Chris Carter
Senior Vice President
Residential Mortgage Division
Tel:      215/589-6970 ext 1810
Cell:     215/431-4521
Fax:     215/489-2530
NMLS# 128061

ccarter@buckscountybank.net 

Industry veteran Chris Carter joined Bucks County Bank with over 20 years of mortgage finance experience in June, 2010 when the Residential Mortgage Division was created.

Throughout his career, he has achieved honors and maintained high production coupled with award-winning customer service.  Chris has originated and closed hundreds of millions of dollars in first and second mortgages for thousands of satisfied clients in purchase and refinance transactions.

Chris possesses a wide array of knowledge regarding various mortgage platforms including government lending (such as FHA, VA, USDA), first-time homebuyer programs (like PHFA), and Nonconforming (JUMBO) financing as well as Conventional (FNMA and FHLMC) products.

His extensive background includes retail and wholesale operations as both a banker and broker in residential and commercial arenas.  Having previously worked for 2 Fortune 100 companies, Chris has also been self-employed and was quick to recognize and appreciate relationships earned within the local community.

An active member of the Central Bucks Chamber of Commerce and Affiliate Member of the Bucks County Association of Realtors, he also plays and coaches soccer through the Central Bucks Athletic Association.  Chris has been a property owner and investor since he was 19.

A Philadelphia native, Chris relocated to Bucks County in 1997 and resides in Buckingham with his wife and 3 sons.  Chris graduated from Allentown College of St. Francis de Sales (now DeSales University) with a B.A. in English/Communications and is a Cardinal Dougherty High School alum (class of 1987).

Proud of his accomplishments and decades of proven service, Chris looks forward to working with you and meeting your mortgage finance needs.

What people are saying… “I was very satisfied with Chris who was of great assistance to me in my home buying process.  He was very knowledgeable and timely with responses to my questions and mortgage needs.”

-Audrey S., first-time homebuyer

Joseph B. Nelson
Sales Manager
Residential Mortgage Division
Tel:      215/589-6970 ext 1822
Cell:     215/530-9111
Fax:     215/489-2530
NMLS#704494

jnelson@buckscountybank.net           

Bucks County native and Residential Mortgage Division Sales Manager Joe Nelson possesses well over 2 decades of mortgage lending and supervisory experience.  Recently named to Philadelphia Magazine’s Five Star Mortgage Professionals, he is respected among clients and peers. 

An integral addition to Bucks County Bank, Joe’s responsibilities include recruiting suitable industry talent, developing and managing the loan officer sales force, cultivating cross-sell opportunities, and maintaining personal origination and production. 

Throughout his tenure, Joe has performed at Top Producer levels, closing hundreds of millions of dollars in first and second purchase and refinance mortgages for thousands of satisfied customers.  He has originated and settled virtually every loan type such as FHA/VA, Conventional, Non-Conforming, PHFA, Specialty Products, and Home Equity programs. 

Joe has cemented quality relationships with area experts and real estate professionals and formed deep bonds with his clients and co-workers alike.  We are proud to have Joe’s expertise and insights; his contributions will further compliment and grow the bank’s lending commitments. 

What people are saying… “Joe is the ultimate professional.  I’ve had the opportunity to work with him personally over the last several years, and his ability to get things done under all kinds of scenarios never ceases to amaze me.  Joe always has the best interest of the client in mind, and his follow up helps put everyone at ease.  I’d highly recommend Joe to handle my client’s mortgage needs.”   –Stephen Schmidt, CoreStates Capital Advisors, LLC (referral partner)

Robert E. O’Hara
Senior Mortgage Originator
Residential Mortgage Division
Tel:      215/589-6970 ext 1824
Cell:     267/918-5626
Fax:     215/489-2530
NMLS#142892

rohara@buckscountybank.net

Penn State grad and area resident Bob O’Hara has been originating and closing retail mortgage loans for well over 20 years.  A bona fide Top Producer, he performs at a high level and compliments the Bucks County Bank Residential Mortgage Division. 

A career professional and sales person, Bob puts the client first and offers insightful counseling and thorough customer service.  Dedicated and focused, he is efficient, extremely hard-working and successful.  As an industry expert, Bob has originated and settled virtually every loan type such as FHA/VA, Conventional, Non- Conforming, PHFA, Specialty Products, and Home Equity programs for thousands of satisfied customers. 

Bob possesses an accounting background, an eye for detail, and attends every settlement.  He brings vast experience and deep relationships formed over many years with real estate professionals and clientele to the bank.  We are confident that the bank and its customers will benefit from Bob’s many talents and contributions. 

Bob services our Doylestown banking office and looks forward to working with you.

What people are saying..."I would like to share with you our recent experience working with the Mortgage Team at Bucks County Bank.This past fall my wife and I had found a home that we wanted to purchase.  The concern was could we find a bank that would be able to move quickly enough and yet still remain attentive to the service process due to a very short closing window. I had Bob O’Hara’s phone number from previous inquiries regarding mortgage rates.  On the day we determined to make an offer on the home I called Bob, and he immediately went into action.  The consistency in attention to detail, responsiveness and understanding of the customer perspective from Bob truly made what could have been an incredibly stressful process relatively “easy”.  - Brit G., Homeowner

John E. Garrity
Senior Mortgage Originator
Residential Mortgage Division
Tel:      215/589-6970 ext 1823
Cell:     215/514-9425
Fax:     215/489-2530
NMLS#704421 

jgarrity@buckscountybank.net

John is a positive addition to Bucks County Bank and the Residential Mortgage Division.  As his title suggests, he brings a wealth of industry knowledge in his 30+ years’ experience. 

In these 3 decades, John has effectively and efficiently originated and closed thousands of residential retail mortgages while maintaining excellent customer service.  Beginning with the preliminary counseling (such as prequalification and credit screening), John advises and apprises clients throughout the loan process and completes the transaction by attending all settlements. 

John has created and settled virtually every loan type such as FHA/VA, Conventional, Non-Conforming, PHFA, Specialty Products, and Home Equity programs. He possesses a sterling reputation and has established deep relationships with clients through quality service.  Dedicated to the community, John continues to maintain high standards and is instrumental in making Bucks County Bank and the Residential Mortgage Division a destination for first-time homebuyers and repeat customers alike. 

Assigned to our Lower Bucks County branches, Bensalem and Levittown, John looks forward to working with you.

Jim Trauger
Senior Mortgage Originator
Residential Mortgage Division
Tel:      215/589-6970 ext 1825
Cell:     215/933-8021
Fax:     215/489-2530
NMLS#829026

jtrauger@buckscountybank.net 

Lifelong resident of Bucks County, Jim Trauger joins the Residential Mortgage Division and Bucks County Bank as a valuable asset to our team.  He combines vast mortgage knowledge and experience with dedication and deep commitment to customer service. 

Jim’s background not only includes Mortgage Origination, but also entrepreneurship as a local small business owner.  He has always been involved in the community both in business and in the volunteer sector. 

Over a period of many years, Jim has developed lasting relationships with affiliated professionals such as accountants, attorneys, wealth managers and realtors, as well as their clients. 

Jim’s penchant for detail and exemplary customer service is evidenced by his clients’ repeat business and wide sphere of influence.  We are confident that the bank will continue to grow its portfolio through his contributions. 

Eric Goldberg
Senior Mortgage Originator
Residential Mortgage Division
Tel:      215/589-6962
Cell:     215/520-2722
Fax:     215/489-2530
NMLS#221881

egoldberg@buckscountybank.net 

Eric Goldberg is mortgage professional with years of experience originating residential mortgages. He is very knowledgeable with all mortgage products; traditional conventional, PHFA, FHA, VA and the Home Affordable Refinance Program for homeowners that are equity challenged. He has strong background in products for first time home buyers that offer special incentives and financing options. Eric dedicates his time to insuring his clients are well informed, enabling them to make sound educated decisions. Eric works out of our Bensalem branch office and is looking forward to sharing his wealth of information with you.

Michael Ferrier
Mortgage Originator
Residential Mortgage Division
Tel:      215/589-6228
Cell:     267/424-5461
Fax:     215/589-6219
NMLS#1008036

mferrier@buckscountybank.net 

A resident of Bucks County, Mike Ferrier joins the Residential Mortgage Division and Bucks County Bank as a valuable asset to our team.  He combines his education and experience along with new ideas to contribute to our team’s growth. Mike’s background not only includes education in business and mortgage lending, but years of customer service.  Mike has been involved in the Bucks County community throughout the years in school, church, and our local sports teams and continues to have a true passion for our area.  Over the years, Mike has made many lasting relationships and continues to network his way to the top. Mike is a part of our Doylestown branch, and looks forward to the opportunity to work with you.