Virna Brown, Equal Housing Opportunity Lender (ENVOY MORTGAGE LTD NMLS# 6666) Mortgage and Lending



Virna Brown
Equal Housing Opportunity Lender
location_on Franklin, MA — ENVOY MORTGAGE LTD NMLS# 6666
MLO# 35630
Get to Know Virna Brown


       Buying, refinancing, needing home improvements, or rate shopping? I have a solid history in the mortgage industry, servicing  the greater Boston area (Southern Massachusetts, Northern Massachusetts, Eastern Massachusetts, Western Massachusetts), Rhode Island, CT, and NH.  I have a BS in Business Administration & financial studies from Bryant University in Smithfield Rhode Island.  As a local & trusted Mortgage Lending Professional for the past 20 years, I've seen a lot of changes in the real estate industry; some good, some bad. What I've learned is: "know your business & have your business know you."  That is what I do so well. I've built my business on a history of customer referrals and deep relationships with top producing realtors.  "Your mortgage lender for life".  Do right by the people & they will come back.   

      Helping people & building relationships is my true passion.  I continue to seek and give value added services to my customers & referral partners.  Educating first time home buyers on the importance of credit scores, financial responsibility, and the benefits of homeownership; down to structuring a loan that's affordable and makes sense. I have the ability to find the best loan programs for my consumers. Not all loans are created equal, and neither are consumers

      Although I am extremely versed with all mortgage loan products, I am most known for being a FHA loan specialist, and working with first time home buyers.  The FHA loan is probably the single best loan program for the first time home buyer in the market today. However, FHA loans are not just for first time homebuyers anymore.  This program is growing in popularity because of what it can offer in a world of tightening guidelines. Read my posts to learn more.

     Guaranteed Rate is a correspondent lender and can also act in the capacity of a Broker if needed.  This means we are direct lenders that operate, underwrite, and lend with their own money.  Working for a correspondent lender allows me to work with many large national banks and local banks in your community; giving me the ability to find the best programs, and guidelines from each.   Acting as a broker gives me the capacity to search out lenders that dont meet the traditional rules of a mortgage.  Going with me is a one stop shop.  I can offer flexibility to the consumer, rather than the consumer being chained only to the underwriting guidelines of that one bank. It's a win-win.  

        I also work with many successful realtors in and throughout New England.  For those who maybe looking to buy, I can pair you with some of the top realtors in your area to help find that starter homes to your ultimate dream home.  Need help finding a realtor to work with in your area? 


Sales Manager – NMLS# 35630

Envoy Mortgage Ltd - NMLS:6666

Envoy Mortgage is an Equal Housing Lender – This is not a commitment to lend.

Licensing and Disclosure Information can be found at:


First Time Home Buyer education.  Government lending specialist:  FHA, 203k streamline & renovation, VA, USDA, Reverse mortgages.  Mass Housing Loans.  Conventional loans:  Fannie Mea, Freddie MAC, DU Refi plus.   Jumbo and super Jumbo loans.  Portfolio products ( the loans that banks wont buy- we have a" Make Sense Lending" approach for. )


Sr. Loan Officer NMLS#35630 MA-RI-NH Branch NMLS NH48404 Licensing & Disclosure Information can be found at