Meet the Mortgage Team

NMLS# 2043320

Sarah has been an integral part of the Mortgage team at Workers for over six years. Recognized as a top originator in Central Massachusetts by Banker & Tradesman in 2023, Sarah is known for her expertise and proactive approach. With in-depth knowledge of the loan process from start to finish, she is dedicated to providing clear guidance and exceptional service. Whether you have mortgage needs or questions, Sarah is ready to help you every step of the way.

NMLS# 1796769

With over nine years of experience in the home lending industry, Jessica Fermin is recognized for her consultative, no-pressure approach. She excels at simplifying the home financing process, offering tailored solutions that align with each client’s unique goals. Whether it's purchasing a first home, refinancing, or investing in a multi-family, Jessica’s personalized guidance helps clients confidently achieve their homeownership dreams. Dedicated to building lasting relationships, Jessica combines her extensive knowledge with a client-first mindset to ensure every step is clear and stress-free. Outside of work, she enjoys outdoor adventures like swimming, camping, and paddle-boarding with her husband and their young child, embracing a fulfilling, balanced life.

NMLS# 745023

With over a decade of experience in loan origination, Eric is committed to putting borrowers’ best interests first. Whether working with first-time homebuyers, seasoned homeowners purchasing their sixth property, or clients refinancing their loans, Eric provides personalized guidance every step of the way. He takes the time to thoroughly explain loan products, ensuring a smooth and stress-free process. From crunching numbers to tailoring loan scenarios that fit your needs, Eric offers transparency and clarity. His goal is to help you make informed decisions with confidence.

NMLS# 19618

James Hirbour is an accomplished mortgage professional with an impressive 18 years of experience in the lending industry. A graduate of Bentley University with a degree in Economics - Finance, James has an unparalleled track record, having overseen thousands of transactions. Recognized as the #1 credit union loan officer in Massachusetts in 2024, James has successfully navigated every challenge in the mortgage world. With his deep knowledge of the industry, he offers clients a level of expertise that ensures they receive tailored, strategic advice for their home financing needs. Whether you’re a first-time homebuyer, looking to refinance, or need guidance on investment properties, James Hirbour is the seasoned loan officer you want by your side.

NMLS# 944213

With over 15 years of mortgage expertise, Jessie is passionate about helping families achieve their dream of homeownership. Named a top originator in Central Massachusetts by Banker & Tradesman in 2022, Jessie’s extensive experience spans all aspects of the mortgage process, including loan servicing, processing, and underwriting. Her comprehensive knowledge and dedication as a loan advisor provide her with unique insights that ensure a seamless experience for her clients. Jessie is committed to delivering exceptional service and is ready to assist with all your mortgage and home equity needs.

NMLS# 932914

With 18 years at the credit union and extensive lending experience, Jessica is dedicated to delivering exceptional member service. Whether you’re purchasing your first home or refinancing, Jessica is committed to guiding you through every step of the process. Her expertise and dedication ensure a seamless and supportive experience tailored to your needs.

NMLS# 33257

Julie brings more than 20 years of mortgage experience and over twelve years of service within credit unions to Workers. She has a strong and extensive background in lending, management, and member services. Dedicated to putting members first, she consistently goes above and beyond to exceed expectations. Julie's extensive knowledge and experience give her the tools and resources needed to ensure a smooth and seamless mortgage process.

NMLS# 1847446

Nick Spinosa brings a wealth of experience from both real estate sales and residential lending, offering a comprehensive understanding of the home-buying process. Nick is dedicated to simplifying the lending process, ensuring clients are confident and well-informed. He listens to each client's unique situation, providing customized financing solutions and clear, actionable advice. Whether you're stepping into your first home, refinancing, or investing in property, Nick's commitment is to make your journey smooth and stress-free.

NMLS# 857438

With over 20 years of mortgage lending experience and more than 35 years in banking, Betty brings unmatched expertise and leadership to her role. As the manager of the Mortgage Loan Officers and Residential Lending Advisors at Workers, she takes pride in guiding her team to success. Betty excels at analyzing complex scenarios and finding tailored solutions to help borrowers secure the right loan products. Her dedication to supporting her team and clients alike is at the heart of her approach.