---
canonical_url: https://lendb.ai/s/reverse/vermont
last_verified: 2026-10-09
---

# Reverse mortgage loan officers in Vermont

As of 2026-10-09, LenDb lists 9 loan officers licensed in or based in Vermont whose lender pages show Reverse mortgage work. The top-ranked are Fred Damore (Fairway Independent Mortgage Corporation, Methuen), Michael Charles Galatis (Fairway Independent Mortgage Corporation, Newburyport) 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 Reverse mortgage 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. **[Michael Charles Galatis](https://lendb.ai/lo/michael-galatis-17159)** (NMLS 17159), Fairway Independent Mortgage Corporation, Newburyport, MA
   - Lists Reverse mortgage 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 22 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 Reverse mortgage 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. **[Daniel Ventura](https://lendb.ai/lo/daniel-ventura-19372)** (NMLS 19372), Fairway Independent Mortgage Corporation, Newburyport, MA
   - Lists Reverse mortgage 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 2014 (per Florida records)
   - States 18 years of experience (lender page, 2026-10-09)
5. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA
   - Lists Reverse mortgage 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 2023 (per Florida records)
   - States 28 years of experience (lender page, 2026-10-09)
6. **[Annie L'altrella](https://lendb.ai/lo/ann-l-altrella-133075)** (NMLS 133075), Guild Mortgage, Shelton, CT
   - Lists Reverse mortgage 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)
7. **[Frank Chandler](https://lendb.ai/lo/frank-chandler-1439499)** (NMLS 1439499), Fairway Independent Mortgage Corporation, Foxboro, MA
   - Lists Reverse mortgage 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. **[Chris Downey](https://lendb.ai/lo/christopher-downey-10240)** (NMLS 10240), CrossCountry Mortgage, Norwell, MA
   - Lists Reverse mortgage 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 2026 (per Florida records)
9. **[Garrison Gross, CRMP](https://lendb.ai/lo/garrison-gross-178812)** (NMLS 178812), CrossCountry Mortgage, Purchase, NY
   - Lists Reverse mortgage 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 2014 (per Florida records)

## Questions to ask

- Are you a reverse mortgage specialist, and how many have you closed?
- What are the total costs, including mortgage insurance?
- What happens to the home for my heirs?

Cite as: LenDb.ai, https://lendb.ai/s/reverse/vermont.

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