Contact Me
Own what matters

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Stephen Chard

Loan Officer

50 Depot Road, 1st Floor, Falmouth, ME 04105
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info

Your home loan insights

Already a homeowner?
Find out what your home is worth and see how your equity can work for you.

Get your home estimate



5.0 out of 5.0 stars
Sep 27, 2021

Stephen was super knowledgeable and walked me through the entire mortgage lending process. He was extremely helpful and always transparent during the various stages leading up to closing. He made the entire process simplistic and was always available to assist my wife and I with any questions. Truly dedicated and a constant professional.
Aug 17, 2021

Stephen was always available and willing to explain any questions that came about and work with any requests I had. He was always patient and understanding!! He helped us work through any kinks that came about with a buyer backing out and then moving up the closing date. Very appreciative of his time and efforts with assisting us!
Jul 27, 2021

He was professional and responsive to my needs.
Jul 13, 2021

After moving to Maine from Texas my wife and I were nervous about obtaining a mortgage but Steve made the process painless and straightforward.
Jun 22, 2021

We refinanced our home mortgage with Residential Mortgage Services. The service was the best I had ever received through a mortgage company. We would definitely go back to this company again due to the professionalism and hard work shown consistently during the process.
Jun 22, 2021

Steve exceeded every expectation when dealing with my loan. He and Amanda were thorough yet not overbearing and always available for a text or a phone call to explain the process to me. I had a tricky situation that they made extremely easy and smooth. Thank you Steve and Amanda for all the hard work you put into helping my wife and I finance our dream home!

Video gallery

View More



Causes I'm
passionate about

NMLS ID #275348
I am authorized to do business in the state of Maine.