Meet Our Mortgage Team
Tom Kmetz
Tom joined the 1st National Bank of Scotia mortgage team in 2017, bringing more than 15 years of experience in the mortgage industry. Whether you are searching for your dream home, are a first-time home-buyer or simply buying a new home, Tom can help you navigate the options to consider when investing in a home loan.
Tom will provide you with a professional and personalized customer service experience. Let's get started making your homeownership dream come true.
tjkmetz@firstscotia.com | (518) 795-8724 | NMLS#829751
Maria Concetta Nadoraski
With more than 20 years of experience in the mortgage industry, Maria has established a reputation as a trusted mortgage originator dedicated to helping clients achieve their dream of homeownership. Maria is passionate about finding creative financing solutions for her clients and has a large portfolio of lending in residential, investment properties, second homes, end loans and new construction.
Maria has become a vital resource for homeowners and Realtors alike, through her dedication to learning and unparalleled insight to better understand her client’s needs and goals when purchasing a home.
mcnadoraski@firstscotia.com | (518) 795-8438 | NMLS#53926
Charlie Frees
With over 32 years of experience in the mortgage industry, Charlie provides a depth of knowledge to our 1st National Bank of Scotia mortgage team. His vast knowledge and experience will help guide you through the loan process, find the terms that are right for your budget and make sure all the legalities are handled, so you can take possession of your new home.
With Charlie’s experience and caring professionalism, he makes the financial aspects of buying a home less stressful.
cwfrees@firstscotia.com | (518) 795-8376 | NMLS#603289