Loan programs · Wyoming
Down payment assistance loan officers in Wyoming
As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Wyoming whose lender pages show Down payment assistance work. The top-ranked are Shawn Garner (Guild Mortgage, Centennial), Iris Legaspi (First Citizens Bank, San Diego) and Lenae Vandegrift (American Pacific Mortgage, Thornton). Ranking is lender-neutral: specialty evidence first, then a license in WY, 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 16
- 1
Shawn GarnerNMLS 1035302
Guild Mortgage · Centennial, CO · licensed in 6 states
- Down payment assistance
- First-time buyer
- WY 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 2013 (per Colorado records)
- 2
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
- WY 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)
- 3
Lenae VandegriftNMLS 649456
American Pacific Mortgage · Thornton, CO · licensed in 10 states
- Down payment assistance
- First-time buyer
- Real estate investor
- Self-employed
- WY 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 2016 (per Colorado records)
- 4
Erin HendricksNMLS 90634
Intercap Lending · Pleasant Grove, UT · licensed in 22 states
- Down payment assistance
- FHA loan
- First-time buyer
- New construction
- WY 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 20 years of experience (lender page, 2026-10-09)
- 5
Matt BarrettNMLS 258528
Intercap Lending · Cottonwood Heights, UT · licensed in 19 states
- Down payment assistance
- FHA loan
- Real estate investor
- USDA loan
- WY 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 20 years of experience (lender page, 2026-10-09)
- 6
Andre YarinaNMLS 1408534
CrossCountry Mortgage · Cleveland, OH · licensed in 35 states
- Down payment assistance
- WY 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 2017 (per Florida records)
- 7
Michelle KrusmarkNMLS 2717683
Xpert Home Lending · Mortgage broker · licensed in 3 states
- Down payment assistance
- FHA loan
- HELOC
- Jumbo loan
- WY 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 Colorado records)
- 8
Brent RoseNMLS 308611
Intercap Lending · Pleasant Grove, UT · licensed in 4 states
- Down payment assistance
- Bank statement loan
- Jumbo loan
- Non-QM loan
- WY 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 2012 (per Florida records)
- 9
Court CrofootNMLS 200175
CrossCountry Mortgage · Scottsdale, AZ · licensed in 11 states
- Down payment assistance
- Co-op
- Condo
- Construction loan
- WY 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 Florida records)
- 10
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Down payment assistance
- Bank statement loan
- DSCR loan
- FHA loan
- WY 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)
- 11
Teyona StewartNMLS 2215853
First Citizens Bank · Bank · La Jolla, CA · licensed in 35 states
- Down payment assistance
- First-time buyer
- FHA loan
- HELOC
- WY 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)
- 12
Troy BaldwinNMLS 2152192
Guild Mortgage · Fort Collins, CO · licensed in 3 states
- Down payment assistance
- First-time buyer
- Reverse mortgage
- WY 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 Colorado records)
- States 30 years of experience (lender page, 2026-10-09)
- 13
Brett MillsNMLS 11431
Guild Mortgage · Clearfield, UT · licensed in 7 states
- Down payment assistance
- Reverse mortgage
- VA loan
- WY 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 Colorado records)
- 14
Joseph Michael PatteeNMLS 7464
Guild Mortgage · Boise, ID · licensed in 8 states
- Down payment assistance
- Reverse mortgage
- VA loan
- WY 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 Colorado records)
- 15
Pete JacobNMLS 305284
Guild Mortgage · Midvale, UT · licensed in 4 states
- Down payment assistance
- WY 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)
- 16
Jim WilsonNMLS 404690
Guild Mortgage · South Ogden, UT · licensed in 3 states
- Down payment assistance
- Jumbo loan
- VA loan
- WY 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?
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 WY license is confirmed with the state regulator (check mark), WY 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=WY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.