Lisa DiBernardo – Sr. Loan Officer – Vermont Mortgage Group LLC, NMLS #2551442
With over 30 years of experience helping thousands of families, we work efficiently to help make a complex process easier for you.
I’m here to help you build a mortgage plan that compliments your financial situation, allowing you to invest in a home, and not feel burdened by the decisions you make to get there. My business is a referral-based business that relies on positive word-of-mouth from my clients and business partners to aid in our success. My strong relationships with many lending partners allows me to find YOU the best loan terms possible so you feel secure in your home financing decision.
There are many ways to find financing for your home. Vermont Mortgage Group LLC is a mortgage broker which means we have wholesale mortgage companies as lending resources. Our proven track record and quality loan production has helped build exceptional relationships with lending partners. These relationships have been built on the foundation of trust, integrity and excellent business practices.
This way, we can get you what you need, when you need it, and with the best terms available.
Your home is the biggest investment you will make. Such a large investment requires someone who is looking out just for you throughout the process. I am that ally for my clients—taking the mystery, uncertainty, and risk out of buying your home.
I start with you. We’ll talk about how much you can comfortably afford as well as the kind of home you are looking for. Even more, we will explore your long term financial goals and how your home will play a part in that.
Our first conversation is going to be filled with answering your questions and starting a process that will lead to your front door.
Individual licensed mortgage broker: Melisa DiBernardo, NMLS #103744
Not a Lender or Correspondent Mortgage Lender. Vermont Mortgage Group LLC, NMLS # 2551442
Verify Licenses at https://nmlsconsumeraccess.org
I’m very happy to explain everything to you—that’s part of what I do. If you want to get up to speed with some terminology, here are some common ideas.
purchasing or refinancing land? We have you covered with a land loan program to purchase or refinance open land, or for land development (land you are planning on building on).
This 15 year term is a fixed-rate loan and down payments range from 25% - 35%.
perfect for the self-employed or 1099 borrower for purchase or refinance of 1-4 unit primary residence, or investment property and 1 unit second home. Loans from $100,000 to $2 million.
12 - 24 months of bank statements are provided to the Lender where Underwriting reviews and determines the qualifying business deposits that will be utilized to calculate income.
for 1-4 unit Investment Property this loan does not require income verification. Instead the Lender calculates the rental income and monthly housing costs to qualify. Underwriters consider a number of factors to determine qualification including usage of funds, credit score of borrowers, number of units, gross rents and other.
for a Purchase or No-Cash-out Refinance of a 1-4 unit conventional loan for Primary Residences, 1 unit second home or 1 unit investment property to finance renovation costs.
is a fully amortizing mortgage loan where the interest rate and payment remain the same through the life of the loan. Terms from 15-30 years.
Send me your details and I’ll reach out to answer any questions you may have!