Meet Our Loan Officers

Andy Williams - President

Andrew Philip Williams (484) 695-5972

I have been in the mortgage industry for 36+ years. I spent the first four years of my career approving loans as an underwriter, and was trained on specific criteria that lenders use to determine what makes a qualified home buyer. Seeking to leverage my knowledge and experience to help home buyers find the right mortgage that meets their needs, I was hired as a mortgage loan officer with Meridian Bank in 1991. In the midst of CoreStates acquiring Meridian Bank in 1996, I decided to become a mortgage broker. Over the past 36+ years, I have helped over 10,000 families identify the best lender/programs available to achieve their goal of home ownership. I am told the qualities that set me apart from other lenders are:
  • My prompt response to phone calls, emails and texts ( If I don’t pick up the phone, I get back to clients soon after. )
  • My flexibility to meet with clients (evenings and weekends included.)
  • My knowledge of the business and especially, underwriting ( I don’t waste customers’ time and hard-earned money.)
  • My experienced and professional staff ( My operations manager has been with me for 21 years and counting .)
We offer all of the standard types of mortgages such as FHA/VA/USDA loans, but we also find unique products and programs that few lenders are able to offer such as:
  • Commercial loans (mixed use properties)
  • Conventional rehab loans that offer a repair escrow for home renovations
  • Mobile home financing
  • Low down payment loans with no PMI insurance required

Amber Devlin

Amber is a Senior Loan Officer with over 12 years of Mortgage lending experience. She specializes in helping find mortgages for homeowners buying in Schuylkill, Lehigh, Berks, and Carbon Counties. Call Amber at (570) 225-6691 for all your mortgage needs.


100 W Main St 1st Floor, Bath, PA 18014

Phone: (610) 837-1600
Fax: (610) 837-1616
NMLS # 113984


Monday – Friday, 9AM – 4:30PM. After hours by appointment.
Saturday, By appointment
Sunday, By appointment