Outside shot of a Bank of Bartlett location. There is a blue tiger sculpture in the foreground.

Mortgage Officers and Locations

Ignite your life goals with Bank of Bartlett.
 

 

Our home mortgage team looks forward to working with you! 

Bartlett - Main Office
2860 Stage Village Cove
Bartlett, TN 38134
(901) 382-5999
 
 

Mortgage Loan Officers 

 
The Golden Rule guides Vivian's customer service philosophy, treating her clients as she would want to be treated. Her most prized awards are the collection of personal notes she has received from clients over her 36 year career in mortgage lending. 
 
NMLS# 479421
901.387.3049
 
 
 
 
Loan Processor: 
Paula Bowers, NMLS# 1579832 - 901.387.3029
 
Customer Care Center: 901.382.6600
 
 
 
  

Flex Lending Officers 

 
Chao has been a prolific producer in mortgage and banking loans for 12 years due in great part to referrals from pleased clients. A University of Memphis honors graduate, Chao guides his clients through the complicated maze of buying, financing and closing on their homes at the best rates and in the shortest time possible.
 
NMLS# 945237
901.315.7441

 
 
Loan Processors:
Debra Harvey, NMLS# 829853 - 901.387.3007
Cecil Pernecita, NMLS# 2057736 - 901.382.6652
Annette Edwards, NMLS# 422939 - 901.387.3028
 
Loan Assistants: 
Roberto Hernandez, NMLS# 1917092 - 901.328.4095
Amber Ware, NMLS# 1954233 - 901.382.6642
 
Customer Care Center: 901.382.6600
 

 

Austin is a Flex Lender at our Main Office, Bartlett branch. A Memphian since 1995, he started his career with Bank of Bartlett as a consumer underwriter before transitioning to mortgage lending. Whether you are a 1st time homebuyer, investor, or a seasoned buyer, he has a product for you!

NMLS# 1513067
901.604.9055

 
 
 
Loan Processors:
Annette Edwards - 901.387.3028
Paula Bowers - 901.387.3029
 
Loan Assistants: 
Roberto Hernandez - 901.328.4095
Amber Ware - 901.382.6642
 
Customer Care Center: 901.382.6600
 
 
 


Nancy is a Flex Lender at our Wolfchase Branch. She began her mortgage banking career with Bank of Bartlett in 2015. She has extensive knowledge and experience with mortgage loans for primary, secondary and investment properties as well as Home Equity Loans. Her goal is to provide an exceptional experience for all her customers.

Nancy Krahl
NMLS# 1433838
865.363.9942

 
Loan Processors:
Annette Edwards - 901.387.3028
Paula Bowers - 901.387.3029
Cecil Pernecita - 901.382.6652
 
Loan Assistants: 
Roberto Hernandez - 901.328.4095
Amber Ware - 901.382.6642
 
Customer Care Center: 901.382.6600


 

Bank of Bartlett Leadership Always Available to You

 
Chairman/CEO
901.382.6678

 

 

 

 

 

 

 

Harold Byrd
President
901.382.6657