SPRUCE MORTGAGE INC.
SOUTH BURLINGTON, VT

Loyalty, integrity, and creativity. These characteristics are the solid foundation for success on which Spruce Mortgage is built. Spruce Mortgage is a leader among Burlington, VT mortgage companies, specializing in Integrity. Whenever people come to Spruce, they know that they will get honest advice from experienced professionals. If we are not able to get a loan approved, we will help find an investor or bank that will and deliver a full loan package to them. is a relationship-driven business; therefore, we are driven to establish long term and loyal relationships. That is why we have positioned ourselves in the . People at Spruce make business their life. They work and play with many similar people, confirming their commitment to Spruce and equivalent commitment to our customers and partners. I believe that our strong foundation has made Spruce what we are, and I am very proud of the relationships that we have established. Wondering about how much you can afford, borrow, etc? Use our helpful calculators below or contact one of our helpful loan advisors to guide you through the process! We are a locally-owned brokerage and have been providing financing services for nearly two decades. Gene Richards, CEO and Loan Officers Heidi Hayward Urish and Wendy Bombard founded Spruce Mortgage in 1995. Ranjit “Buddy” Singh joined a few months later. Their mission was to establish a company that provided its clients with value, exceptional service, innovative solutions and access to the best rates and programs available. We have worked with thousands of clients, providing mortgage counseling in VT and helping them purchase their homes, their investment properties or to refinance their existing mortgages. Annually, Spruce has completed the most volume of business in Vermont as a broker for the past several years. We are a Chittenden County-based staff (many are life-long Vermonters), and we are all committed to our clients, to our reputation, to one-another, and to our community. The most recently hired Spruce employee joined the staff eight years ago–which speaks to the engaging, collaborative, and supportive work environment at Spruce. There is very little turnover and everyone on the team lives by the founding principles of integrity, honesty, and loyalty. This past year, our group purchased our current office building at 430 Shelburne Road and completely refurbished the building. We are all delighted with our new convenient storefront location. Spruce Mortgage is a relationship driven business; therefore, we are driven to establish long term and loyal relationships. People at Spruce make business their life. They work and play with many similar people, confirming their commitment to Spruce and equivalent commitment to our customers and partners. Wondering about how much you can afford, borrow, etc? Use our helpful calculators below or contact one of our helpful loan advisors to guide you through the process! Spruce Mortgage recognizes and respects the importance of your . That’s why we are committed to handle your information in a secure environment and only in the manner that you allow and as Federal and State law require. By using our web site and submitting online information about yourself, you are consenting to our use of your information as described below. We Require Outside Firms That Help Us to Handle Your Information Under Confidential Conditions – If we hire outside firms or agencies to help us with any part of our business, we require them to maintain confidentiality of your information, to support these Privacy Principles and to comply with applicable law. Wondering about how much you can afford, borrow, etc? Use our helpful calculators below or contact one of our helpful loan advisors to guide you through the process! At Spruce Mortgage, we understand what Vermont Homebuyers want Located in Burlington, Vermont, we are a small, local business with a team of the best (and friendliest!) loan officers around. We can help you with residential mortgages, second home mortgages, investment property mortgages, and refinancing. We invite you to use our site to find out more about mortgage loans and refinancing options.