Michael Breda, Vice President Residential and Consumer Lending

Michael is a graduate of the Wharton School at the University of Pennsylvania where he received a Bachelor of Science degree in Economics with majors in both Management and Marketing. His 25+ years of residential and consumer lending experience includes mortgage program development, counseling for first time home buyers, and the coordination of housing initiatives offered through local, State, and Federal housing agencies. Michael is a member of the Board of Directors of the Lowell JAMBRA neighborhood association and the Challenge Unlimited Advisory Council at Ironstone Farm in Andover. You can reach Michael by email at mbreda@lowellcoop.com or by calling (978) 322-7018.

John Dyer, Senior Mortgage Officer

John has more than 30 years of experience in assisting home buyers, sellers and real estate brokers. His knowledge, experience and extensive network of contacts in and out of the real estate industry allow him to help anyone fulfill their real estate finance goals. John is an active member of the Dracut community, including Trustee of the Dracut Public Library and Finance Officer of the American Legion. John can be reached by email at jdyer@lowellcoop.com or by calling (978) 758-8163.

Jim Kohr, Mortgage Origination Manager

Jim brings over 30 years of experience in servicing the mortgage needs of consumers in the Merrimack Valley area. He holds a Bachelor degree in Consumer and Commercial Finance Management from University of Massachusetts Lowell. Jim has established himself as a major resource for First Time Home Buyers working closely with non-profit agencies around the Greater Lowell Area. As a teacher of Home Buyer Classes at both Merrimack Valley Housing Partnership and Community Teamwork Inc., Jim keeps current on down payment and closing cost assistance programs that may be available to LowellBank customers. You can reach Jim via email at jkohr@lowellcoop.com or by calling (978) 322-7010.

George Byron, Senior Mortgage Officer

George has been helping LowellBank customers with their home financing needs since 1992. Including George’s prior mortgage servicing and loan origination experience, 2009 marked his 30th year in the mortgage industry. He is an active member of the Massachusetts Mortgage Bankers Association and the Massachusetts Bankers Association, as well as the Northeast Association of Realtors (NEAR). Contact George by email at gbyron@lowellcoop.com or by calling (978) 322-7012.