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

# 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.

## Ranked, with reasons

1. **[Fred Damore](https://lendb.ai/lo/fred-damore-4395)** (NMLS 4395), Fairway Independent Mortgage Corporation, Methuen, MA
   - 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. **[Lori Jule](https://lendb.ai/lo/lori-jule-190409)** (NMLS 190409), Atlantic Coast Mortgage, Fairfax, VA
   - 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. **[Terry T. Terzakis](https://lendb.ai/lo/terry-terzakis-110369)** (NMLS 110369), Homestead Funding, North Haven, CT
   - 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. **[Sarah Haberkorn](https://lendb.ai/lo/sarah-haberkorn-42492)** (NMLS 42492), Envoy Mortgage, Dover, NH
   - 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. **[Todd McDermott](https://lendb.ai/lo/todd-mcdermott-63690)** (NMLS 63690), Homestead Funding, Goshen, NY
   - 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. **[Shannon Odom](https://lendb.ai/lo/shannon-odom-509649)** (NMLS 509649), LeaderOne Financial, Bangor, ME
   - 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. **[Shawn Durant](https://lendb.ai/lo/shawn-durant-221971)** (NMLS 221971), American Pacific Mortgage, Roseville, CA
   - 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. **[Matthew Brown](https://lendb.ai/lo/matthew-brown-1254520)** (NMLS 1254520), Loan Factory, Austin, TX
   - 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. **[Christine Intrabartola](https://lendb.ai/lo/christine-intrabartola-22783)** (NMLS 22783), Embrace Home Loans, Melville, NY
   - 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. **[Richard Ricky Jarvis](https://lendb.ai/lo/richard-jarvis-1301286)** (NMLS 1301286), Embrace Home Loans, Melville, NY
   - 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

## Questions to ask

- 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?

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

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