Element Real Estate Lenders

Union Bank

  • NameKelly Deforge
  • Phone802-318-7395
  • Fax800-522-2950
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Kelly, a Senior Loan Originator has been in the mortgage business for over 20 years. She is known in the industry as "the first time homebuyer expert" although she works with customers at any phase of their home purchasing process. Well educated in Conventional, VA, FHA, Rural Development, and VHFA financing, Kelly also handles construction loans for purchases or refinance situations. Kelly believes taking the time to sit down face to face with her customers and explaining each step of the mortgage transaction process leads to satisfied customers with positive closing results. Let Kelly show you the way home!

Spruce Mortgage

  • NameBuddy Singh, CMP
  • Phone802-238-5131
  • Fax802-863-8817
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For over two decades, Ranjit “Buddy” Singh has built his business by placing his client’s needs first in the mortgage process. Buddy’s success can also be attributed to his extensive knowledge of the mortgage industry from application to close.

In addition, Buddy has received his MBA from the University of Vermont and achieved a passing score on all 3 levels of the Chartered Financial Analyst Exam, adding the most rigorous training in personal and institutional finance to his many years of mortgage experience.

His clients range from primary and second homes to self-employed borrowers, with a specialize knowledge of investment property lending. Products and programs change every day in the mortgage industry. Buddy’s trademark is in honest advice, superior service, and understanding client’s needs. In his free time, Buddy can be found with his daughter Aviv and wife Lauren, snowboarding, playing tabla, and all over the Green Mountain State.

Buddy Singh, CMP NMLS #92046

About Dan Cypress

Dan is analytical in nature, as his MBA would suggest, but nine years ago he transitioned out of the world of accounting and financial management and into real estate. His deliberate and rational

approach has helped him assist hundreds of buyers and sellers, ensuring that their transactions not only happened, but happened smoothly. He offers sound advice, and above all else looks out for the best interest of his clients. “Selling doesn’t feel good,” Dan says. “My job is to educate my clients. I share my market knowledge and help them to make smart decisions on their own. If I’m honest and I do my job right, I don’t have to ‘sell’ anything.”

As a co-founder of Element Real Estate, Dan has recently taken great pleasure in growing the business, both by adding new members to the team and by increasing the company’s exposure. At the center of everything he does is a dedication to understanding people’s needs and better equipping himself – and his team – to meet them. He takes pride in his work, the people around him, and the community in which he lives.

Latest Blog Posts

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This time of year, we field one question from our buyer clients far more than any other: “When is the market going to open up?”Home shoppers and Realtors both note that this time of year the

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If You Are Considering Listing Your Home For Sale This Spring Now Is The Time To Chat With Us

I often meet with clients months before they are ready to sell to help them with their to-do lists.  Starting the process early makes the sprucing-up of your home, and the

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Competing Bid Situations

We always want to be fully transparent with our clients, so here’s the blunt truth: it is a challenging time to be a homebuyer.  Over the last several years, we have seen a noticeable uptick

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