Our Team

Our Branch Manager

Spencer Davis

Branch Manager
NMLS #681517
Office: 484-201-8366
447 Chestnut St
Emmaus, PA 18049
Licensed in Pennsylvania.
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Over the past decade and a half, I have enjoyed the opportunity to work with thousands of individuals, couples, and families during their home purchase or refinance. I love my job and view my role as a trusted advisor to our customers throughout the entire mortgage process.

My team utilizes a very organized, detail-oriented process to ensure that every customer understands the pathway to a successful mortgage and enjoys a great customer experience! We are also very intentional about making a positive impacting our local community, and have partnered and supported many local civic groups, non-profits, and local youth sports teams.

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Our Loan Officers

Renee Kukowski

Mortgage Loan Officer
NMLS #1078245
Office: 267-257-9218
447 Chestnut St
Emmaus, PA 18049
Licensed in PA and NJ
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Apply Now

John Capehart

Mortgage Loan Officer
NMLS #1309910
Office: 610-597-3887
447 Chestnut St
Emmaus, PA 18049
Licensed in Pennsylvania
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Apply Now

Philip Kresge

Mortgage Loan Officer
NMLS #1300977
Office: 484-695-9300
447 Chestnut St
Emmaus, PA 18049
Licensed in Pennsylvania
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Apply Now

Rebekah Tolar

Mortgage Loan Officer
NMLS #1053985
Office: 570-573-6492
672 South River Street Suite 310
Plains, Pennsylvania 18705
Licensed in Pennsylvania
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Apply Now

Staff

Holly Decker

Production Partner

Nikki Madsen

Processor

Kate Morgan

Loan Coordinator