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Our Mortgage Staff has over 100 years of collective banking and mortgage experience. Let our team guide you through the mortgage process, and provide you with the personalized customer service you deserve!

Charlie Frees
Frank Marotta
Vice President, Residential Mortgage Manager
Residential Mortgage Staff
 

Charlie Frees

As a Residential Mortgage Originator at 1st National Bank of Scotia, Charlie Frees has been assisting homebuyers in achieving the American dream. While he focuses primarily on new homebuyers throughout the Capital Region his expertise expands to every asspect of the mortgage industry.

While Charlie has established a strong foundation of repeat customers, and referral business he has made himself available to all of 1st National Bank of Bank of Scotia to lend his expertise and vast array of knowledge.

Prior to entering the mortgage industry Charlie work as a real estate professional giving him a depth of knowledge that few can surpass. Charlie has seen the evolution of the mortgage industry with over 20 years of experience.





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Frank Marotta

As a Residential Mortgage Originator at 1st National Bank of Scotia, Frank Marotta has been creating lasting relationships throughout the Capital Region. While he focuses primarily on establishing new relationships with real estate professionals and other referral sources throughout the Capital Region he has become an individual a Borrower can rely on.

While Frank has established a strong foundation of repeat customers, and referral business he has made himself known for finding solutions for his Borrowers with his vast knowledge of the mortgage industry

Prior to establishing himself at 1st National Bank of Scotia Frank as been in the mortgage industry for over 10 years providing us with a unique view of the mortgage industry.





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Vice President, Residential Mortgage Manager

Joyce Poulin, Vice President and Residential Mortgage Manager has a combination of over 26 years of mortgage and banking experience. Her goal is to see that your mortgage experience with 1st National Bank of Scotia is a smooth and pleasant one.



 


Residential Mortgage Staff

 Residential Mortgage Processors

Each mortgage processors primary function is to ensure the accuracy and timely progression of each mortgage application.  They take pride in helping each Borrower understand the process of their mortgage application.

Anita, has a combination of over 25 years of banking and mortgage experience to offer, with over 10 years of that in the mortgage industry.

Janet, has over 25 years of service with 1st National Bank of Scotia and can answer various questions regarding your application and banking matters.  

Lelani, has over 10 years of service with 1st National Bank of Scotia and currently handles the processing of H/E requests through eeach branch.

Residential Mortgage Underwriter

Jim, has over 10 years of service with 1st National Bank of Scotia and currently handles each mortgage application to ensure its accuracy and completeness based on Government guidelines.

Residential Mortgage Coordinator

Sean, has over 2 years of service with 1st National Bank of Scotia.  He currently assists each Mortgage Professional to help Borrowers before going to application.

Special Projects Coordinator

Dylan, has over 4 years of service with 1st National Bank of Scotia and currently assists each member of our Team with various supportive duties. NMLS#881438