Loan programs · Washington
Down payment assistance loan officers in Washington
As of 2026-10-09, LenDb lists 115 loan officers licensed in or based in Washington whose lender pages show Down payment assistance work. The top-ranked are Yuriana Garcia (JPMorgan Chase Bank (Chase Home Lending), Federal Way), Shelley Covington (Intercap Lending, Kirkland) and Rob Briggs (CrossCountry Mortgage, Snohomish). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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
Yuriana GarciaNMLS 979433
JPMorgan Chase Bank (Chase Home Lending) · Bank · Federal Way, WA
- Down payment assistance
- HELOC
- VA loan
- FHA loan
- WA 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 Federal Way, WA
- States 16 years of experience (lender page, 2026-10-09)
- 2
Shelley CovingtonNMLS 102076
Intercap Lending · Kirkland, WA · licensed in 3 states
- Down payment assistance
- Bank statement loan
- FHA loan
- First-time buyer
- WA 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 Kirkland, WA
- States 25 years of experience (lender page, 2026-10-09)
- 3
Rob BriggsNMLS 1627558
CrossCountry Mortgage · Snohomish, WA · licensed in 3 states
- Down payment assistance
- First-time buyer
- WA 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 Snohomish, WA
- States 9 years of experience (lender page, 2026-10-09)
- 4
Rachelle CoffeyNMLS 203664
Homeowners Financial Group · Scottsdale, AZ · licensed in 10 states
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- WA 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 27 years of experience (lender page, 2026-10-09)
- 5
Josiah Paul ShelmanNMLS 1824996
Guild Mortgage · Tumwater, WA · licensed in 4 states
- Down payment assistance
- FHA loan
- First-time buyer
- Self-employed
- WA 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 Tumwater, WA
- States 6 years of experience (lender page, 2026-10-09)
- 6
Eric Whitney HexumNMLS 1569697
Guild Mortgage · Kennewick, WA · licensed in 3 states
- Down payment assistance
- DSCR loan
- FHA loan
- First-time buyer
- WA 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 Kennewick, WA
- Licensed since 2021 (per Florida records)
- 7
Carol PopeNMLS 403897
Empire Home Loans · Mortgage broker · Fair Oaks, CA
- Down payment assistance
- FHA loan
- Jumbo loan
- Manufactured home
- WA 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 25 years of experience (lender page, 2026-10-09)
- 8
Nadia RaknaiNMLS 484350
CrossCountry Mortgage · Seattle, WA · licensed in 4 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- VA loan
- WA 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 Seattle, WA
- Licensed since 2025 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 9
Arthur BuhrerNMLS 114080
CrossCountry Mortgage · Sequim, WA · licensed in 14 states
- Down payment assistance
- Real estate investor
- Reverse mortgage
- VA loan
- WA 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 Sequim, WA
- Licensed since 2022 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 10
April JanasNMLS 299013
CrossCountry Mortgage · Puyallup, WA · licensed in 13 states
- Down payment assistance
- Construction loan
- HELOC
- WA 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 Puyallup, WA
- Licensed since 2026 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 11
Duane MartinNMLS 327181
CrossCountry Mortgage · Bothell, WA · licensed in 5 states
- Down payment assistance
- VA loan
- FHA loan
- First-time buyer
- WA 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 Bothell, WA
- States 20 years of experience (lender page, 2026-10-09)
- 12
Grace JonesNMLS 754393
CrossCountry Mortgage · Seattle, WA
- Down payment assistance
- Construction loan
- Jumbo loan
- Non-QM loan
- WA 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 Seattle, WA
- States 25 years of experience (lender page, 2026-10-09)
- 13
Matt ThomasNMLS 96883
CrossCountry Mortgage · Renton, WA · licensed in 2 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Real estate investor
- WA 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 Renton, WA
- States 19 years of experience (lender page, 2026-10-09)
- 14
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- Jumbo loan
- Physician and medical professional
- WA 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 17 years of experience (lender page, 2026-10-09)
- 15
Tiffany Remington-PoleyNMLS 120202
American Pacific Mortgage · Issaquah, WA
- Down payment assistance
- FHA loan
- First-time buyer
- VA loan
- WA 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 Issaquah, WA
- States 20 years of experience (lender page, 2026-10-09)
- 16
Leanne TruongNMLS 1287957
Churchill Mortgage · Renton, WA · licensed in 4 states
- Down payment assistance
- FHA loan
- VA loan
- Real estate investor
- WA 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 Renton, WA
- States 10 years of experience (lender page, 2026-10-09)
- 17
George PressleyNMLS 94040
Loan Factory · Mortgage broker · Washington
- Down payment assistance
- 1099 income
- Asset-based qualifying
- Bank statement loan
- WA 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 Washington
- States 30 years of experience (lender page, 2026-10-09)
- 18
Jared EvensonNMLS 104085
CrossCountry Mortgage · Spokane Valley, WA · licensed in 7 states
- Down payment assistance
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- WA 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 Spokane Valley, WA
- Licensed since 2026 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 19
Stephen BowdonNMLS 583034
Guild Mortgage · Vancouver, WA · licensed in 2 states
- Down payment assistance
- Jumbo loan
- WA 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 Vancouver, WA
- States 16 years of experience (lender page, 2026-10-09)
- 20
Billy McElroyNMLS 48244
CrossCountry Mortgage · Sewell, NJ · licensed in 6 states
- Down payment assistance
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- WA 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 25 years of experience (lender page, 2026-10-09)
- 21
Olivia Cox PaulsonNMLS 209281
Guild Mortgage · Portland, OR · licensed in 5 states
- Down payment assistance
- Asset-based qualifying
- First-time buyer
- Jumbo loan
- WA 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 20 years of experience (lender page, 2026-10-09)
- 22
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Down payment assistance
- Jumbo loan
- Non-QM loan
- VA loan
- WA 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 22 years of experience (lender page, 2026-10-09)
- 23
Joanne RogersNMLS 223618
CrossCountry Mortgage · Deerfield, IL · licensed in 11 states
- Down payment assistance
- Real estate investor
- VA loan
- First-time buyer
- WA 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 23 years of experience (lender page, 2026-10-09)
- 24
Julie GlasscoNMLS 378177
CrossCountry Mortgage · Eagle, ID · licensed in 5 states
- Down payment assistance
- VA loan
- First-time buyer
- WA 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 20 years of experience (lender page, 2026-10-09)
- 25
Don GarrettNMLS 418862
Guild Mortgage · Portland, OR · licensed in 4 states
- Down payment assistance
- Jumbo loan
- WA 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 30 years of experience (lender page, 2026-10-09)
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 WA license is confirmed with the state regulator (check mark), WA 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.