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Albany, NY

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20-year Fixed
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15-year Fixed
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FHA 30-year Fixed
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  • Meet the Mortgage Team

Meet the Mortgage Team

Lee Carman

Chief Lending Officer
NMLS# 97570

Read Bio

Ginny VanAmburgh

SVP, Consumer & Mortgage Lending
NMLS# 54538

Read Bio

Arthur Chuang

VP of Mortgage Servicing
and Loss Mitigation

Read Bio

Chrystal Muir

Manager of Lending Operations

Contact/Bio Info

Josh Hebert

Manager of Mortgage Originations
NMLS# 54511

Contact/Bio Info

Melissa Alexander

Manager of Mortgage Experience
NMLS# 140387

Contact/Bio Info

Alison Dennin

Mortgage Loan Officer
NMLS# 763608

Contact Info

Andrew Jensen

Mortgage Loan Officer
NMLS# 1818905

Contact Info

Bilal Kimble

Mortgage Specialist
NMLS# 561641

Contact/Bio Info

Bob Patnaude

Mortgage Loan Originator
NMLS# 55477

Contact/Bio Info

Brian Marchand

Senior Mortgage Specialist
NMLS# 481563

Contact/Bio Info

Charles Eafrato

Mortgage Loan Officer
NMLS# 481559

Contact/Bio Info

Chris Canavan

Senior Mortgage Specialist
NMLS# 75086

Contact/Bio Info

Daniel Alix

Mortgage Loan Officer
NMLS# 1218367

Contact Info

Eric Cruz

Senior Mortgage Specialist
NMLS# 39075

Contact/Bio Info

Jason Tedford

Senior Mortgage Specialist
NMLS# 18356

Contact/Bio Info

Nick Lemme

Senior Mortgage Specialist
NMLS# 481562

Contact/Bio Info

Rob Snyder

Senior Mortgage Specialist
NMLS# 58317

Contact/Bio Info

CAP COM Product Rates

30-year Fixed
as low as
  % RATEˆ
  % APRˆ
(70 Day Rate Lock)

View Details

20-year Fixed
as low as
  % RATEˆ
  % APRˆ
(70 Day Rate Lock)

View Details

15-year Fixed
as low as
  % RATEˆ
  % APRˆ
(70 Day Rate Lock)

View Details

FHA 30-year Fixed
as low as
  % RATEˆ
  % APRˆ
(70 Day Rate Lock)

View Details

View All Rates

More
Rates

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ˆClick any topic of interest to view terms and disclosures.

Copyright © 2022 Homeowners Advantage
Licensed Mortgage Banker
NYS Department of Financial Services
Principal Address: 4 Winners Circle, Albany, NY 12205
NMLS Identifier: 309847

Homeowners Advantage is a licensed servicer with the NYS Department of Financial Services. Complaints or requests for further information regarding Homeowners Advantage may be directed to the NYS Department of Financial Services by visiting the Department's website at www.dfs.ny.gov or by calling the Department's Consumer Help Unit at (800) 342-3736.

Please direct any inquiries or complaints in relation to your mortgage to Homeowners Advantage at 4 Winners Circle, Albany, New York 12205, email inquiry@homeownersadvantage.com, or by calling the Mortgage Servicing Department at (518) 690-2232 ext. 3123 or toll free at (877) 266-7722 ext. 3123.

Third Party Link Disclaimer: Linked websites are not under the control of Homeowners Advantage. We are not responsible for the content on the site and its privacy and security policies may differ from ours. We represent neither you nor the third party in the event that you enter into a transaction.

  • Equal Housing Lender
Lee Carman, Chief Lending Officer

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.

Ginny VanAmburgh, SVP, Consumer & Mortgage Lending

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.

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.

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.

Contact Information:
(877) 266-7722 ext. 4304
cmuir@homeownersadvantage.com

Josh Hebert, Manager of Mortgage Originations

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.

Contact Information:
(877) 266-7722 ext. 4302
jhebert@homeownersadvantage.com

Melissa Alexander, Manager of Mortgage Experience

Melissa has lived in upstate New York her entire life and has been active in the mortgage industry for more than 20 years. She loves hearing from you, whether it’s to give a shoutout 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.

Contact Information:
(877) 266-7722 ext. 4264
malexander@homeownersadvantage.com

Alison Dennin, Mortgage Loan Officer

Contact Information:
Office: (877) 266-7722 ext. 3180
Cell: (518) 641-2103
adennin@homeownersadvantage.com

Andrew Jensen, Mortgage Loan Officer

Contact Information:
(877) 266-7722 ext. 3035
ajensen@homeownersadvantage.com

Bilal Kimble, Mortgage specialist

Prioritizing family and educational growth, Bilal's goal is to make sure you have all the information you need to make the best decision when you buy the house your family will call home. An avid runner, Bilal grew up in Schenectady and he is ready to help you take the next step toward home ownership.

Contact Information:
(877) 266-7722 ext. 2103
bkimble@homeownersadvantage.com

Bob Patnaude, Mortgage Loan Originator

Bob has more than 20 years of experience in the mortgage business. He was also a member of the New York State Police, and after 34 years of service retired as a Staff Inspector in the spring of 2021. He prides himself on providing the same level of professionalism and commitment to his borrowers that he provided to the citizens of New York. He understands a home purchase or refinance is a very significant transaction and ensures his clients get his full attention and the best product available to them. During his spare time, Bob enjoys family gatherings, golf, hunting, and boating on Lake George.

Contact Information:
Mobile (518) 858-0528
Office (518) 690-2232 ext. 3193
bpatnaude@homeownersadvantage.com

Brian Marchand, Senior Mortgage Specialist

Ask Brian about the competitive rates and programs Homeowners Advantage has to offer when you are getting ready to buy a home – it's his favorite thing to talk to members about! When he's not helping you with your mortgage, you'll find him camping or watching his kids' sporting events.

Contact Information:
(877) 266-7722 ext. 4077
bmarchand@homeownersadvantage.com

Charles Eafrato, Mortgage Loan Officer

Let Chuck guide you through the home-buying process and match you with a mortgage that meets your needs and budget. Because Chuck has served as mortgage loan officer in the Capital Region since 1996, many happy homeowners have obtained mortgages through him. In his free time, Chuck enjoys golfing, boating, fishing and spending vacations in Florida.

Contact Information:
(877) 266-7722 ext. 3009
ceafrato@homeownersadvantage.com

Chris Canavan, Senior Mortgage Specialist

Helping you fulfill you dream of homeownership is what Chris does best. He enjoys the challenge of matching a borrower with the product that fits their life and maybe even saves them a little bit of money each month. He's looking forward to helping walk you through the homebuying process. When he is not working on projects around the house, he enjoys being outside, golfing, and bowling.

Contact Information:
(877) 266-7722 ext. 4337
ccanavan@homeownersadvantage.com

Daniel Alix, Mortgage Loan Officer

Contact Information:
(877) 266-7722 ext. 3422
dalix@homeownersadvantage.com

Eric Cruz, Senior Mortgage Specialist

Eric has a wealth of knowledge from more than 14 years in the mortgage business. During his time at Homeowners Advantage, he has worked closely with many buyers and truly enjoys helping people. The satisfaction he gets from helping people extends to his charity work in the Capital Region. Eric is a self-proclaimed foodie and, in his spare time, loves to cook and try new craft beers.

Contact Information:
(877) 266-7722 ext. 4334
ecruz@homeownersadvantage.com

Jason Tedford, Senior Mortgage Specialist

A resident of Rotterdam his entire life, Jason is passionate about his family, the Yankees and helping you achieve your dream of homeownership. With more than 17 years in the mortgage industry, he enjoys being able to make a positive impact on your financial well-being. A huge baseball fan, Jason also enjoys summertime barbecues, kayaking and spending time with family and friends.

Contact Information:
(877) 266-7722 ext. 4326
jtedford@homeownersadvantage.com

Jim Cardinal, Senior Mortgage Specialist

Jim has more than 20 years of mortgage expertise. While a lot has changed over the past two decades, his systematic approach continues to foster a smooth home-buying process for his clients. He'll take the time to discuss your short and long-term financial goals in order to help you choose the appropriate mortgage. Jim's other passion is coaching youth football and lacrosse.

Contact Information:
(877) 266-7722 ext. 4505
jcardinal@homeownersadvantage.com

Nick Lemme, Senior Mortgage Specialist

Nick has served the Capital Region as a mortgage professional for more than 15 years. He believes it's important to listen carefully to a homebuyer's needs – whether it's their first or tenth home purchase. Providing you with all financing options, he can help ensure you have the information you need to choose the best loan.

Contact Information:
(877) 266-7722 ext. 3475
nlemme@homeownersadvantage.com

Rob Snyder, Senior Mortgage Specialist

Snowmobiling and boating are some of Rob’s favorite ways to enjoy his time away from work. His experience in the mortgage industry spans more than 14 years in the Capital Region. His favorite part of the job is being there every step of the way for first-time homebuyers as they make this important decision.

Contact Information:
(877) 266-7722 ext. 4349
rsnyder@homeownersadvantage.com