629", "full_name": "Mark Davison", "canonical_url": "https://lendb.ai/lo/mark-davison-155629", "json_url": "https://lendb.ai/lo/mark-davison-155629.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Virginia Beach", "state": "VA" }, "licensed_states": [ "VA" ], "licenses": [ { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "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, "licensed_since": null, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/virginia-beach-va-4174/mark-davison/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Virginia Beach, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-davison-155629", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/virginia-beach-va-4174/mark-davison/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 54.8, "loan_officer": { "nmls_id": 659409, "slug": "michael-filan-659409", "full_name": "Mike Filan", "canonical_url": "https://lendb.ai/lo/michael-filan-659409", "json_url": "https://lendb.ai/lo/michael-filan-659409.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Fairfax", "state": "VA" }, "licensed_states": [ "FL", "CO", "DC", "MD", "NC", "NY", "VA", "WV" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "CO" }, "years_experience": 24, "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-3667/michael-filan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Fairfax, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Colorado records)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-filan-659409", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/fairfax-va-3667/michael-filan/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 54.8, "loan_officer": { "nmls_id": 659461, "slug": "elizabeth-mcelroy-659461", "full_name": "Liz McElroy- Filan", "canonical_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461", "json_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Fairfax", "state": "VA" }, "licensed_states": [ "FL", "DC", "MD", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-3667/elizabeth-mcelroy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Fairfax, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2014 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/fairfax-va-3667/elizabeth-mcelroy/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 54.8, "loan_officer": { "nmls_id": 2656628, "slug": "ken-powell-2656628", "full_name": "Ken Powell", "canonical_url": "https://lendb.ai/lo/ken-powell-2656628", "json_url": "https://lendb.ai/lo/ken-powell-2656628.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Hughesville", "state": "MD" }, "licensed_states": [ "MD", "VA" ], "licenses": [ { "state": "MD", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://www.fairway.com/lo/ken-powell-2656628", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ken-powell-2656628", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/ken-powell-2656628" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 54.3, "loan_officer": { "nmls_id": 22882, "slug": "mark-lynch-22882", "full_name": "Mark Lynch", "canonical_url": "https://lendb.ai/lo/mark-lynch-22882", "json_url": "https://lendb.ai/lo/mark-lynch-22882.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Winchester", "state": "VA" }, "licensed_states": [ "PA", "DC", "MD", "SC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/va/winchester/mark-lynch-600-rgmly.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Winchester, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/mark-lynch-22882", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/va/winchester/mark-lynch-600-rgmly.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 53.8, "loan_officer": { "nmls_id": 314050, "slug": "francoise-gonzales-314050", "full_name": "Francoise Gonzales", "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050", "json_url": "https://lendb.ai/lo/francoise-gonzales-314050.json", "lender": { "nmls_id": 1124061, "name": "Lower", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Fairfax", "state": "VA" }, "licensed_states": [ "FL", "DC", "MD", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.lower.com/loan-officers/virginia/fairfax/francoise-gonzales", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Fairfax, VA", "VA listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Licensed since 2018 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/monica-centeno-1100009", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 49.3, "loan_officer": { "nmls_id": 963318, "slug": "ronald-atamian-963318", "full_name": "Ronald Atamian", "canonical_url": "https://lendb.ai/lo/ronald-atamian-963318", "json_url": "https://lendb.ai/lo/ronald-atamian-963318.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Allentown", "state": "PA" }, "licensed_states": [ "FL", "MD", "NJ", "NY", "PA", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/ronald-atamian/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ronald-atamian-963318", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/ronald-atamian/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 48.8, "loan_officer": { "nmls_id": 830856, "slug": "tiffany-lim-830856", "full_name": "Tiffany Lim", "canonical_url": "https://lendb.ai/lo/tiffany-lim-830856", "json_url": "https://lendb.ai/lo/tiffany-lim-830856.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Falls Church", "state": "VA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "ko" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/va/falls-church/100-w-falls-station-blvd-hla-830856", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Falls Church, VA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/tiffany-lim-830856", "license_check": { "state": "VA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] } ] }