Vermont native and Union Bank loan officer, providing personalized mortgage solutions since 1891. I offer 7-day availability (8am-9pm) to guide you through every step. Specializing in first-time homebuyer programs with up to 100% financing, plus Conventional, Portfolio, Land, Construction, Home Equity, RD, VHFA, FHA, and VA loans. Recognized as 2013 RD Lender of the Year. Benefit from local servicing and quick, local loan decisions. Contact me today!