Trust the Knowledge of Experience


Heidi Hayward Urish, Nancy Seidel, Ingrid Antrim Serafini, and Denise Vignoe
have created a team that offers unique resources in serving you. With more than 25 years combined experience in the mortgage industry and related fields, we are committed to educating you about the mortgage process, and to providing you with exceptional service, innovative solutions, and access to the best rates possible.
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What makes Spruce Mortgage unique? Great Rates: Our commitment is to offer our customers the lowest possible interest rate. Spruce is always competitive in our local Vermont market - call us or visit us on-line for a complimentary rate quote. Extraordinary Service: Our success is built on our service. Our company philosophy is that our relationships and our service are based on Loyalty, Integrity, and Creativity. A Team Approach: We provide comprehensive service by utilizing a collaborative team approach. This enables us to provide you with a wider knowledge base, greater accessibility, and a quick turnaround. Pre-Approvals: You can be pre-approved for a home purchase in as little as one hour. This qualifies you for a particular home or purchase price and enables you to make an offer immediately upon finding your new home. Real estate professionals and sellers will expect that you have a pre-approval letter. Innovative Thinking: We help determine the best financing strategy for you and your family. In our complex lending industry, creativity and innovation are critical. Our experienced team can help you find the program, rate, and term that best fits your needs. User Friendly: We are user-friendly. Education about the home financing process is part of our commitment to you. We welcome all of your questions, whenever they arise. We can work with you in the most convenient way for you - in person, by phone, or by email. Adding Value to You and Your Business: For those in the real estate profession, we offer weekly open house flyers, informative newsletters, and training seminars.

T 802.846.5050 F 802.846.7836 E greatrate@sprucemortgage.com W www.sprucemortgage.com You can always expect complimentary: Rate Locks Pre-Approvals Good Faith Estimates For a rate quote, mortgage calculator, or more information CLICK HERE "The level of service that we received from you was extraordinary, well beyond our experience with the bank.all this on top of the significantly better deal that you were able to secure for us on the loan. I will recommend your organization to any of my clients or friends." -D Hamilton