Our Team

William R. Nicholson, President

William R. Nicholson has over 35 years of commercial, mortgage and investment banking experience. Prior to joining Heritage Capital Group, (www.heritagerealtycapital.com) Mr. Nicholson spent 15 months with BSE Management, a private equity firm focused on acquiring failed banks. In this role he managed the due diligence and bank target processes. At Heritage Mr. Nicholson concentrates on M&A advisory assignments, commercial real estate, capital raising, debt placement and litigation support.

Since 2003, Mr. Nicholson has headed up his own firm, WRN Financial. The company focuses on litigation support to attorneys in real estate/banking disputes, strategic consulting regarding real estate finance and lending, and executive search for bankers.

After retiring from Bank of America at the end of 2002, Mr. Nicholson was a managing director for Chatsworth Securities. While at Chatsworth, he worked on project financings for homebuilder and apartment clients of the firm. He also was involved in acquisition, divestiture, and advisory assignments with private real estate companies.

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  • Quentin Kapke

    Mr. Kapke has 30 years of banking experience, as well as 7 years of working for the State of Florida as an Examiner in charge of examinations in the southern region from 1973 through 1980. Following his position with the State of Florida, Mr. Kapke joined Barnett Bank, in Ft. Lauderdale, as Vice President in the Commercial Real Estate division. He later moved to Lakeland, Florida with Barnett as the Senior Vice President in charge of Commercial Real Estate.  [read more]

  • Elizabeth H. Taylor

    Elizabeth H. Taylor has 28 years of experience in real estate development and construction finance. Prior to joining Heritage Capital Group, she worked as a small business consultant - primarily to local banks and construction-related businesses. Ms. Taylor provided portfolio review for financial institutions and also, worked with small business owners to assess and consult on business viability and reorganizing and restructuring business operations. [read more]

  • Ed Mowat

    Over 40 years in Mortgage Banking with major emphasis in the early years on the Mortgage Origination and Servicing side working with Commercial Banks as well as Savings and Loan Associations. The past 25 years reflect a concentration in Wholesale Mortgage Lending, as a Senior Underwriting Manager working with Mortgage Brokers and Correspondents with a major emphasis in Residential Mortgage Underwriting. This Underwriting group was responsible for a mixture of Conventional loans as well as FHA/VA and USDA loans, closing roughly $60 Million annually.   [read more]

  • Patricia Forcier

    Patricia Forcier has over 40 years of real estate mortgage banking experience.

    Her experience includes mortgage origination, mortgage underwriting, review of Security instruments (Mortgage/Deed of Trust), Mortgage Notes, title policies, property appraisals and credit documentation for multiple states. She further has extensive experience in forensic underwriting and fraud analysis.

    Prior to joining WRN Financial, she held senior positions with Deutsche Bank, Chase Manhattan Mortgage and GE Capital mortgage.   [read more]

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