---
canonical_url: https://lendb.ai/s/down-payment-assistance/west-virginia
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: December 23, 2020 (Florida), per state regulator
   - States 24 years of experience (lender page, 2026-10-09)
2. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: April 14, 2020 (Florida), per state regulator
   - States 10 years of experience (lender page, 2026-10-09)
3. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 22, 2024 (Colorado), per state regulator
   - States 24 years of experience (lender page, 2026-10-09)
4. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: August 23, 2019 (Florida), per state regulator
5. **[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)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
6. **[Miriam Carter](https://lendb.ai/lo/miriam-carter-626707)** (NMLS 626707), JPMorgan Chase Bank (Chase Home Lending), Barboursville, WV
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - Office in Barboursville, WV
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
7. **[Nestor Gotay](https://lendb.ai/lo/nestor-gotay-1140480)** (NMLS 1140480), Guild Mortgage, Winchester, VA
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
8. **[Adam Crum](https://lendb.ai/lo/adam-crum-1787074)** (NMLS 1787074), CrossCountry Mortgage, Martinsburg, WV
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - Office in Martinsburg, WV
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: April 10, 2026 (Florida), per state regulator
9. **[Jackie Barrett](https://lendb.ai/lo/jackie-barrett-2397839)** (NMLS 2397839), CrossCountry Mortgage, Martinsburg, WV
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - Office in Martinsburg, WV
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
10. **[Bryan Bates](https://lendb.ai/lo/bryan-bates-868451)** (NMLS 868451), CrossCountry Mortgage, Martinsburg, WV
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - Office in Martinsburg, WV
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
11. **[Scott Brookshire](https://lendb.ai/lo/dennis-brookshire-198834)** (NMLS 198834), CrossCountry Mortgage, Winchester, VA
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: December 20, 2023 (Florida), per state regulator
12. **[Katie Moody](https://lendb.ai/lo/katherine-moody-1658706)** (NMLS 1658706), CrossCountry Mortgage, Winchester, VA
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 25, 2025 (Florida), per state regulator
13. **[Paula Brown](https://lendb.ai/lo/paula-brown-414569)** (NMLS 414569), First Citizens Bank, Roanoke, VA
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 40 years of experience (lender page, 2026-10-09)
14. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA
   - Lists Down payment assistance on lender page (lender page, verified 2026-10-09)
   - WV listed on their lender page (not yet checked with the state regulator; 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/west-virginia.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._