Element Real Estate Lenders

Fairway Independent Mortgage Corporation

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Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help. Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, our mortgage professionals are dedicated to finding the right loan with great rates, terms and costs to meet your specific needs.

Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. We look forward to putting our mortgage service to work for you!

Mike Conn, NMLS #1227978

Vermont Mortgage Company

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Nick Parent is a leading mortgage broker in Vermont. Nick works hard to provide Vermonters with exceptional service, competitive interest rates, and innovative solutions.

Nick’s passion for working with people stands out every day, making his clients feel confident to choose the right program for their needs. More than a decade of successful experience gives him the ability to guide his clients through the entire process, and he receives numerous referrals from past customers as a result of his personal, fun approach. Nick holds a Bachelor’s Degree in business from Champlain College. In his spare time, you will often find him enjoying life in Vermont—hiking, boating on Lake Champlain, or snowboarding in winter with his lovely wife, Naomi. Nick is a proud father of his daughter Bella.

Nick Parent, NMLS# 92154

Spruce Mortgage

  • NameBuddy Singh, CMP
  • Phone802-238-5131
  • Fax802-863-8817
  • Get Started

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For over two decades, Ranjit “Buddy” Singh has built his business by placing his client’s needs first in the mortgage process. Buddy’s success can also be attributed to his extensive knowledge of the mortgage industry from application to close.

In addition, Buddy has received his MBA from the University of Vermont and achieved a passing score on all 3 levels of the Chartered Financial Analyst Exam, adding the most rigorous training in personal and institutional finance to his many years of mortgage experience.

His clients range from primary and second homes to self-employed borrowers, with a specialize knowledge of investment property lending. Products and programs change every day in the mortgage industry. Buddy’s trademark is in honest advice, superior service, and understanding client’s needs. In his free time, Buddy can be found with his daughter Aviv and wife Lauren, snowboarding, playing tabla, and all over the Green Mountain State.

Buddy Singh, CMP NMLS #92046

Union Bank

  • NameKelly Deforge
  • Phone802-318-7395
  • Fax800-522-2950
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Kelly, a Senior Loan Originator has been in the mortgage business for over 20 years. She is known in the industry as "the first time homebuyer expert" although she works with customers at any phase of their home purchasing process. Well educated in Conventional, VA, FHA, Rural Development, and VHFA financing, Kelly also handles construction loans for purchases or refinance situations. Kelly believes taking the time to sit down face to face with her customers and explaining each step of the mortgage transaction process leads to satisfied customers with positive closing results.

A current board member with the Howard Center in Burlington, Kelly also serves on the development committee and co-chair’s the organization’s family advisory committee. She also spends time on a regular basis as a lender trainer at the Champlain Housing Trust’s home buyer seminars. She also serves on the loan committee at the Housing Trust. Previously, Kelly served as a board member with Home Share Vermont and the Vermont Mortgage Bankers Association.

Kelly Deforge, NMLS #103643

About Thomas Senning

Since his entry into real estate in 2014, Thomas has operated under the guiding premise that if he put his clients' needs first, everything else would take care of itself. Time has shown this to be true. Whether working with buyers or sellers, he is attentive, responsive, and works tirelessly to provide them with the best service and advice available anywhere. A veteran of this market, he understands the many factors that play into housing demand, maximizing seller returns, writing winning offers for buyers, and the complexities of utilizing psychology and leverage to his clients' advantage. His candid, rational, and patient demeanor make him easy to work with, and his commitment to client satisfaction and lighthearted humor ensure a smooth interaction for all parties involved.

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