Vermont Mortgage Bankers Association
ABX Title/Unsworth Barra & Jarrett
P. O. Box 123
Essex Junction,VT  05452
Phone: (802) 879-7106
Fax: (802) 879-0408
Legal Services
Contact: Steven E. Sultan   ssultan@abxtitle.com

Access Mortgage & Insurance, LLC
80 Midas Drive, 3rd Floor
South Burlington, VT  05403
Phone:  802-864-6962
Fax:  802-864-6955
Mortgage Broker & Insurance Broker
Contact:  Jeff Robbins   jeff@accessvt.net


TD Banknorth Mortgage
P.O. Box 5119
Burlington, VT  05402
Phone: (800) 358-2651
Website: www.TDBanknorth.com
Mortgage Banking
Contact: Helen Pinan  Helen.Pinan@TDBanknorth.com

Bergeron, Paradis, Fitzpatrick & Smith
P. O. Box 174
Essex Junction,VT  05453
Phone: (802) 879-6304
Fax: (802) 879-6533
Legal Services
Contact: Edward Fitzpatrick    

Berkshire Bank
P. O. Box 1567
Manchester, VT  05255
Phone: (802) 549-5285
Fax: (802) 549-5281
Mortgage Banker
Contact:  ncowlin@berkshirebank.com

David C. Carter, PC
6 South Street
South Hero,VT  05486
Phone: (802) 372-4610
Attorneys
Contact: David Carter        dcarter@usa.net


Chicago Title Insurance Company
3 North Park Drive
Montpelier,VT  05602
Phone: (802) 223-3063
Fax: (802) 223-2916
Title Companies
Website: www.cticne.com
Contact: Amanda See Tucker  tuckera@ctt.com

Chittenden Bank
150 Bank Street
Burlington, VT  05401
Phone: (802) 660-1583
Website:  www.chittenden.com
Mortgage Banking
Contacts:
Janet Knutsen, CMP    jknutsen@chittenden.com
Nicole Hayes, CMP      nhayes@chittenden.com
Christie Mitchell, CMP    cmitchell@chittenden.com
Kellie Stoll, CMP   kstoll@chittenden.com
Brattleboro Branch
Cathy Eakins, CMP    ceakins@chittenden.com
Middlebury Branch
Michelle Shambo, CMP  mshambo@chittenden.com

CMA Appraisals, Inc.
565 Barnes Road
Montpelier,VT  05602
Phone: (802) 223-5770
Fax: (802) 223-5771
Appraisal Services
Contact: Guy Andrews            guy@cma-vt.com

Community National Bank
P. O. Box 259
Derby,VT  05829
Phone: (802) 334-7915
Fax: (802) 334-8266
Mortgage Banking
Website: www.communitynationalbank.com
Contact: Bonnie Currier  bcurrier@communitynationalbank.com

Coombs, Davis & Hill, LLP.
P. O. Box 1079
Williston,VT  05495
Phone: (802) 879-1440
Fax: (802) 879-0510
Website: www.coombsdavishill.com
Legal Services
Contact: Fred Coombs            fred@coombsdavishill.com

Countrywide Home Loans
876 Roosevelt Hwy, Suite 220
Colchester, VT 05447
Phone: (802) 651-8918  
Fax: (802) 862-5571
Mortgage Banking
Website: www.countrywidemortgage.com
Contact:   Loreen Butler  lorene_butler@countrywide.com

CTX Mortgage
62 Tilley Dr.
So. Burlington, VT  05403
Phone: (802) 846-2891
Fax: (802) 846-2894
Mortgage Banking
Website: www.ctxmort.com
Contact: PJ McHenry    Patrick_Mchenry@ctxmort.com

Dolan Appraisal Service
2 Cascade Court
Essex Junction,VT  05452
Phone: (802) 878-1480
Fax: (802) 879-3669
Appraisal Services
Contact: John Dolan     jdolandas@adelphia.net

Eastern Mountain Mortgage
P. O. Box 27
Woodstock,VT  05091
Phone: (802) 457-1177
Fax: (802) 457-1215
Mortgage Broker
Contact: Norm Frates emmcmoney@aol.com

Express Mortgage Corp.
121 Connor Way, Ste. 270
Williston, VT  05495
Phone: (802) 879-8390
Fax: (802) 879-7683
Mortgage Broker
Website: www.expressmortgagecorp.com
Contact: Mark Stanton, CMP          mark@expressmortgagecorp.com


First American Title Insurance Co.
P. O. Box 1509
Burlington,VT  05402-1509
Phone: (802)  658-8717
Fax: (802) 658-8779
Website: www.firstam.com/faf/html/corpdir/html/tivt.html
Title Companies
Contact: Harland L. Miller III, Esq.      hmiller@firstam.com


Lake Sunapee Bank
P. O. Box 30, 1 Bond St.
Woodstock,VT  05091
Phone: (802) 457-4500
Fax: (802) 457-4605
Mortgage Banking
Website: www.firstcommunitybankvt.com
Contact: Ken Howe    khowe@fcbvt.com

First Homeland Mortgage, LLC
345 Hillwinds
Brattleboro,VT  05301
Phone: (802) 257-7118/cell 254-1557
Fax: (802)  257-7127
Mortgage Broker
Website: www.firsthomeland.com
Contact: Stan Nowakowski     stan@firsthomeland.com

Freddie Mac
11 Fernwood Drive
Merrimack,NH  03054
Phone: (603) 424-7166
Fax: (603) 429-8312
Mortgage Agencies
Contact: Ben Niles      benjamin_niles@freddiemac.com

Genworth Mortgage Insurance Company
764 Red Oak Drive
Schenectady,NY  12309
Phone: (800) 548-0884/518-869-2843/car 518-573-6606
Fax: 518-370-1034
Private Mortgage Insurance Companies
Contact: Linda White  Linda.A.White@Genworth.com

GMAC Mortgage
346 Shelburne Road, Suite 4D
Burlington,VT  05401
Phone: (802) 660-0999
Fax: (802) 660-4840
Mortgage Banking
Contact: Louise Kowalewitz  Louise.Kowalewitz@gmacm.com

Hanson Mortgage Corp.
76 Pearl St., Suite 9
Essex Junction,VT  05452
Phone: (802) 879-3950
Fax: (802) 879-2691
Mortgage Broker
Website: www.mortgagevermont.com
Contact: Bob Hanson  bob@hansonloan.com

Heritage Family Credit Union
30 Allen Street
Rutland, VT  05701
Phone: (802) 776-2104
Fax: (802) 775-7864
Mortgage  Banking
Website: www.hfcuvt.com
Contact: Marleen Cenate   marleen@hfcuvt.com

Horizon Financial
12 Pearl Street
Essex Junction,VT  05452
Phone: (802) 879-8105
Fax: (802) 879-5172
Mortgage Broker
Contact: Henry Rackliff   h.rackliff@verizon.net

JEWELL Mortgage Corp.
Main Street
St. Albans, VT
Phone:  802-524-5088
Mortgage Broker
Contact:  Brian Jewell  brian@jewellmortgage.com

Johnson & Finnigin, LLC
Legal Services
Contact:  Joe Finnigin
Key Bank Mortgage
149 Bank St
Burlington, VT  05401
Phone (802) 878-3509
Fax (216) 370-6321
Mortgage Banking
Website: www.keybank.com
Contact:
Williston Branch - Timothy R Poirier     timothy_r_poirier@keybank.com
Rutland Branch - Joseph Tripodi    joseph_v_tripodi@keybank.com

Kittredge Mortgage Corporation
P. O. Box 9220
So. Burlington,VT  05407
Phone: (802) 658-5145
Fax: (802) 658-5484
Mortgage Banking
Contact: Keith Kittredge         kmcsbur@kittmtg.com
123 Bonnet Street
Manchester, VT  05254
Phone: (802) 362-4874
Fax: (802) 362-4975
Contact: Dick Kittredge     kmcman@kittmtg.com

Law Offices of Fred V. Peet
55 Patchen Road
South Burlington,VT  05403
Phone: (802) 860-4767
Fax: (802) 860-2822
Legal Services
Website: www.peetlaw.com
Contact: Fred Peet      fpeet@peetlaw.com

Lawyers Title Insurance Corporation
P. O. Box 116
Burlington,VT  05402-0116
Phone: (802) 658-1110/800-698-9351
Fax: (802) 658-2152
Title Company
Contact: Mark Schittina           mschittina@landam.com

Mascoma Saving Bank
PO BOX 4399
243 Sykes Mountain Ave.        
White River Junction,  VT        05001        
802-280-4920                
Contact Richard Kozlowski  richard.kozlowski@mascomabank.com

Merchants Bank
275 Kennedy Drive
South Burlington, VT  05403
Phone: (802) 658-3400
Fax: (802) 865-1891
Mortgage Banking
Contact: Betsy Kapner    ekapner@mbvt.com

Model Appraisal Services
P. O. Box 10345
Bedford,NH  03110
Phone: (603) 647-4111
Fax: (603) 647-5585
Appraisal Services
Contact: James Pyer    modelappraisal@NHVT.net

Mortgage Financial, Inc.
354 Mountainview Drive
Colcherster,VT  05446
Phone: (802) 658-5599
Fax: (802) 658-9727
Mortgage Banking
Website: www.mfsvt.com
Contact: Mark Chaffee, CMP       markchaffee@mfsloan.com

Mortgage Guaranty Insurance Corp. (MGIC)
37 Tyler Drive
Goffstown, NH        3045
Phone: 800-523-2633/603-384-1265
Fax: 800-835-2394
Private Mortgage Insurance Companies
Website:  www.mgic.com
Contact: Jon Korpela    jon_korpela@mgic.com

National Bank of Middlebury
P.O. Box 189
Middlebury,VT  05753
Phone: (802) 388-4982
Fax: (802) 388-6077
Mortgage Banking
Website: www.nationalbankmiddlebury.com
Contact: Janice Smith  jsmith@nationalbankmiddlebury.com

National City Mortgage
75 Talcott Rd., Ste. 70
Williston,VT  05495
Phone: (802) 879-4424 x235
Fax: (802) 879-9324
Mortgage Banking
Contact: Jeff Myers     jeff.myers@ncmc.com

NeighborWorks of Western Vermont
110 Marble Street
West Rutland,VT  05777
Phone: (802) 438-2303
Fax: (802) 438-5338
Mortgage Banking
Contact: Mary Rajda   rwnhs@vermontel.net

New England Federal Credit Union
141 Harvest Lane
Williston,VT  05495
Phone: (802) 879-8790
Fax: (802) 879-8734
Mortgage Banking
Contact: John Hood    hood@nefcu.com

NorthCountry Federal Credit Union
69 Swift St., Suite 100
So. Burlington, VT  05403
Phone: (802) 660-3258
Fax: (802) 864-9849
Contact: Jeff Smith    jsmith@northcountry.org

Northeast Home Loan
80 Flat St.                
Brattleboro  VT        05301       
802- 257-7815                
Contact:  Ed Sensor - edsensor@northeasthome.com

Northfield Savings Bank
P. O. Box 347
Northfield,VT  05663
Phone: (802) 485-5871
Mortgage Banking
Website: www.nsbvt.com
Contact: Peter Goodell            peterg@nsbvt.com

Opportunities Credit Union
18 Pearl Street
Burlington,VT  05401
Phone: (802) 865-2002
Fax: (802) 865-2021
Mortgage Banking
Website: www.oppsvt.org
Contact: Cheryl Fatnassi           cfatnassi@oppsvt.org

Peoples Trust Company
25 Kingman,  P. O. Box 320
St. Albans,VT  05478-0320
Phone: (802) 524-2196/800-479-2196
Fax: (802) 524-7763
Mortgage Banking
Website: www.peoplestrustcompany.com
Contact: Angela Poirier      apoirier@peoplestrustcompany.com

Republic Mortgage Insurance Company
1777 Parkway West, Suite 20
Blue Bell, PA  19422
Phone: (603) 494-0797
Fax: (800) 833-3370
Mortgage Insurance
Website: www.rmic.com
Contact: Tina Niles    tina_niles@rmic.com

Seville Appraisals
P.O. Box 1534
Stowe, VT  05672
Phone: 802-253-8466
Fax: 802-253-8556
Appraisal Services
Contact:  Linda Seville    lindas@stowevt.net

Spruce Mortgage
346 Shelburne Road
Burlington,VT  05401
Phone: (802) 863-8816
Fax: (802) 863-8817
Mortgage Broker
Website: www.sprucemortgage.com
Contact: Gene Richards        Generichards@generichards3.com

Stewart Title Guaranty Company
210 College St., Suite 301
Burlington,VT  05401
Phone: (802) 660-2888/cell 343-4039
Fax: (802) 660-2890
Title Companies
Website: www.stewart.com
Contact: Peter Zuk       pzuk@stewart.com

Strategic Information Resources/SIR
155 Brookdale Dr.
Springfield,MA  01104
Phone: (800) 332-9479 x653
Fax: 800-345-3392
Credit Reporting Agencies
Contact: Maureen Devine   Mdevine@nextgeninfo.com

Summit Financial Center, Inc. (Merrimack Mortgage Company, Inc.)
P. O. Box 5300
Burlington,VT  05402-5300
(1045 Elm St., Suite 601  Manchester, NH  03101)
Phone: (802) 863-0403
Fax: (802) 863-4602
Mortgage Banking
Website: www.summitvt.com
Contact: Mark Severance     mseverance@summitvt.com

Universal Mortgage Corporation
19 Roosevelt Highway, Suite 101
Colchester, VT 05446
Phone: (802) 654-7896
Fax: (802) 654-7761
Mortgage Banking
Website: www.umc123.com
Contacts:
Marilyn Morin, CMP    mmorin@umc123.com
Kelly Deforge, CMP    kdeforge@umc123.com
Joe Cousino, CMP    jcousino@umc123.com
Tina Olson, CMP    tolson@umc123.com
Newport Branch
Paul Chandler, CMP    pchandler@umc123.com

USDA Rural Development
89 Main Street, 3rd Floor
Montpelier, VT  05602
Phone: (802) 828-6016
Fax: (802) 828-6090
Mortgage Banking
Contact:  Mike Bard    mike.bard@vt.usda.gov

Vermont Attorneys Title Corp.
P. O. Box 1101
Burlington,VT  05402-1101
Phone: 862-5913/800-649-3366
Fax: (802) 862-5974
Title Companies
Website: www.vatcweb.com
Contact: Andrew Mikell          andymikell@catic1.com

Vermont Federal Credit Union
P.O. Box 36
Burlington,VT  05402
Phone: (802) 658-0225x139
Fax: (802) 658-9619
Mortgage Banking
Contact: Donna Bogue            dbogue@vtfcu.org

Vermont Home Mortgage Group
950 Shelburne Road
South Burlington,VT  05403
Phone: (802) 660-7969
Fax: (802) 863-5508
Mortgage Broker
Website: www.vhmg.net
Contact: Paul Cannizzaro         paulcan@vhmg.net

Vermont Housing Finance Agency
P. O. Box 408
Burlington,VT  05401
Phone: (802) 652-3427
Fax: (802) 863-5422
Website:  www.vhfa.org
Mortgage Banking
Contact: Erin Perrin       eperrin@vhfa.org

VSECU
P. O. Box 67
Montpelier,VT  05601
Phone: (802) 371-5162  800-371-5162
Fax: (802) 223-8686
Mortgage Banking
Website: www.vsecu.com
Contact: Kathy Simanskas  ksimanskas@vsecu.com

Ward & Babb
3069 Williston Road
So. Burlington,VT  05403
Phone: (802) 863-0307
Fax: (802) 863-4587
Legal Services
Contact: Eugene (Chip) Ward, III, Esq.  ward@wkblawyers.com

Wells Fargo Home Mortgage
56 West Twin Oaks Terrace Suite 4
South Burlington, VT 05403.   
Phone:  802-861-4400
Fax: (802) 872-3566
Mortgage Banking
Contact: Nate Keener, Branch Manager. nate.keener@wellsfargo.com


Wick & Maddocks Law Offices
P. O. Box 1336
Burlington,VT  05402
Phone: (802) 658-3037
Fax: (802) 658-4918
Legal Services
Contact: James Wick  wickmadx@together.net

Williston Mortgage Corp
72 Helena Drive Suite 220
Williston, VT  05495
Phone: 888.200.0792 x304
Fax: (802) 878-1511
Mortgage Broker
Contact: Liz Evans lizevans@willistonmortgage.com

Wiener & Gale
P. O. Box 433
Burlington,VT  05402-0433
Phone: (802) 863-1836
Fax: (802) 863-1948
Legal Services
Contact: Lisa Gale Peery, Esq.  lisa@wgpc.com