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More Than Just a Lender

FCCB is here for all your mortgage needs. From Refinance to Purchase and everything in between, FCCB has you covered!


Our goal is to provide a superior mortgage lending experience. That means going above and beyond normal expectations and delivering exceptional service each and every time.


“FCCB goes the extra mile to ensure my customers’ loans are always closed on time. Escrow Management makes deposits a breeze. I truly appreciate the personal service that FCCB provides.”

John Spognardi, Owner Operator
Re/Max Signature
Customer since 2016



About Me

I am a seasoned mortgage Loan Officer since 1992 servicing NJ, PA, DE, and most states in the US. As a former real estate agent in the 80's, I have been gently guiding borrowers since 1985. As a veteran of the industry, I work hard to educate without obligation. 


I am a mother of two, "Mimi" to 6 beautiful grandchildren, and a 25 year catechist for the youth.


"Buying a home is the most important financial decision one can make. The news media and internet can mislead and confuse the process. My ultimate goal is to provide you with personal, professional, and caring service in a timely manner. Customizing your needs and finding your comfort zone to fit your family goals are my #1 priority!"




At FCCB, we believe investing in our communities encourages growth and helps our local economies thrive. We continue to help our customers succeed and strive to make it happen for you!


When you work with us, you can expect:

  • The utmost care and attention from a hard-working team.
  • Mortgage Products and solutions tailored to your needs.
  • The latest technology in mortgage lending enabling a fast an efficient loan process. We care deeply about the happiness and success of our customers and are trained to turn that care into action.

We dare to be different.



Contact Us

Joyce McQuaid
Senior Loan Officer

Mortgage Division
First Citizens Community Bank
1300 Route 73, Suite 105
Mt Laurel, NJ 08054
Cell: 610-656-6846                                                                                  
[email protected] 
NMLS # 552542