Welcome to Spruce Mortgage, Inc. I am Stephen Richards. I grew up in Burlington, Vermont and joined the staff at Spruce Mortgage formally in 2014 as a licensed loan officer.
I am an entrepreneur and purchased my first property at age 13. From that point forward I began investing in real estate and have owned and managed properties in Burlington as well as Florida. I am a 2011 graduate of Champlain College with a degree in Business.
I am committed to putting the needs of my clients first. I am responsive, service-oriented, and I take pride in helping people purchase and refinance homes and investment properties.
I am also committed to the community and enjoy working with my student athletes in a role as Junior Varsity Lacrosse coach at South Burlington High School as an undefeated team in 2014. I currently serve on the Board of the Stern Center and have previously served on the Development Committee for Lund Family Center and Maple Leaf Farm. I volunteer in many fundraising activities throughout the year such as The Dragon Boat Race, Slam Diabetes, Special Olympics, and For One Another Foundation, Inc.
I enjoy being active. Activities involved are golf, spending time with family and friends, and meeting new people.