Business Details
Your Trusted Vermont Mortgage Advisor
At Synergy One Lending, we bring over three decades of expertise in mortgage advisory services to Vermont homeowners and investors. Our team specializes in tailoring financing solutions for first-time buyers, experienced homeowners, and refinance clients navigating the complexities of the Vermont market. With a focus on personalized service, we leverage programs like VHFA, FHA, and VA loans to deliver competitive rates and low-cost options. Our commitment to transparency ensures clients receive expert guidance through every step of the mortgage process.Recognized as one of Vermont's premier mortgage advisors, we have closed over $1 billion in loans while maintaining a client-centric approach that prioritizes long-term relationships and financial success. Our no-closing-cost refinance program and low-down-payment options reflect our dedication to making homeownership accessible. Through a combination of industry knowledge, innovative solutions, and responsive support, we aim to simplify the mortgage experience for every client.
Services
Mortgage Loans
Refinancing
First-Time Homebuyer Programs
FHA Loans
Conventional Mortgages
Jumbo Mortgages
VA Loans
Investment Property Loans
Second Home Loans
Low Down Payment Options
Highlights and features
- We offer 30+ years of Vermont mortgage market expertise
- Our no-closing-cost refinance program saves clients $3,800+
- Specialized in first-time homebuyer programs with 3.5% down options
- We provide personalized guidance with 24/7 client support availability
- Ranked among top national mortgage originators with $1B+ closed
What people say
Great availability and responsiveness
Highly competitive rates
Smooth transactions
Professional and efficient
Timely interactions
Services
Mortgage Loans
We offer comprehensive mortgage loan solutions tailored to individual financial situations. Our services include conventional loans, jumbo mortgages, and specialized programs for first-time homebuyers. With access to multiple investor outlets, we secure competitive rates and flexible terms while maintaining strict underwriting standards. Our team guides clients through every step of the loan process.
Refinancing
Our refinancing services help homeowners reduce monthly payments, eliminate PMI, or access home equity. We specialize in no-closing-cost refinances with lender credits covering all expenses. Our advisors analyze current market conditions to determine optimal refinancing timing while ensuring transparent cost-benefit analysis for long-term financial planning.
First-Time Homebuyer Programs
We provide specialized programs for first-time homebuyers including VHFA loans with 3% down payments and $5,000 assist loans. Our services include credit qualification guidance, down payment assistance programs, and education about rural development financing options. We help new buyers navigate the entire purchase process from pre-approval to closing.
VA Loans
We offer 100% financing options for qualified veterans through VA loan programs. Our specialists assist with certificate verification, eligibility requirements, and documentation preparation. We ensure veterans receive maximum benefits including competitive rates and reduced closing costs while maintaining compliance with VA regulations.
Investment Property Loans
Our investment property loan services evaluate both property potential and borrower financial strength. We provide financing options that consider 75% of expected rental income for qualification purposes. Our advisors help clients assess cash flow projections, down payment requirements, and tax implications for second homes and investment properties.
People
Mark R. Chaffee
Mortgage Advisor
With over 30 years of mortgage experience, Mark has closed $1B+ in loans while maintaining top national originator rankings. He specializes in Vermont market financing solutions and has helped thousands of clients achieve homeownership through personalized service and expert guidance.
Cheryl LeDuc
Loan Officer
Cheryl brings 20+ years of mortgage lending expertise, focusing on client education and long-term relationship building. She specializes in matching clients with optimal loan programs while providing clear explanations of financing options and requirements throughout the home buying process.
Questions
What factors determine today's mortgage rates?
Interest rates depend on credit score, loan-to-value ratio, and property type. We provide personalized rate quotes after evaluating your specific financial situation and loan requirements.
How does the no-closing-cost refinance program work?
We cover all closing costs through a lender credit in exchange for a slightly higher interest rate (0.125-0.375%). This allows immediate savings without upfront fees while maintaining loan flexibility.
What down payment options are available for first-time buyers?
We offer VHFA loans with 3% down, FHA loans with 3.5% down, and rural development programs requiring no down payment. Many options allow seller-paid closing costs and family gift funds for down payment assistance.
Can I qualify for an investment property loan?
Yes, we evaluate your financial profile and property potential. Investment properties typically require 25% down with 75% of expected rental income used for qualification purposes, while second homes need 10% minimum down payment.
How do I determine what I can afford?
We analyze your income, debts, credit score, and savings to provide a personalized affordability assessment. Our online tools and advisors help you understand loan limits, monthly payments, and total ownership costs.
