Loan programs · West Virginia

Down payment assistance loan officers in West Virginia

As of 2026-10-09, LenDb lists 14 loan officers licensed in or based in West Virginia whose lender pages show Down payment assistance work. The top-ranked are Mark Niosi (CrossCountry Mortgage, Dunkirk), Danny Hembach (Guild Mortgage, Arlington) and Mike Filan (CrossCountry Mortgage, Fairfax). Ranking is lender-neutral: specialty evidence first, then a license in WV, 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 14

  1. 1

    Mark NiosiNMLS 216306

    CrossCountry Mortgage · Dunkirk, MD · licensed in 9 states

    • Down payment assistance
    • Low credit score
    • First-time buyer
    • Real estate investor
    • WV 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)
  2. 2

    Danny HembachNMLS 1533678

    Guild Mortgage · Arlington, VA · licensed in 5 states

    • Down payment assistance
    • First-time buyer
    • WV 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 10 years of experience (lender page, 2026-10-09)
  3. 3

    Mike FilanNMLS 659409

    CrossCountry Mortgage · Fairfax, VA · licensed in 8 states

    • Down payment assistance
    • First-time buyer
    • WV 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 2024 (per Colorado records)
    • States 24 years of experience (lender page, 2026-10-09)
  4. 4

    Mark LynchNMLS 22882

    Guild Mortgage · Winchester, VA · licensed in 6 states

    • Down payment assistance
    • WV 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 2019 (per Florida records)
  5. 5

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • Down payment assistance
    • Physician and medical professional
    • HELOC
    • Self-employed
    • WV 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)
  6. 6

    Miriam CarterNMLS 626707

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Barboursville, WV

    • Down payment assistance
    • Co-op
    • Condo
    • VA loan
    • 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 Barboursville, WV
  7. 7

    Nestor GotayNMLS 1140480

    Guild Mortgage · Winchester, VA · licensed in 3 states

    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • WV 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)
  8. 8

    Adam CrumNMLS 1787074

    CrossCountry Mortgage · Martinsburg, WV · licensed in 6 states

    • Down payment assistance
    • USDA loan
    • VA loan
    • FHA loan
    • WV 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 Martinsburg, WV
    • Licensed since 2026 (per Florida records)
  9. 9

    Jackie BarrettNMLS 2397839

    CrossCountry Mortgage · Martinsburg, WV · licensed in 3 states

    • Down payment assistance
    • First-time buyer
    • WV 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 Martinsburg, WV
  10. 10

    Bryan BatesNMLS 868451

    CrossCountry Mortgage · Martinsburg, WV · licensed in 3 states

    • Down payment assistance
    • USDA loan
    • FHA loan
    • First-time buyer
    • WV 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 Martinsburg, WV
  11. 11

    Scott BrookshireNMLS 198834

    CrossCountry Mortgage · Winchester, VA · licensed in 9 states

    • Down payment assistance
    • Non-QM loan
    • First-time buyer
    • WV 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)
  12. 12

    Katie MoodyNMLS 1658706

    CrossCountry Mortgage · Winchester, VA · licensed in 5 states

    • Down payment assistance
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • WV 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)
  13. 13

    Paula BrownNMLS 414569

    First Citizens Bank · Bank · Roanoke, VA · licensed in 2 states

    • Down payment assistance
    • VA loan
    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • WV 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 40 years of experience (lender page, 2026-10-09)
  14. 14

    Teyona StewartNMLS 2215853

    First Citizens Bank · Bank · La Jolla, CA · licensed in 35 states

    • Down payment assistance
    • FHA loan
    • Physician and medical professional
    • VA loan
    • WV 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)

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?

More about Down payment assistance

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 WV license is confirmed with the state regulator (check mark), WV 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=WV. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.