Welcome to Spruce

We are a locally-owned brokerage and have been providing financing services for nearly two decades. Gene Richards, CEO and Loan Officers Heidi Hayward Urish and Wendy Bombard founded Spruce Mortgage in 1995. Ranjit “Buddy” Singh joined a few months later. Their mission was to establish a company that provided its clients with value, exceptional service, innovative solutions and access to the best rates and programs available. We have worked with thousands of clients, providing mortgage counseling in VT  and helping them purchase their homes, their investment properties or to refinance their existing mortgages. Annually, Spruce has completed the most volume of business in Vermont as a broker for the past several years.

We are a Chittenden County-based staff (many are life-long Vermonters), and we are all committed to our clients, to our reputation, to one-another, and to our community. The most recently hired Spruce employee joined the staff eight years ago–which speaks to the engaging, collaborative, and supportive work environment at Spruce. There is very little turnover and everyone on the team lives by the founding principles of integrity, honesty, and loyalty.

This past year, our group purchased our current office building at 430 Shelburne Road and completely refurbished the building. We are all delighted with our new convenient storefront location.

Please stop by for a tour!

Meet our team, and contact us with your mortgage and loan questions today.

Discover your loan options here.

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