As a licensed producing branch manager, with over 30 years experience, you can rest assured you're working with the right mortgage officer. If you're a first time home buyer wondering where to start, you've come to the right place. Our list of first time home-buyer programs include FHA, USDA's Rural Housing, VA, VHFA (Vermont Housing) including their assist option offering up to $5,000 in assistance to home buyers that qualify. We also have Fannie Mae's Homeready program, and of course the traditional conventional loan with Private Mortgage Insurance. Academy offers a wide array of PMI options that may lower your monthly payment. For those looking to buy up, buy down, purchase a second home, or an investment property, Academy has the programs and I have experience to navigate the process smoothly. You'll get honest answers and straightforward information to help you make an informed decision. For those homeowners interested in exploring the benefits of refinancing, let's take the time to discuss your options. .

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