Our goal is to get you into your dream home as quickly & seamlessly as possible.
Your Residential Mortgage Team:
Meet Our Account Executives:
Ken Abel has been part of Columbia Bank’s mortgage team since 1991, having produced over one billion dollars in residential mortgage loans. Ken does not consider every loan to be a transaction; instead he prides himself on creating relationships with his customers. He conducts business based on two words: integrity and balance.
Cell phone #:973-809-7687
NMLS #: 699070
Steve Andersen has been an accomplished, results-driven mortgage professional for over 25 years. He believes his personal service, combined with his industry knowledge, creates clients for life. Steve most enjoys sharing Columbia’s philosophy of providing an unparalleled client experience, along with unique programs and competitive rates.
Cell phone #:551-266-0144
NMLS #: 408326
Nair Carvalhal joined Columbia Bank in 2008 and has over 12 years of mortgage origination experience serving customers across New Jersey and nationally. Originally from Portugal, Nair speaks both Portuguese and Spanish. She is trusted by her clients because of her strong work ethic and drive. She most enjoys helping her customers achieve their financial goals.
Cell phone #: 551-266-0113
NMLS #: 242624
Dave Clark has over 30 years of experience as a residential mortgage originator and has been with Columbia Bank for 12 years. As a Bergen County native, his area of specialty encompasses northern Bergen County. Dave has a Bachelor of Science from Cornell University and currently resides in Ramsey.
Cell phone #: 201-264-9219
NMLS # 699087
John Gallo has been a Mortgage Banker for over 10 years, with the last 5 years being at Columbia Bank. He believes one of the reasons why Columbia is emerging as the leader in the South Jersey mortgage industry is because the bank focuses on developing lasting relationships and creating value for each customer. He also strives to handle each customer independently, providing knowledge, accountability, and exceptional service.
Cell phone #: 609-230-5398
NMLS #: 886855
Brian Karwoski began his career in mortgage lending in 2004 and most enjoys the positive impact he has on his clients’ lives. He believes that taking the time to understand his clients’ goals allows him to present custom-tailored options that are the best fit for them and their families. His knowledge of available financial instruments, underwriting guidelines, and banking laws that allow him to present the best financial solution.
Cell phone #:551-266-0132
NMLS #: 252612
Carlotta Miller has been a mortgage banker for over 20 years and has been with Columbia Bank for over 5 years. She enjoys helping customers realize their dream of home ownership and works to develop a relationship that moves beyond the initial transaction. She finds it rewarding to work for Columbia Bank because the company and its many programs afford her the opportunity to be successful alongside her customers.
Cell phone #: 973-568-9465
NMLS #: 1024017
Mary Pavlick has served the local mortgage industry for over 17 years and says she loves what she does. She has resided in New Jersey her entire life and is a graduate of Montclair State University. Mary prides herself on offering excellent customer service and quick turnaround times. She invites all customers looking to purchase or refinance a home to review Columbia’s great rates and products.
Cell phone #: 551-266-0137
NMLS #: 461440
Nuno Poitevin has over 20 years of experience within the banking industry. Nuno began his career as a processor assistant before becoming a loan officer, which gives him a strong advantage to create a stress-free customer experience. Nuno has extensive product knowledge and experience in many mortgage programs, as well as home refinancing.
Cell phone #: 201-310-4107
NMLS # 223216
Taylor Reuter has been a loan officer with Columbia Bank since 2017. Taylor prides himself on providing his clients with a superior level of customer service. He is always willing to make himself available outside normal business hours for his clients. Taylor specializes in working with first-time homebuyers, and offering personalized attention to detail in order to make the mortgage process as easy as possible, from pre-approval to closing.
Cell phone #: 973-303-8604
NMLS #: 1591699
Luis Rojas has been in banking for over 12 years. Throughout his career, he has always made his clients’ financial well-being his first priority. According to Luis, learning about his clients, especially their dream home needs is the most enjoyable part of his job. He looks forward to helping you reach your short-term or long-term goals.
Cell phone #: 848-200-8383
NMLS #: 566827
April Spano is knowledgeable in all aspects of residential mortgage purchases and refinances. She has been part of Columbia Bank’s mortgage team for over 24 years, as a Loan Officer for the last 12 years. April strives to provide a smooth experience from processing to closing, ensuring complete service.
Cell phone #:201-446-8017
NMLS #: 699050
Linda Toogood joined Columbia Bank in 1984 as a teller in their Voorhees branch; her son was born the same year. With true South Jersey grit and an eye for detail, Linda soon joined Columbia’s mortgage lending division as an account executive. For more than a quarter century, Linda has applied her understanding of the mortgage industry to assist clients—from baby boomers to millennials and beyond—achieve the dream of homeownership. Linda prides herself on being constantly available.
Cell phone #:609-330-3236
NMLS #: 699058
Erin Wujciak has been a top producing Loan Officer with Columbia Bank’s mortgage team for the past 21 years. She is thoroughly experienced in managing all aspects of the mortgage lending process, from application to closing. She takes great pride in ensuring a smooth mortgage process for all her clients.
Cell phone #:201-412-6598
NMLS #: 699068