> ***LAPP**(LENDER APPRAISAL PROCESSING PROGRAM) allows the lender, not
> VA, to process the appraisal and expedite the loan process.*

Note: the veteran may contact any lender of his or her choice. In fact
we encourage that two or more lenders be contacted to compare lender
response concerning interest rates, closing costs, processing times,
etc. The following lenders have applied for, received and are using LAPP
authority in New England & New York. Area of coverage and a phone number
are included. This usually results in faster appraisal processing time.
This is not a complete listing of VA approved lenders. Additional
lenders may be found by looking under "mortgage loans" in your local
Yellow Pages for lenders who indicate they make VA or "GI" loans. (6/08)

+---------------------------------+-----------------+-----------------+
| ## LENDER                       | **Coverage in   | #               |
|                                 | New England**   | ## Phone Number |
+---------------------------------+-----------------+-----------------+
| ALLIED HOME MORTGAGE CORP.      | MA,ME,NH        | 877 472-5626    |
+---------------------------------+-----------------+-----------------+
| AMERICU CREDIT UNION            | NY              | 315-624-0900    |
+---------------------------------+-----------------+-----------------+
| BANK OF AMERICA                 | All New England | 800-334-1920    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| BANGOR SAVINGS BANK             | ME              | 207-942-5211    |
+---------------------------------+-----------------+-----------------+
| CCO MORTGAGE                    | All New England | 401-282-4470    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| CHARTER ONE MORTGAGE            | NY              | 800 234-6002    |
+---------------------------------+-----------------+-----------------+
| CITIMORTGAGE                    | All New England | 800-667-8424    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| COMMONFUND MORTGAGE             | NY              | 800 724-7748    |
+---------------------------------+-----------------+-----------------+
| CORINTHIAN MORTGAGE CORP        | All New England | 800-365-2779    |
+---------------------------------+-----------------+-----------------+
| COUNTRYWIDE HOME LOANS, INC.    | All New England | 800 556-9568    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| CTX MORTGAGE CO.                | CT,MA,NH,NY,RI  | 800 666-5363    |
|                                 | & VT            |                 |
+---------------------------------+-----------------+-----------------+
| CUSO MORTGAGE CORP.             | ME              | 800-360-2876    |
+---------------------------------+-----------------+-----------------+
| DEVERE CAPITAL CORP.            | NY              | 888-433-8373    |
+---------------------------------+-----------------+-----------------+
| EASTERN BANK                    | MA & RI         | 800-327-8376    |
+---------------------------------+-----------------+-----------------+
| ELMIRA SAVINGS BANK, FSB        | NY              | 607-734-3374    |
+---------------------------------+-----------------+-----------------+
| FIRST HORIZON HOME LOANS        | All New England | 800-810-2161    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| FIRST NIAGARA BANK              | NY              | 800 201-6621    |
+---------------------------------+-----------------+-----------------+
| FIRST PRIORITY                  | NY              | 716 651-LOAN    |
+---------------------------------+-----------------+-----------------+
| FRANKLIN SAVINGS BANK           | NH              | 800-414-2568    |
+---------------------------------+-----------------+-----------------+
| GMAC MORTGAGE CORP              | All New England | 800 888-GMAC    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| GRANITE BANK DBA OCEAN NATIONAL | NH, Part of ME  | 800-639-2132    |
| BANK                            |                 |                 |
+---------------------------------+-----------------+-----------------+
| HOME FUNDING FINDERS            | NY              | 800-444-6313    |
+---------------------------------+-----------------+-----------------+
| HOMESTEAD FINANCIAL             | NY              | 315-445-2000    |
+---------------------------------+-----------------+-----------------+
| HOMESTEAD FUNDING CORP.         | CT, MA,MME. NH  | 800-724-1329    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| HSBC MORTGAGE CORP.             | All New England | 800-622-7759    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| IVY MORTGAGE CORPORATION (SIB   | All New England | 800-999-2489    |
| MTG)                            | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| J. P. MORGAN CHASE/CHASE HOME   | All New England | 800-873-6577    |
| FINANCE                         | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| KENNEBUNK SAVINGS BANK          | ME & NH         | 800 339-6573    |
+---------------------------------+-----------------+-----------------+
| KEYBANK MORTGAGE                | ME, NH, NY & VT | 800 487-8334    |
+---------------------------------+-----------------+-----------------+
| LACONIA SAVINGS BANK            | NH              | 800 832-0912    |
+---------------------------------+-----------------+-----------------+
| M & T BANK                      | All New England | 800 726-5626    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| MCCUE MORTGAGE                  | CT              | 800 382-0017    |
+---------------------------------+-----------------+-----------------+
| MERRIMACK MORTGAGE COMPANY      | All New England | 800-877-8686    |
+---------------------------------+-----------------+-----------------+
| MORTGAGE ACCESS CORP DBA        | All New England | 800-829-2274    |
| WEICHART                        |                 |                 |
+---------------------------------+-----------------+-----------------+
| MORTGAGE IT, INC.               | NY & NE         | 212 651-7700    |
+---------------------------------+-----------------+-----------------+
| MORTGAGE MASTER, INC.           | All New England | 888 263-1435    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| MORTGAGE SERVICE CTR of         | CT, MA, NH, VT  | 800 447-1872    |
| NE/CHITTENDEN                   |                 |                 |
+---------------------------------+-----------------+-----------------+
| NATIONAL CITY MORTGAGE          | MA, NH & NY     | 800 367-9305    |
+---------------------------------+-----------------+-----------------+
| NAVY FEDERAL CREDIT UNION       | All New England | 800 368-3657    |
+---------------------------------+-----------------+-----------------+
| NE MOVES MORTGAGE               | All New England | 800793-5626     |
+---------------------------------+-----------------+-----------------+
| NORTHWEST SAVINGS BANK          | Western NY      | 877-672-5678    |
+---------------------------------+-----------------+-----------------+
| NOTHNAGLE HOME SECURITIES       | Western NY      | 585 461-4110    |
+---------------------------------+-----------------+-----------------+
| NVR MORTGAGE CORP.              | Western NY      | 800 926-9966    |
+---------------------------------+-----------------+-----------------+
| PEOPLE\'S MORTGAGE CORPORATION  | New England     | 800-865-8654    |
+---------------------------------+-----------------+-----------------+
| PHH MORTGAGE SERVICES, INC./    | All New England | 800 446-0963    |
| MTG. SVCS.                      | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| PROVIDENT                       | NY              | 845-986-2206    |
+---------------------------------+-----------------+-----------------+
| REGENCY MORTGAGE CORPORATION    | NH, ME, MA, CT  | 888 646-5626    |
|                                 | & RI            |                 |
+---------------------------------+-----------------+-----------------+
| REPUBLIC MORTGAGE LENDING       | All New England | 800 882-9125    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| RESIDENTIAL MORTGAGE SERVICES   | ME & NH         | 800-640-0753    |
+---------------------------------+-----------------+-----------------+
| ROSS MORTGAGE                   | MA              | 978-860-0100    |
+---------------------------------+-----------------+-----------------+
| SALEM FIVE MORTGAGE CORP.       | MA, ME, NH      | 800 472-5365    |
+---------------------------------+-----------------+-----------------+
| SCHAEFER MORTGAGE CORP.         | NH, VT          | 800 367-3778    |
+---------------------------------+-----------------+-----------------+
| ST. MARY'S BANK                 | NH              | 800 950-8850    |
+---------------------------------+-----------------+-----------------+
| STONEHAM (MA) CO-OPERATIVE BANK | MA, NH, RI      | 781-438-0430    |
+---------------------------------+-----------------+-----------------+
| SYRACUSE SECURITIES             | NY              | 315-424-0218    |
+---------------------------------+-----------------+-----------------+
| TD BANKNORTH MORTGAGE GROUP     | CT, MA,ME,NH,   | 800 462-3666    |
|                                 | VT & NY         |                 |
+---------------------------------+-----------------+-----------------+
| THE FUNDING SOURCE              | NY              | 315-434-9292    |
+---------------------------------+-----------------+-----------------+
| UNIVERSAL MORTGAGE CORP.        | MA, NH, VT      | 800 385-0112    |
+---------------------------------+-----------------+-----------------+
| USAA                            | All New England | 800 531-8464    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+
| WACHOVIA MORTGAGE CORP.         | All NE, NY      | 866-505-1675    |
+---------------------------------+-----------------+-----------------+
| WEBSTER BANK                    | All New England | 888 681-7788    |
+---------------------------------+-----------------+-----------------+
| WELLS FARGO MORTGAGE CORP.      | All New England | 800 964-2226    |
|                                 | & NY            |                 |
+---------------------------------+-----------------+-----------------+