Meet the Team

Local People. Local Decisions. Here For You!

We live and work here in South Central Pennsylvania, giving you access to local experts that can help find the best mortgage option for your unique needs.

Ways to Apply

Jack Bowers
Residential Mortgage Loan Originator
Southern PA and Maryland
 717-339-5203
jbowers@acnb.com
NMLS ID: 146254


With over 16 years of experience in the industry, Jack provides financing solutions for consumers who are looking to make home improvements or to buy, build or refinance a home.

Tracy Thomas
Residential Mortgage Loan Originator, C.M.P.
Franklin County, PA
 717-339-5176 •  717-830-0332
tathomas@acnb.com
NMLS ID: 631864


With more than 15 years of experience, Tracy provides financing solutions for consumers who are looking to make home improvements or to buy, build or refinance a home. Tracy works hard to find the best mortgage product for your family. 

Mary Jo HerrMary-Jo Herr
Residential Mortgage Loan Originator
New Oxford, PA Area
 717-339-5274 •  717-339-6645
mherr@acnb.com
NMLS ID: 783858


Mary-Jo provides financing solutions for those interested in buying or building a home, or refinancing an existing mortgage in New Oxford and surrounding areas. 

Kimberly Wilhelm, ACNB Bank MortgageKimberly Wilhelm
Residential Mortgage Loan Originator
Southern PA and Northern MD
 717-339-5019 •  717-253-0600
kwilhelm@acnb.com
NMLS ID: 1628961


As a Gettysburg native, I am familiar with Adams County and the surrounding areas. My 25 years in mortgage operations provides me with a unique understanding of the lending process that allows me to make your transaction a smooth one. Whether you are buying your first home, expanding for your growing family, downsizing, building your dream home or simply want to refinance, I look forward to speaking with you. 

Ways to Apply

Contact a Specialist

Complete the Mortgage Information Contact form to get started right away.

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Visit an Office

Our friendly, knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

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