Mortgage - Who We Are

Rose Mahler

Luzerne Bank Mortgage Services 
Mortgage Loan Officer
MLO NMLS #145168

Education & Accreditations

• BS, Healthcare Administration, King's College, Wilkes Barre, PA

Experience

Rose has over 12 years experience in the mortgage industry with a specialization in secondary financing for Conventional, FHA, VA, USDA/Rural Development, PHFA and New Construction Loans. Prior to coming to Luzerne Bank, Rose had been employed as Vice President of Sales with MGE Mortgage Group.

Joseph Kadelak

Luzerne Bank Mortgage Services 
Mortgage Loan Officer
MLO NMLS #1681756

Experience

With over 12 years of successful residential lending experience, Joe specializes in Conventional and FHA lending, as well as developing VA, USDA, PHFA and new construction.  His goal is to make the dream of home ownership a reality.

Sara Rutt

Luzerne Bank Mortgage Services 
Mortgage Loan Officer
MLO NMLS #1562502

Experience

With 10 years of mortgage experience, Sara specializes in Conventional, PHA, PHFA, VA, USDA, construction lending, as well as refinancing.  Her goal is to make sure her customers find the mortgage products that best fit their needs.