--- canonical_url: https://lendb.ai/s/down-payment-assistance/virginia last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Sarah Blumling](https://lendb.ai/lo/sarah-blumling-775740)** (NMLS 775740), Southern Trust Mortgage, Virginia Beach, VA - 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) 2. **[Mark Niosi](https://lendb.ai/lo/mark-niosi-216306)** (NMLS 216306), CrossCountry Mortgage, Dunkirk, MD - 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) 3. **[Michelle Greenwalt](https://lendb.ai/lo/michelle-greenwalt-267729)** (NMLS 267729), First Home Mortgage, Millersville, MD - 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) 4. **[Danny Hembach](https://lendb.ai/lo/daniel-hembach-1533678)** (NMLS 1533678), Guild Mortgage, Arlington, VA - 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) 5. **[Shawn Garner](https://lendb.ai/lo/shawn-garner-1035302)** (NMLS 1035302), Guild Mortgage, Centennial, CO - 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) 6. **[Mark Davison](https://lendb.ai/lo/mark-davison-155629)** (NMLS 155629), CrossCountry Mortgage, Virginia Beach, VA - 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) 7. **[Mike Filan](https://lendb.ai/lo/michael-filan-659409)** (NMLS 659409), CrossCountry Mortgage, Fairfax, VA - 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) 8. **[Liz McElroy- Filan](https://lendb.ai/lo/elizabeth-mcelroy-659461)** (NMLS 659461), CrossCountry Mortgage, Fairfax, VA - 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) 9. **[Ken Powell](https://lendb.ai/lo/ken-powell-2656628)** (NMLS 2656628), Fairway Independent Mortgage Corporation, Hughesville, MD - 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) 10. **[Mark Lynch](https://lendb.ai/lo/mark-lynch-22882)** (NMLS 22882), Guild Mortgage, Winchester, VA - 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) 11. **[Francoise Gonzales](https://lendb.ai/lo/francoise-gonzales-314050)** (NMLS 314050), Lower, Fairfax, VA - 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 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 12. **[Gina Myers](https://lendb.ai/lo/gina-myers-898712)** (NMLS 898712), CrossCountry Mortgage, Fairfax, VA - 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) 13. **[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) - VA 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) 14. **[John Schmidlin](https://lendb.ai/lo/john-schmidlin-69847)** (NMLS 69847), Guild Mortgage, High Point, NC - 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 29 years of experience (lender page, 2026-10-09) 15. **[Erin Hendricks](https://lendb.ai/lo/dennis-hendricks-90634)** (NMLS 90634), Intercap Lending, Pleasant Grove, UT - 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 20 years of experience (lender page, 2026-10-09) 16. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL - 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) 17. **[Nathan Sommers](https://lendb.ai/lo/nathan-sommers-180395)** (NMLS 180395), CrossCountry Mortgage, Forest Hill, MD - 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 2023 (per Florida records) 18. **[Beth Lewis](https://lendb.ai/lo/beth-lewis-219774)** (NMLS 219774), CrossCountry Mortgage, Evanston, IL - 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 2010 (per Colorado records) - States 18 years of experience (lender page, 2026-10-09) 19. **[Charles Oliver](https://lendb.ai/lo/charles-oliver-175312)** (NMLS 175312), CrossCountry Mortgage, Delray Beach, FL - 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 2015 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 20. **[Gus Anderson](https://lendb.ai/lo/gustav-anderson-1448809)** (NMLS 1448809), CrossCountry Mortgage, Fairfax, VA - 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 2019 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 21. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - 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) 22. **[Chris Dennison](https://lendb.ai/lo/chris-dennison-850828)** (NMLS 850828), Churchill Mortgage, Wyoming, MI - 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) 23. **[Monica Centeno](https://lendb.ai/lo/monica-centeno-1100009)** (NMLS 1100009), Guild Mortgage, Henderson, NV - 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 2018 (per Florida records) 24. **[Ronald Atamian](https://lendb.ai/lo/ronald-atamian-963318)** (NMLS 963318), CrossCountry Mortgage, Allentown, PA - 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) 25. **[Tiffany Lim](https://lendb.ai/lo/tiffany-lim-830856)** (NMLS 830856), JPMorgan Chase Bank (Chase Home Lending), Falls Church, VA - 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 ## 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/virginia. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._