Meet the Homeowners Advantage Team

Lee Carman Lee Carman, Chief Mortgage Officer
NMLS# 97570

Lee Carman has been active in financial services since 1993. As Chief Lending Officer (CLO), he oversees consumer, commercial, and real estate lending. Previously, Lee held leadership positions at National Union Bank of Kinderhook for almost nine years, most recently serving as Senior Vice President of Lending. During his time at the bank, he was a key contributor to its overall growth. This growth was driven by the development of efficient processes and significant commercial loan volume, and a streamlined residential loan process for applicants. Lee’s service to the community is also extensive, spanning board and committee seats for local non-profits, fundraising initiatives, and political representation on the Guilderland Town Board, as well terms as an Albany County Legislator.

Arthur Chuang Arthur Chuang, VP of Mortgage Servicing and Loss Mitigation

A resident of the Capital District for most of his life, Arthur has enjoyed sailing on the Great Sacandaga Lake since he was 12. With a passion for providing quality service, he will help you chart a course toward successful home ownership. Arthur has more than 25 years of experience in loss mitigation and he looks forward to helping families come up with practical solutions that make sense and are easy to understand.

Melissa Alexander Melissa Alexander, Manager of Mortgage Experience
NMLS# 140387

Melissa has lived in upstate New York her entire life and has been active in the mortgage industry for over 20 years. She loves hearing from you, whether it’s to give a shout out or for feedback, she may even reach out to you just to check in and say hello! By utilizing her experience and knowledge, she strives to make your mortgage experience the best it can be.

Ginny VanAmburgh Ginny VanAmburgh, SVP, Consumer & Mortgage Lending
NMLS# 54538

A Capital Region resident her whole life, Ginny has been in the mortgage industry for more than 25 years and has a wealth of experience to share with her team. She has helped guide our mortgage division to become one of the most successful in the region and is often called upon as a workshop panelist. Sharing her knowledge with homebuyers and mortgage professionals is most rewarding for her.

Chrystal Muir Chrystal Muir, Manager of Lending Operations

With more than 33 years of experience in the mortgage industry, it's possible Chrystal may have already helped you close on a loan. A Schenectady native, she loves everything about her job and couldn't imagine doing anything else. When she's not spending time with her family, she's making it as easy as possible for your family to buy a home.

Josh Hebert Josh Hebert, Manager of Mortgage Originations
NMLS# 545411

Josh has been in the mortgage business for more than 13 years, eight of them at Homeowners Advantage. He's lived in this area of upstate NY all his life and enjoys vacationing, spending time with his family and going to concerts. The best part of his job is helping people achieve their dream of homeownership

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