Janet Knutsen - Guild Mortgage

Janet Knutsen - Guild Mortgage Experience the Guild difference with Janet Knutsen in St. Albans, Vermont! She has over 40 years of mortgage experience. Albans, Vermont? Albans.

Your Neighborhood Lender

Shopping for a home in St. Come see Janet Knutsen at Academy Mortgage! She has been in the mortgage industry for over 35 years helping people like you obtain their goal of sustainable homeownership. Preparing to buy a new house is serious business. In fact, it may be the largest single purchase you’ll ever make. As such, you want a great mortgage loan for your situation.

That’s why clients choose Academy Mortgage. Academy Mortgage is a big company with a small-town feel. When you work with Janet Knutsen, you can come in anytime to talk to her about your home loan choices or mortgage refinancing. She can help educate you about your options to get you ready for homeownership. Whether you’re wondering if mortgage refinancing could save you money or trying to find a great loan option for your first new home, come talk to Janet Knutsen and the professional team at Academy Mortgage St. Academy’s business model allows Loan Officers to close loans as quickly as possible. That’s because everything is done in-house. From processing and underwriting to closing and funding — it’s all done locally. There are no mortgage brokers, bankers, or others to drag their feet and slow down the process. Your Home Loan Options

Many factors can affect the type of home loan that is right for you. Janet Knutsen will take the time to fully review your credit and ask important questions about your specific situations. She can help you come up with a game plan to get you ready for homeownership. Whether you are looking to refinance your current mortgage, or purchase your first home, make an appointment today to come see Janet. Let their professional team help you find your ideal mortgage solution and experience the Academy difference. Janet Knutsen offers Conventional, FHA, VA, USDA, VSHA, or down payment assistance loans servicing the greater St. Albans area and beyond.

5.0 star review received on Experience.com for Janet Knutsen by Courtney M - Janet worked  closely with us  to  help  us...
04/03/2026

5.0 star review received on Experience.com for Janet Knutsen by Courtney M - Janet worked closely with us to help us secure a mortgage to buy our dream home/property. Janet was patient and very understanding of the stressors of getting approval. Janet was well versed in helping self employed folks get a mortgage!

Click to see all 183 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

Something to think about.
01/01/2026

Something to think about.

Perspective is everything. Right now, everyone's waiting for rates to drop.

"I'll buy when rates get back to normal."

But what if 'normal' isn't what you think it is?

Let's talk about what mortgage rates have actually been throughout history:

1970s: Average rate around 8-9%
1980s: Hit 18.45% (yes, eighteen)
1990s: Hovered around 8-10%
2000s: Dropped to 6-7%
2010s: Historic lows of 3-4%

The 3% rates of 2020-2021?

That wasn't normal. That was a once-in-a-lifetime anomaly.

What everyone's calling "high" right now is actually what our parents' generation considered standard.

And they bought houses.
And built wealth.
And didn't wait for the "perfect rate."

Here's what they understood that we've forgotten:

You're not marrying the rate.
You can refinance when rates drop.

But you CAN'T refinance:

The price you paid (it's going up)
The equity you missed (appreciation compounds)
The rent you paid (gone forever)
The time you lost (can't get it back)

The buyer who waits for rates to drop misses this:

When rates drop, prices spike.

The buyer who acts now gets:

Negotiating power (less competition)
Better price (sellers are realistic)
Immediate equity building

Then refinances when rates drop
Wins twice

"Historically high" and "historically normal" are very different things.

We've been spoiled by historic lows.

Now we're back to historic norms.

And historic norms still create millionaires.

5.0 star review received on Experience.com for Janet Knutsen by Mona L - Working alongside Janet has been such a gift. A...
12/08/2025

5.0 star review received on Experience.com for Janet Knutsen by Mona L - Working alongside Janet has been such a gift. As a Realtor, you hope for a lender who treats clients like family, communicates clearly, solves problems before they arise, and shows up every step of the way—and that’s exactly who she is. She consistently goes above and beyond for our shared clients, and I am truly grateful for her dedication and heart. 5 stars. 2 thumbs up. 10 out of 10!!!!! Thank you Janet!

Click to see all 184 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

5.0 star review received on Experience.com for Janet Knutsen by Emma M - We were recommended to work with Janet at Guild...
12/02/2025

5.0 star review received on Experience.com for Janet Knutsen by Emma M - We were recommended to work with Janet at Guild from our real-estate agent and we are so glad we did! Janet took the time to meet with us, answer all of our questions and found the best rates for us! We felt very comfortable with Janet from the start and she was very responsive to our closing needs! We would highly recommend working with Janet for your next home buying adventure!

Click to see all 183 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

5.0 star review received on Experience.com for Janet Knutsen by Bobbiejo B - Janet  went  above  and  beyond  and  made ...
11/15/2025

5.0 star review received on Experience.com for Janet Knutsen by Bobbiejo B - Janet went above and beyond and made this process so smooth. I appreciate all her hard work and knowledge.

Click to see all 182 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

5.0 star review received on Experience.com for Janet Knutsen by Sarah B - I  have  never  bought a  house  before  and t...
10/30/2025

5.0 star review received on Experience.com for Janet Knutsen by Sarah B - I have never bought a house before and this was a good experienc, although very stressful.

Click to see all 180 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

5.0 star review received on Experience.com for Janet Knutsen by Amber F - .  Janet is always consistently, responsive, p...
10/29/2025

5.0 star review received on Experience.com for Janet Knutsen by Amber F - . Janet is always consistently, responsive, professional, and knowledgeable. She is on a muyf lenders for those three reasons..

Click to see all 179 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

5.0 star review received on Experience.com for Janet Knutsen by Dianna K - Closed  quickly as  promised and  buyers ,  a...
10/20/2025

5.0 star review received on Experience.com for Janet Knutsen by Dianna K - Closed quickly as promised and buyers , agent and lender all worked quickl!

Click to see all 177 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

5.0 star review received on Experience.com for Janet Knutsen by Dahan M - Janet you get it done.
09/22/2025

5.0 star review received on Experience.com for Janet Knutsen by Dahan M - Janet you get it done.

Click to see all 176 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

5.0 star review received on Experience.com for Janet Knutsen by Brandy G - Amazing  people  to  work  with!  Janet  and ...
07/24/2025

5.0 star review received on Experience.com for Janet Knutsen by Brandy G - Amazing people to work with! Janet and Laurie were alway helpful. the process was so easy and no stress.

Click to see all 174 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

5.0 star review received on Experience.com for Janet Knutsen by Sean L - Janet  would  Answer my  calls  even  if  it  w...
06/28/2025

5.0 star review received on Experience.com for Janet Knutsen by Sean L - Janet would Answer my calls even if it was Sunday . Very nice to work with her

Click to see all 173 reviews of Guild Mortgage - Janet Knutsen, Senior Loan Officer | NMLS # 501021

Address

463 Mountain View Drive, Suite 103
Colchester, VT
05446

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