LENDERS & LOAN ORIGINATORS REFERRAL LIST

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Lenders and Loan Originators Referral List

NeighborWorks

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, 110 Marble St, West Rutland, Vt 05777 Great for First Time Buyers

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802-438-2303 x 203 Phone, 438-5338 Fax, Lynette x210

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www.NWWVT.org

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, ngilman@nwwvt.org

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, www.nwwvt.org

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Many decentralized finance users analyze AMM performance and price impact on sites such as raydium exchange before trading.

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Ray Morvan, Sr. Loan Officer, Mortgage Financial, 218 River Street, Springfield, VT 05156, T: 802-885-1212, F: 802-885-1213, > rmorvan@mfsloan.com ———-

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Andy Nazarey, Mortgage Loan Officer, Academy Mortgage Corporation, 401 Watertower Circle, Suite 204, Colchester, VT 05446, Office: (802) 399-2034, ext. 3

Mobile: (802) 355-3379, Andy.Nazarey@AcademyMortgage.com , www.AcademyMortgage.com/andynazarey

LO NMLS #184443 | State Lic #VT184443 | Corp Lic #6289 & 1068 MB | Corp NMLS #3113

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Norm Frates, Mascoma Savings Bank

2588 E Woodstock Rd, Woodstock, VT, 05091, 802-457-1177, Cell 356-0177, norm.frates@mascomabank.com

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Nick Lagasse, Fairway Mtg Corp.

Loan Officer,110 Kimball Ave., Suite 120, South Burlington, VT 05403 Direct 802-327-4823 Cell 603-809-1470

www.NickVThomeLoans.com nick.lagasse@fairwaymc.com

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Steve Reilly, Judi Bailey, David Carbino, Nicole Haley

Heritage Family Credit Union 50 West St, Rutland, Vt 05701, 802-776-2189 Phone, 802-747-7543 Fax, Stephen.Reilly@HFCUVT.com

JudiB@HFCUVT.com <mailto: JudiB@HFCUVT.com

DavidC@HFCUVT.com 802-775-4930

Nicole Haley Nicole.Haley@hfcuvt.com

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AVP Mortgage Originator, Heritage Family Credit Union, 50 West Street, Rutland, Vermont 05701, 802.747.9358, Fax 802.747-7543

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Stan Nowakowski, First Homeland Mortgage

345 Hillwinds Road, Brattleboro, VT 05301 , NMLS #104267 , 802 257 7118, 866 257 7118 (toll free),

802 257 7127 (fax) stan@firsthomeland.com

Licensed by the New Hampshire Banking Department

VT 0251MB & NH 8387-MBR

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Tom Eddy & Or Mark Young

After trying multiple wallets, I prefer using the safepal app for secure, easy cryptocurrency management on my phone.

(Michelle Receptionist) Portfolio Loans, All Loans Kept In House

The First National Bank of Orwell 441 Main St PO Box 38 Orwell, Vt 05760-0038 (802) 948-2811 Phone (802) 948-2309 Fax

msyoung@fnborwell.com Mark Young

teddy@fnborwell.com Tom Eddy

Holds Portfolio loans

Lindsey Wing LWing@FNBOrwell.com, NMLS #491711

Loan Officer

The First National Bank of Orwell

2936 Route 22A, Shoreham, VT 05770

P: (802)897-2265. F: (802)897-5315

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Victoria Blodgett, Loan officer, Prime Lending, A Plains Capital Company,

5 Park St,#3C, Middlebury, VT 05753

Mortgage Consultant, THE Government Loan Specialist

VBlodgett@PrimeLending.com

Mobile: 802.683.8697 www.vbprimelending.com NMLS: 179656

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Joe Tripodi, Mortgage Advisor, KeyBank Mortgage, 80 West Street, Rutland, VT 0501

Telephone: 802 786 0400, Cell: 802 236 9340 FAX: 216-370-6238 > APPLY NOW: http://jtripodi-keylo.mortgagewebcenter.com <http://jtripodi-keylo.mortgagewebcenter.com/> Email Classification: KeyCorp Internal joseph_v_tripodi@keybank.com

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Joe Rodolfy, Home Bridge

87 North Main St Suite 1

Rutland, VT 05701, Office 802-772-7089, Mobile 802 236-0388, E-Fax 866-251-8702

Email: JRodolfy@HomeBridge.com Web: www.HomeBridge.com/josephrodolfy

NMLS id # 138089

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Nicole Haley Residential Lending Sales Officer, People’s United Bank

87 West St, Rutland, Vt. 05701, 802 747-4225 phone, 802 747-4141 fax

Nicole.Haley@peoples.com Nicole.Haley@peoples.com

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Cierra Phelps,Community Bank, N.A.,Mortgage Loan Consultant, Community Bank, N.A. NMLS# 1785331

286 Route 7 South,Rutland, VT 05701, (P) 802-417-7757, (F) 802-747-5005, Cierra.phelps@cbna.com

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Dick Kittredge or Donna Corkum, Kittredge Mortgage Corporation, 123 Bonnet St PO Box 37, Manchester, Vt 05254-0037 802-362-4874 Phone, 802-362-4975 Fax 800-339-8929 Toll Free, KMcMan@Kittmtg.com, www.KittMtg.com Also: In case you are wondering about financing for seasonal camps, it is a cash sale likely event, or an Equity Line of Credit on primary residence or a refi on it pulling out equity from a primary residence or I have found few lenders thus far willing to lend on camps. Their terms are 20% down, 80% loan, the rate floats with Prime rate plus 3%, the total, (at one time the rate was) at 6¼ % for a 30 yr term and a 5 yr balloon with 2 Points on the loan amount, You may contact Dick Kittredge at Kittredge Mortgage at 802-362-4874 or email at KMCMan@KittMtg.com for the most current rates as they are subject to change at any time.

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Daniel Pitner AVP, Mortgage Account Officer NMLS: 885096114 South Village Green Middlebury, VT 05753 Direct: 802-388-8504 Cell: 802-683-4877 Email Me |

Visit My Website Daniel.M.Pitner@wellsfargo.com

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COMMERCIAL LENDING

Peter G. O’Brien, NBT Bank, Community Banker / AVP, 122 West Street,Rutland Vermont 05701

Phone 802 747 6982, Fax 802 747 7254,Cell 802 363 8377 ( Best way to contact me )peter.obrien@nbtbank.com

NMLS ID 696424

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SBA, Multi Purpose, Hospitality, Special Purpose

213-238-5559

LENDERS & LOAN ORIGINATORS REFERRAL LIST

Denise Byers

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