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Your Mortgage Team

 Happy home buyers with their mortgage account representative

Our goal is to get you into your dream home as quickly & seamlessly as possible.

When you apply for a Columbia Bank home mortgage, you are assigned a personal Mortgage Account Executive who will work side-by-side with you from application to closing.  Our account executives are a phone call away, ready to answer any questions, help you with paperwork, & more. 
 

Your Residential Mortgage Team:

Elizabeth De Laney  Brian Haag 
 

 Meet Our Account Executives:

Ken Abel

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

Email Ken  Apply With Ken

 

 

Steve Andersen

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

Email Steve Apply With Steve

 

 

 

Nair Carvalhal

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

 Email Nair Apply With Nair

 

 

David Clark

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

Email David Apply With David

  

  


John Gallo

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

Email John Apply With John

 

 

Brian Karwoski

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

Email Brian Apply With Brian

  

Carlotta Miller

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

Email Carlotta Apply With Carlotta

  


Mary Pavlick

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

Email Mary Apply With Mary


  

Nuno Poitevin

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

Email Nuno Apply With Nuno

 

  

Taylor Reuter

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

Email Taylor Apply With Taylor

 

  

Luis Rojas

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

Email Luis Apply With Luis

 

 

 

April Spano

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

Email April Apply With April

 

 

  

Linda TooGood

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

Email Linda Apply With Linda

 

 

Erin Wujciak

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

Email Erin Apply With Erin

Buying a Home?

Our home loans are available in:
 
 
 

Customer Service

Need to talk to someone about banking at Columbia Bank? Contact our Customer Service Department

(800) 522-4167