Janet Knutsen

Senior Loan Officer
NMLS # 501021
State Lic VT #VT501021

I am a 35- year veteran of the mortgage industry. My career has ranged from servicing, processing, underwriting, originating, and managing. I have experienced all facets of the real estate and credit markets up and downs. I pride myself on not being just an application taker, but an educator and trusted advocate in home finance to my customers.

I joined Academy because of its strong reputation for integrity—based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools. Our loans are processed locally by very experienced processors, as a result, we have a proven track record of closing loans as quickly and efficiently as possible

I will be in control of your loan file from start to finish, and I will be up—to—date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put my 35 years of mortgage experience to the test. Let me show you how simple and easy securing a mortgage can be.

Your Home Value

Find out what your current home is worth.

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize


Renovation Loans


Welcome to Academy Mortgage

All very professional and very hard working

—Michael Laware

Janet is amazing!!

—Kayla Brooks

Janet has been an incredible source of help during the process. Always prompt with her replies, and always ready with the information we needed! She is a great asset to your company.

—Daniel Maher

Working with Janet was very easy. I had MANY questions and she answered them quickly and thoroughly.

—Charlene Brennock

Very Pleased with our experience with Janet Knutsen and Mechelle LeClair. We appreciated the open communication, and their prompt actions to all of our concerns along the way. The turnaround time frame to meet our needs was amazing and we are so grateful for all their efforts. We love our new place, and we are so happy to have made this connection!

—Heather Coupal

They were very patient and helpful with my first time home buyer stress and freak outs.

—Dean Shepard

Janet was always willing to speak with us during the process and explain things, sometimes more than once. We also appreciate the milestone emails letting us know our loan had advanced to the next stage.

—Roger Sramkoski

They were there to help every step of the way.

—Anita Sartwell

Very pleased with the prompt and professional service. Like how everything is explained so its easy to understand and feel like I'm an individual not just a number. Highly recommend Janet Knutsen and Academy Mortgage for all your mortgage needs!!!

—Keith Purdue

Learned a lot, wasn't stressful and very kind to work with. Made buying a home feel like a breeze.

—Corey Knutsen

Janet was amazing I enjoyed working with her!

—Susan Bessette

Ms Knutsen did an outstanding job. She kept me informed and connected throughout the process.

—Sean Galvin

Janet Knutsen was absolutely amazing through the entire process. As first time home buyers we needed a lot of attention and had a lot of questions. Janet was there to aid and answer every time we called or emailed. She usually responded within 15 minutes. She was by far more knowledgeable in the mortgage process than any other mortgage officer we talked to. If we are to ever move again Janet will be our first call.

—Jason Mills

Great service helped every step of the way

—Bobby Desrochers

Janet Knutsen was very professional through the process! Very nice lady.

—Daniel Comstock

Janet was efficient and great to work with.

—Daniel Cotter

Janet was an absolute pleasure to work with. We came into home buying a little scared because of what people have told us about their experience. I can happily say that the whole process was much easier than anticipated. Janet made everything very stress-free and painless. Thank you so much! -Branden

—Brandon Martin

We are beyond satisfied with our exprience with academy.

—Thomas Brooks

Janet built a non traditional credit report for my buyers and we closed a week early. We had a very smooth transaction!


The whole process was very smooth and everyone we worked with was very helpful.

—Christopher LaPan

Very fast and quick reply's to questions or concerns that may arise. Worked at getting things done to make the process smoother.

—Shannon McGillis

Academy helped to make a stressful situation a lot less stressful. They answered every question we had even if asked several times! Thank you again. Lee and laurie. Highgate , Vermont

—Laurie Geraw

I can say it was a pleasure working with Janet throughout the whole process being buying a new house is one of the most stressful things anyone can go through and if I had questions Janet always took the time to answer them. Thank you very much.

—Patrick Parah

Janet was fantastic, always available to answer questions I had and to explain everything.

—Gina Trevail

Janet was always available when I needed her. She was a pleasure to work with and I would highly recommend her to others.

—Lisa Weaver

Great experience as first time homebuyers! Everything was explained well and all questions were answered, even nights and weekends!

—Brittany Lapan

Janet was very responsive throughout the entire home buying process.

—Mark Barnes

Janet Knutsen and the entire team at Academy made out home buying experience an absolute breeze. Communication was great, status updates were frequent, and we were able to close on time. I can't recommend Janet and the rest of the Academy team highly enough. Thank you for making our 2nd home dream a reality!

—Mary Camp

Janet is amazing! I'm not an easy person to work with and she has been great at answering all of my questions quickly!

—Tanya & Travis

Janet Knutsen was very helpful!

—Rebecca Bowser

Everyone was very receptive to my calls and emails and responded within a reasonable amount of time. Janet was amazing and I really felt that she cared about our transaction. Great experience!

—Tanya B.

Janet Knutsen was awesome to work with. She made the process much less intimidating for my wife and I as first time home buyers.

—Dylan Newton

You guys made an extremely stressful process (home buying) very easy to do and supported us by answering questions, taking the time to calm us down when we were "panicking" and just being great people!! Thank you so much!!

—Ryon Schuller

I could not say enough about Janet and my overall experience. She was very responsive, helpful, and I just could not have had a better experience. Whether it was a weekend or late night, she responded. I never imagined the mortgage process could go so smoothly.

—Dustin Partlow

Quick and easy. All my questions were answered in a timely manner. Very pleased.

—John Legault

Janet went above and beyond her job to make an impossible task possible! She kept pulling rabbits out of her hat!

—Shawn Neill

It was a very quick and easy loan process...Janet knutsen,Kristine Stella and JoAnn Bechard are truly amazing

—Billiejo Taylor