LenDb.ai

Loan programs · Vermont

FHA loan officers in Vermont

As of 2026-10-09, LenDb lists 30 loan officers licensed in or based in Vermont whose lender pages show FHA loan work. The top-ranked are Fred Damore (Fairway Independent Mortgage Corporation, Methuen), Lori Jule (Atlantic Coast Mortgage, Fairfax) and George Komoroski (Total Mortgage Services, Milford). Ranking is lender-neutral: specialty evidence first, then a license in VT, 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. 1

    Fred DamoreNMLS 4395

    Fairway Independent Mortgage Corporation · Methuen, MA · licensed in 4 states

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  2. 2

    Lori JuleNMLS 190409

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states

    • FHA loan
    • Jumbo loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    George KomoroskiNMLS 16721

    Total Mortgage Services · Milford, CT · licensed in 16 states

    • FHA loan
    • First-time buyer
    • Jumbo loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Terry T. TerzakisNMLS 110369

    Homestead Funding · North Haven, CT · licensed in 12 states

    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Colby BoppelNMLS 1713611

    Total Mortgage Services · Bedford, NH · licensed in 6 states

    • FHA loan
    • First-time buyer
    • Non-QM loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Sarah HaberkornNMLS 42492

    Envoy Mortgage · Dover, NH · licensed in 5 states

    • FHA loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Todd McDermottNMLS 63690

    Homestead Funding · Goshen, NY · licensed in 9 states

    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Stacy RileyNMLS 750413

    Total Mortgage Services · Niantic, CT · licensed in 6 states

    • FHA loan
    • First-time buyer
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Domonique GrayNMLS 900558

    Churchill Mortgage · Brentwood, TN · licensed in 31 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Shannon OdomNMLS 509649

    LeaderOne Financial · Bangor, ME · licensed in 13 states

    • FHA loan
    • Non-QM loan
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Jevon RobertsonNMLS 763752

    LeaderOne Financial · Oak Brook, IL · licensed in 7 states

    • FHA loan
    • Down payment assistance
    • First-time buyer
    • Real estate investor
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 30 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  12. 12

    Shawn DurantNMLS 221971

    American Pacific Mortgage · Roseville, CA · licensed in 45 states

    • FHA loan
    • First-time buyer
    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Janet KnutsenNMLS 501021

    Guild Mortgage · Colchester, VT

    • FHA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • Branch in Vermont
    • No disciplinary actions on file at LenDb
  14. 14

    Matthew BrownNMLS 1254520

    Loan Factory · Austin, TX · licensed in 28 states

    • FHA loan
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • HELOC
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    David HoganNMLS 474207

    CrossCountry Mortgage · South Burlington, VT

    • FHA loan
    • Jumbo loan
    • First-time buyer
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Branch in Vermont; no license list on file yet, verify at NMLS Consumer Access
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  16. 16

    Nancy RosenfeldNMLS 1249322

    Atlantic Coast Mortgage · Huntersville, NC · licensed in 13 states

    • FHA loan
    • First-time buyer
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Tracy BolenNMLS 1734508

    American Pacific Mortgage · Roseville, CA · licensed in 51 states

    • FHA loan
    • Jumbo loan
    • New construction
    • Renovation loan (203k / HomeStyle)
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Christine IntrabartolaNMLS 22783

    Embrace Home Loans · Melville, NY · licensed in 7 states

    • FHA loan
    • Down payment assistance
    • USDA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Richard Ricky JarvisNMLS 1301286

    Embrace Home Loans · Melville, NY · licensed in 10 states

    • FHA loan
    • USDA loan
    • VA loan
    • Down payment assistance
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Frank CimpermanNMLS 194237

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • FHA loan
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    Steven CandowNMLS 218530

    CrossCountry Mortgage · Cleveland, OH · licensed in 29 states

    • FHA loan
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Jason NewcomerNMLS 134789

    CrossCountry Mortgage · Denville, NJ · licensed in 30 states

    • FHA loan
    • First-time buyer
    • HELOC
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Evan KutnerNMLS 19441

    CrossCountry Mortgage · Union, NJ · licensed in 12 states

    • FHA loan
    • First-time buyer
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Dina PapantoniouNMLS 45863

    CrossCountry Mortgage · Beverly, MA · licensed in 14 states

    • FHA loan
    • VA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Jordan RomesNMLS 1772021

    CrossCountry Mortgage · Cincinnati, OH · licensed in 46 states

    • FHA loan
    • Lists FHA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VT (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.

  • What minimum credit score do you accept for FHA, with or without overlays?
  • How do you handle FHA appraisal repair requirements?
  • What will mortgage insurance cost over the life of the loan?

More about FHA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in VT or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=fha&state=VT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.