Rose Marie Ryea

A Certified Mortgage Advisor and VA Specialist with more than 25 years of experience, Rose Marie Ryea has been helping veterans, rural buyers, and Vermont families navigate the mortgage process since 1997. Based in Milton, Vermont, Rose Marie is a Senior Loan Officer at Synergy One Lending, NMLS #1907235, NMLS #92039, serving buyers throughout Vermont with a particular focus on VA loans, rural housing financing, and debt consolidation refinances. Her approach is built on education first: making sure every client understands their loan before they sign it, their payment before they close, and their options before they decide.

Rose Marie’s connection to this work is personal. She remembers the anxiety of her own first mortgage, the confusion that comes from navigating something complex without a guide. That experience shaped how she treats every client. No surprises at closing. No numbers they do not understand. No commitments they cannot confidently explain to someone else. That is her standard, and she has held it for more than 25 years across Vermont.

Veterans are a specific and meaningful part of Rose Marie’s practice. As a VA Specialist, she works with active duty service members, veterans, and surviving spouses on VA purchase loans and VA refinances throughout Vermont. The VA loan benefit is one of the most valuable and most underutilized tools available to eligible borrowers, and helping veterans use it correctly is work Rose Marie takes seriously.

As a Certified Mortgage Advisor with nearly 30 years of industry experience, Rose Marie has watched the mortgage landscape change significantly. Through all of it, her commitment to giving clients true facts and complete education before asking them to move forward has remained constant.

Rose Marie lives in Milton, Vermont, a small town where she regularly runs into people she knows. That kind of community connection is not incidental to how she works. It is the foundation of it.

Rose Marie Ryea serves buyers throughout Vermont with a concentration in VA loans, rural housing financing, and debt consolidation refinances. NMLS #92039.