East Smithfield (PA)

Michelle Rae is a Mortgage Loan Originator at C&N covering Bradford County. She had 19 years of experience in a similar capacity prior to joining C&N's Lending Team in 2012. Michelle's office is in our Towanda Branch located at 428 Main Street, Towanda, PA 18848.

Michelle has her Bachelor's Degree in Business with Minors in Communications and Human Resources.

Kathi Heimbach is a Business Development Sales Officer at C&N covering Bradford and Tioga Counties. She has 26 years of banking experience with C&N. Kathi received her certificate from the PBA School of Banking in 2009. She has been involved in Lending since January of 2009, specializing in Mortgage and Small Business Lending. She grew up on a dairy farm and owns an operating farm, so she can to identify with the small business pressures to be successful in rural PA. She works with customers that can include a mix of wage income, business income and property types. She enjoys being able to work with a variety of requests. If you would like to contact Kathi with any questions about a home loan or would like to set up an appointment, you can call her or send an email.