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The place that keeps you grounded, where you're free to be you. That's home.

My wife and I wanted to fulfill a dream to buy a home on the coast of Maine. We worked with Scott Sarapus, and I can tell you that you would be well served to have him in your corner if you have any kind of financial needs. The confidence he gave both my wife and I, that we were making the right decision, is pretty hard to substitute.

Keith Canning, Division President, Core-Mark New England

Meet Your Androscoggin Bank Mortgage Team

Which lender would you like to meet?

Karen Shaw

Karen has been in banking for over 30 years, and has worked to provide home mortgages to clients for the last 20 years. She is a member of the LA Metropolitan Chamber of Commerce, Auburn Business Association, and the City of Lewiston Loan Committee. Karen loves spending time with family and friends while sitting by the pool at her home in Lewiston.

Sam Rotondo

Sam joined Androscoggin Bank’s mortgage team in October of 2021. He has experience in every facet of residential lending, from Portfolio to Jumbo, Government and Land. Sam takes pride in being of service to his clients with an unwavering focus on doing what is truly in their best interest. 


Matthew Nash

Matt has been with Androscoggin bank since May 2021, with over 3 years of lending experience in total. He is a partner to his clients in order to help make large life milestones of theirs that is memorable, easy and stress free.

Scott Sarapas

Scott has worked in residential real estate since 2002. Scott takes pride in his work and the Bank’s focus on having a positive community impact in our Maine communities. Scott lives in Falmouth with his wife Lynn, a writer, and their two children Max and Violet.

Greg Dauphinee

Greg believes in giving Maine families the service and attention they deserve and expect when buying or refinancing a home. He is based in our Portland Office and brings a hardworking ethic and attention to detail to all his clients.

Garrett Ryan

Garrett's goal is to simply do what is best for his clients.  He has a passion for tailoring loans to meet his clients' various needs.  Garrett resides in Scarborough, Maine with his wife Miranda and two boys.

Mortgage products that make you feel at home.

There is no denying the home buying process is complicated. We’ve made the process as simple as it can be, and wanted to provide you with plain talk descriptions of some of our most used mortgage products. No matter what you pick, we’ll be with you every step of the way and walk you through the entire process.

Mortgage Products


Fixed-Rate Mortgage

One monthly payment for the life of the loan.

Adjustable Rate Mortgage

Your rate and payment adjusts at a set time.

Jumbo Loan

Great Options for larger loans.

Federal Housing Authority (FHA) Loan

A loan with more flexibility than a conventional mortgage.

Veterans Affairs (VA) Loan

Little or no down payment required for active military personnel, veterans, reservists or National Guard members.

Rural Development (RD) Loan

100% financing with a credit toward closing costs.

Maine State Housing First Time Home Buyer

A loan with a credit towards closing for purchase of one's first home.

Looking for more information?

Let these tools and resources help you along your home shopping journey.