Borrower situations · Vermont
Loan officers for first-time buyers in Vermont
As of 2026-10-09, LenDb lists 41 loan officers licensed in or based in Vermont whose lender pages show First-time buyer work. The top-ranked are Fred Damore (Fairway Independent Mortgage Corporation, Methuen), Chad Rankin (Guild Mortgage, Worcester) and Dawn Schowalter (Guild Mortgage, Richmond). 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
Fred DamoreNMLS 4395
Fairway Independent Mortgage Corporation · Methuen, MA · licensed in 4 states
- First-time buyer
- FHA loan
- Jumbo loan
- Real estate investor
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Dawn SchowalterNMLS 211115
Guild Mortgage · Richmond, VA · licensed in 13 states
- First-time buyer
- Reverse mortgage
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 4
Jevon RobertsonNMLS 763752
LeaderOne Financial · Oak Brook, IL · licensed in 7 states
- First-time buyer
- Down payment assistance
- Real estate investor
- Self-employed
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 30 years of experience (lender page, 2026-10-09)
- 5
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 6
Mike MalinowskiNMLS 2056533
Guild Mortgage · Colchester, VT
- First-time buyer
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Colchester, VT
- States 6 years of experience (lender page, 2026-10-09)
- 7
Nick ClarkeNMLS 998103
CrossCountry Mortgage · Marshfield, MA · licensed in 11 states
- First-time buyer
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 8
George KomoroskiNMLS 16721
Total Mortgage Services · Milford, CT · licensed in 16 states
- First-time buyer
- FHA loan
- Jumbo loan
- VA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 9
Lori JuleNMLS 190409
Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states
- First-time buyer
- FHA loan
- Jumbo loan
- USDA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 10
Sherri WadeNMLS 1456585
Homestead Funding · Albany, NY · licensed in 2 states
- First-time buyer
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 10 years of experience (lender page, 2026-10-09)
- 11
Colby BoppelNMLS 1713611
Total Mortgage Services · Bedford, NH · licensed in 6 states
- First-time buyer
- FHA loan
- Non-QM loan
- VA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 12
Todd McDermottNMLS 63690
Homestead Funding · Goshen, NY · licensed in 9 states
- First-time buyer
- FHA loan
- Renovation loan (203k / HomeStyle)
- USDA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- 13
Stacy RileyNMLS 750413
Total Mortgage Services · Niantic, CT · licensed in 6 states
- First-time buyer
- FHA loan
- VA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 14
Richard BreedNMLS 704369
Total Mortgage Services · West Hartford, CT · licensed in 8 states
- First-time buyer
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 15
Shawn DurantNMLS 221971
American Pacific Mortgage · Roseville, CA · licensed in 45 states
- First-time buyer
- FHA loan
- Real estate investor
- Renovation loan (203k / HomeStyle)
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- 16
Shane HigginsNMLS 2020715
Total Mortgage Services · Milford, CT · licensed in 7 states
- First-time buyer
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 17
Nancy RosenfeldNMLS 1249322
Atlantic Coast Mortgage · Huntersville, NC · licensed in 13 states
- First-time buyer
- FHA loan
- VA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- 18
David HoganNMLS 474207
CrossCountry Mortgage · South Burlington, VT
- First-time buyer
- FHA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in South Burlington, VT
- States 20 years of experience (lender page, 2026-10-09)
- 19
Evan KutnerNMLS 19441
CrossCountry Mortgage · Union, NJ · licensed in 12 states
- First-time buyer
- FHA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 20
George KoutsosNMLS 29613
CrossCountry Mortgage · Beverly, MA · licensed in 15 states
- First-time buyer
- Down payment assistance
- Jumbo loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- States 35 years of experience (lender page, 2026-10-09)
- 21
Eric AbenaimNMLS 42771
CrossCountry Mortgage · Wilmington, MA · licensed in 8 states
- First-time buyer
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 22
Chris DevinNMLS 47305
CrossCountry Mortgage · Norwell, MA · licensed in 21 states
- First-time buyer
- Jumbo loan
- VA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 23
Frank CimpermanNMLS 194237
CrossCountry Mortgage · Cleveland, OH · licensed in 50 states
- First-time buyer
- FHA loan
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 24
Mike ZahorchakNMLS 47492
CrossCountry Mortgage · Cleveland, OH · licensed in 51 states
- First-time buyer
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 25
Christopher KeelinNMLS 63764
CrossCountry Mortgage · Denville, NJ · licensed in 42 states
- First-time buyer
- HELOC
- VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
Before you choose
The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.
- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?
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 VT license is confirmed with the state regulator (check mark), VT 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=first-time-buyer&state=VT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.