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Meet the Mortgage Team
CAP COM's Mortgage Subsidiary

Lee CarmanLee 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 VanAmburghGinny VanAmburgh, VP of Lending Operations
NMLS# 54538

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 ChuangArthur 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 MuirChrystal 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.

Josh HebertJosh Hebert, Manager of Mortgage Originations
NMLS# 54511

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.

Bilal Kimble
Bilal Kimble
Mortgage Specialist
NMLS# 561641
Brian Marchand
Brian Marchand
Senior Mortgage Specialist
NMLS# 481563
Chris Canavan
Chris Canavan
Senior Mortgage Specialist
NMLS# 75086
Eric Cruz
Eric Cruz
Senior Mortgage Specialist
NMLS# 39075
Jason Tedford
Jason Tedford
Senior Mortgage Specialist
NMLS# 18356
Jessica Brate
Jessica Brate
Senior Mortgage Specialist
NMLS# 56711
Jim Cardinal
Jim Cardinal
Senior Mortgage Specialist
NMLS# 31973
Nick Lemme
Nick Lemme
Senior Mortgage Specialist
NMLS# 481562
Rob Snyder
Rob Snyder
Senior Mortgage Specialist
NMLS# 58317