---
canonical_url: https://lendb.ai/s/first-time-buyer/vermont
last_verified: 2026-10-09
---

# Loan officers for first-time buyers in Vermont

As of 2026-10-09, LenDb lists 33 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.

## Ranked, with reasons

1. **[Fred Damore](https://lendb.ai/lo/fred-damore-4395)** (NMLS 4395), Fairway Independent Mortgage Corporation, Methuen, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 30 years of experience (lender page, 2026-10-09)
2. **[Chad Rankin](https://lendb.ai/lo/robert-rankin-490282)** (NMLS 490282), Guild Mortgage, Worcester, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
3. **[Dawn Schowalter](https://lendb.ai/lo/dawn-schowalter-211115)** (NMLS 211115), Guild Mortgage, Richmond, VA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
4. **[Mike Malinowski](https://lendb.ai/lo/mike-malinowski-2056533)** (NMLS 2056533), Guild Mortgage, Colchester, VT
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in Colchester, VT
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 6 years of experience (lender page, 2026-10-09)
5. **[Nick Clarke](https://lendb.ai/lo/nicholas-clarke-998103)** (NMLS 998103), CrossCountry Mortgage, Marshfield, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
6. **[Sherri Wade](https://lendb.ai/lo/sherri-wade-1456585)** (NMLS 1456585), Homestead Funding, Albany, NY
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 10 years of experience (lender page, 2026-10-09)
7. **[Richard Breed](https://lendb.ai/lo/richard-breed-704369)** (NMLS 704369), Total Mortgage Services, West Hartford, CT
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
8. **[Todd McDermott](https://lendb.ai/lo/todd-mcdermott-63690)** (NMLS 63690), Homestead Funding, Goshen, NY
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
9. **[Shane Higgins](https://lendb.ai/lo/shane-higgins-2020715)** (NMLS 2020715), Total Mortgage Services, Milford, CT
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
10. **[David Hogan](https://lendb.ai/lo/david-hogan-474207)** (NMLS 474207), CrossCountry Mortgage, South Burlington, VT
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in South Burlington, VT
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)
11. **[Evan Kutner](https://lendb.ai/lo/evan-kutner-19441)** (NMLS 19441), CrossCountry Mortgage, Union, NJ
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
12. **[George Koutsos](https://lendb.ai/lo/george-koutsos-29613)** (NMLS 29613), CrossCountry Mortgage, Beverly, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2013 (per Florida records)
   - States 35 years of experience (lender page, 2026-10-09)
13. **[Eric Abenaim](https://lendb.ai/lo/eric-abenaim-42771)** (NMLS 42771), CrossCountry Mortgage, Wilmington, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
14. **[Chris Devin](https://lendb.ai/lo/christopher-devin-47305)** (NMLS 47305), CrossCountry Mortgage, Norwell, MA
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
15. **[Frank Cimperman](https://lendb.ai/lo/frank-cimperman-194237)** (NMLS 194237), CrossCountry Mortgage, Cleveland, OH
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
16. **[Mike Zahorchak](https://lendb.ai/lo/michael-zahorchak-47492)** (NMLS 47492), CrossCountry Mortgage, Cleveland, OH
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2011 (per Florida records)
17. **[Christopher Keelin](https://lendb.ai/lo/christopher-keelin-63764)** (NMLS 63764), CrossCountry Mortgage, Denville, NJ
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2011 (per Florida records)
18. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
   - States 13 years of experience (lender page, 2026-10-09)
19. **[Steven Candow](https://lendb.ai/lo/steven-candow-218530)** (NMLS 218530), CrossCountry Mortgage, Cleveland, OH
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
20. **[Justin Lieberman](https://lendb.ai/lo/justin-lieberman-17836)** (NMLS 17836), CrossCountry Mortgage, Union, NJ
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Florida records)
   - States 10 years of experience (lender page, 2026-10-09)
21. **[Justin Mead](https://lendb.ai/lo/justin-mead-1656276)** (NMLS 1656276), CrossCountry Mortgage, South Burlington, VT
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - Office in South Burlington, VT
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
22. **[Peter Costakos](https://lendb.ai/lo/peter-costakos-139540)** (NMLS 139540), CrossCountry Mortgage, Purchase, NY
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
23. **[Jay Tolisano](https://lendb.ai/lo/jason-tolisano-109296)** (NMLS 109296), CrossCountry Mortgage, Fairfield, CT
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
24. **[David Bletsh](https://lendb.ai/lo/david-bletsh-382600)** (NMLS 382600), CrossCountry Mortgage, Cleveland, OH
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Colorado records)
25. **[Erik Johnson](https://lendb.ai/lo/erik-johnson-729262)** (NMLS 729262), CrossCountry Mortgage, White Plains, NY
   - Lists First-time buyer on lender page (lender page, verified 2026-10-09)
   - VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/first-time-buyer/vermont.

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