JANET marsh ebel, owner and founder - NMLS # 71268

Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs from multiple lenders would better serve the borrowing needs of the community.  Janet put her industry knowledge and experience to work founding her first mortgage company, Janet Marsh Associates.  The company was sold in 1992 after achieving $40 million in annual mortgage originations.  Janet now has nearly 30 years of experience as a mortgage finance specialist, managing the complex task of arranging financing for new and established residents and businesses in the Hudson Valley.   Over the years, Janet has developed a proven system for guiding clients through the rigorous – and time-sensitive – process of data collection that's required for originating, processing, underwriting and closing mortgages. Janet is a licensed Mortgage Loan Originator through the National Mortgage Licensing System in the States of NY and Florida.  Janet resides in Hudson, NY.

Ashley NGuyen, Mortgage Loan Originator (MLO)- NMLS # 1038759

Ashley was born and raised in the Hudson Valley, where she earned her Bachelors in Psychology at the State University of New York and a Masters in School Psychology.   Ashley's interest in the mortgage industry was sparked through her first meeting with Janet.  She quickly learned the detailed mortgage business and developed her desire to incorporate mortgage lending into her repertoire of professional experience.  With her combined background in the fields of psychology and mortgage processing, she is uniquely qualified to assist clients who may experience a variety of needs and emotions while going through the mortgage lending process.  Ashley specializes in First Time Homebuyer programs.  Her research and understanding of the detailed guidelines are an asset to clients wishing to utilize these programs to achieve their first time home buying goals.   Ashley is a licensed Mortgage Loan Originator through the National Mortgage Licensing System in the State of NY.