Loyalty, integrity, and creativity. These characteristics are the solid foundation for success on which Spruce Mortgage is built. Spruce Mortgage is a leader in residential, second home, investment property mortgages, and refinancing in Vermont.

Loyalty.The Spruce staff shows loyalty with customers from the beginning of the loan process through the closing. Not only is the staff loyal to the customer, but they are loyal to all of the other people who touch the loan during processing. This includes realtors, appraisers, and lenders.

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.

Creativity. Many of our relationships are built from our loyalty, integrity, and creativity. We work hard to keep our relationships clean and open, and we will do whatever it takes to keep those relationships strong.

Spruce Mortgage 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 top two realtor offices in the state. 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.

Gene Richards C.E.O.