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Loan programs · Vermont

USDA loan officers in Vermont

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Vermont whose lender pages show USDA loan work. The top-ranked are Fred Damore (Fairway Independent Mortgage Corporation, Methuen), Lori Jule (Atlantic Coast Mortgage, Fairfax) and Terry T. Terzakis (Homestead Funding, North Haven). 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 10

  1. 1

    Fred DamoreNMLS 4395

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

    • USDA loan
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists USDA 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

    • USDA loan
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists USDA 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

    Terry T. TerzakisNMLS 110369

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

    • USDA loan
    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists USDA 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
  4. 4

    Sarah HaberkornNMLS 42492

    Envoy Mortgage · Dover, NH · licensed in 5 states

    • USDA loan
    • FHA loan
    • VA loan
    • Lists USDA 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
  5. 5

    Todd McDermottNMLS 63690

    Homestead Funding · Goshen, NY · licensed in 9 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • Lists USDA 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
  6. 6

    Shannon OdomNMLS 509649

    LeaderOne Financial · Bangor, ME · licensed in 13 states

    • USDA loan
    • FHA loan
    • Non-QM loan
    • VA loan
    • Lists USDA 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
  7. 7

    Shawn DurantNMLS 221971

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

    • USDA loan
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists USDA 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
  8. 8

    Matthew BrownNMLS 1254520

    Loan Factory · Austin, TX · licensed in 28 states

    • USDA loan
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists USDA 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
  9. 9

    Christine IntrabartolaNMLS 22783

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

    • USDA loan
    • Down payment assistance
    • FHA loan
    • VA loan
    • Lists USDA 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
  10. 10

    Richard Ricky JarvisNMLS 1301286

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

    • USDA loan
    • FHA loan
    • VA loan
    • Down payment assistance
    • Lists USDA 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

Before you choose

Property location and household income limits must both qualify, and USDA approval adds time to the closing.

  • Is this address in a USDA eligible area?
  • Does my household income fall under the limit for this county?
  • How long does USDA approval take with you right now?

More about USDA 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=usda&state=VT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.