About Dwayne
My passion for real estate and mortgage lending started over 30 years ago and my experience and ability to communicate clearly gives me the ability to help my clients navigate the mortgage lending experience with ease. Licensed in six states with a vast knowledge of mortgage programs and lending guidelines, I help buyers with all residential financing needs. Whether it is a primary home, a dream vacation home or an investment property, I will help you work through the process and handle any issues that arise along the way. As an excellent problem solver, I can offer solutions that other lenders do not.
Hard work, honesty and dedication have helped me achieve great success over my long career in the business and I regularly originate over 250 loans a year to people with all different situations and experiences. When not originating loans, I spend my time enjoying my other passion, sailing. Whether it is racing with friends or just enjoying a sail on Lake Champlain, you will find me on the water every chance I get.
Ask about our Dream Maker, second home financing programs, which can help you realize your vacation home dreams in Vermont and New Hampshire at a price you can afford. FHA, VA and USDA loan programs are also available for primary home purchases. Contact me today for a complimentary mortgage consultation.
Licensed in CT, MA, NH, NJ, NY, VT
Free guides from Dwayne
First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Home Buyer Guide
Programs, paperwork and pitfalls — the full buying playbook.
Home Seller Guide
Selling and buying at the same time? Start here.
Where to find Dwayne
Dwayne works out of our Manchester, VT office.
What clients say about Dwayne
312 client reviews
Verified client reviews via Experience.com
Advisors Mortgage mortgage once again delivered a smooth transaction on time and exactly the right amount of touch points. This was our third timenworking with Advisors and hope to work with them more in the future
5/5 Stars! Dwayne, Casey, Amy, and Heidi were all extremely responsive and knowledgable. Dwayne is very experienced and was a great advocate for us when the deal (nothing to do with him or Advisors) was going a little sideways. Everyone helped keep the train on the tracks and get our loan to closing and we appreciate their help tremendously. It was great to have a really clear timeline and communication from them as well. Thank you!
Right from the beginning Dwayne took time to listen to mye and he came up with great suggestions to help get me through the process. After that the usual grind of getting all the info in place was made much easier than normal. The only troubles I had were on my end trying to send the docs
Fast, accurate, simple, and competative pricing.
I already left a google review!
Excellent expeirence and guidance from Dwayne and team. Great communication and support all the way through!
5 Stars. Thanks so much for your hard work. We did it!!!
Dwayne got my mortgage through on short notice when I had to switch lenders a few weeks before closing.
Casey Eustace made it a great experience that otherwise might be stressful for most people going through this process with very little knowledge and understanding, she took the stress away!!
Everyone at Advisors Morrtgage was incredibly responsive, patient and helpful. They worked with us on many pre-approvals and pricing scenarios as we bid on many different homes over the course of months in a very competitive market. They made the process smooth and simple very beginning to end.
Such a smooth, responsive and speedy process!
team was very responsive and organized
great job, thanks everyone.
Everyone was great to work and communicate with. The Advisors team made a difficult process as easy as possible.
Fast responses and exccellent communication from the whole team made the loan process extremely easy. Thank you again. Highly recommend!
This was the most complete and easy mortgage process we have had. Would recommend to anyone looking for a mortgage. We had several moving parts and Advisors did a great job smoothing out the complexity.
This is the second time we have worked with Advisors. Dwayne and his team were extremely responsive and worked long hours to make sure we met our tight contract deadlines. I enthusiastically recommend Advisors to those looking for competitive mortgage rates.
Fast closing
n/a prefer not to have an online review
Dwayne, Amy & Heidi were amazing to deal with. The entire process was a pleasure. Thank you all so much! Looking forward to Refinancing with you !!
Dwayne helped us navigate a challenging situation.
Dwayne and his entire team were phenomenal throughout the entire closing process. I highly recommend them whenever you are buying a new home.
Your company was great. It's just the whole ordeal that is stressful.
Dwayne and his team were absolutely delightful, efficient, and guided us through the rather complicated process of buying a home in Vermont. Thank you!
Very helpful along the process, taking the time to explain everything to me. I am a first-time home buyer and had many questions!
Latest market updates
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
