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New to SMCU?

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Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

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New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

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Call (650) 363-1799 (Option #1)
Email: reloanofficers@smcu.org

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SMCU employee Jason Escobar at a desk 
helping a member

Dedicated to making the mortgage process easy.

Working with a credit union provides several advantages over larger lenders, but the two that stand above the rest are in-person support and knowledge of the local area.

Make an Appointment

Our team of mortgage experts is there for you:

  • When you want to buy a home, with advice on which loan is best for you and regular communication throughout the process.
  • When itís time to refinance, with an array of options from lowering your rate to changing your loan type or terms.
  • When you want to use your home equity to repair or remodel you home, pay for college expenses, or even consolidate debt.

Contact our mortgage team in one of three convenient ways:

You donít need to already be a member to contact us Ė weíll help you no matter what!

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Cheryl Rayo
AVP of Real Estate
(650) 817-1968
crayo@smcu.org

Cheryl Rayo

“My devotion to our members’ real estate lending needs involves managing SMCU’s mortgage team and providing specialized knowledge in residential lending. My mission is to offer personal and professional service by fostering teamwork, building relationships, and ensuring open communication, transparency, and accountability.”

~ Cheryl Rayo

  • With SMCU since 2015
  • 25 years of mortgage industry experience
  • NMLS #1383144

 

Apply Now

Silvio Gomez
Real Estate Sales Manager
Speaks Spanish
(650) 817-1992
sgomez@smcu.org

Silvio Gomez

“As a mortgage loan officer for 15 years, I offer my customers, no matter what their financial status, the knowledge and experience to find the best financial options. Whether you are buying, selling, refinancing or updating your dream home, you have a lot riding on the performance of your mortgage professional.”

~ Silvio Gomez

  • With SMCU since 2017
  • 16 years of mortgage industry experience
  • NMLS #726289

 

Apply Now

Jan Regala-Freeman
Senior Real Estate Loan Officer
Speaks Tagalog
(650) 817-1997
jregala@smcu.org

Jan Regala-Freeman

“My ultimate goal is to provide you with an array of mortgage loan products customized to suit your specific needs. I specialize in purchase transactions for down payments as low as 3% up to super jumbo loans to $3.5 million, but can help across the entire spectrum of home loans: first-time home buying, investment property, second home, refinance, home improvement, or any cash out needs – whatever you need, I encourage you to call me today!”

~ Jan Regala-Freeman

  • With SMCU since 2005
  • 5 years of mortgage industry experience
  • NMLS #1078763

Veronica Fitzimmons
Real Estate Loan Officer
(650) 817-1983
vfitzsimmons@smcu.org

Veronica Fitzsimmons

“I strive to offer products and services that add real value to our members and build meaningful relationships that result in a superior level of customer service.”

~ Veronica Fitzimmons

  • With SMCU since 2016
  • 5 years of mortgage industry experience
  • NMLS # 833312

 

Apply Now

Chris Sinhbandith
Real Estate Loan Officer
(650) 817-1985
csinhbandith@smcu.org

Chris Sinhbandith

“I have been in Mortgage Lending since 2002. My top three work traits include: Act with integrity and always do the right thing for customer. Listen to all customers, anticipate their unique needs, and work in partnership to achieve their goals. Build trust and long term relationships.”

~ Chris Sinhbandith

  • With SMCU since 2018
  • 15 years of mortgage industry experience
  • NMLS #453611

 

Apply Now

Angelica Luna
Real Estate Loan Officer
(650) 817-1954
aluna@smcu.org

AngelicaLuna

“Most individuals think about mortgage financing a very few times during their life, I think about it every single day, As a professional I strive to know more about my vocation than about my competence, I have an extraordinary commitment to making a difference in your life.”

~ Angelica Luna

  • With SMCU since 2011
  • 12 years of mortgage industry experience
  • NMLS # 594786

 

Apply Now

Mike Daddona
Real Estate Loan Officer
(650) 817-1980
mdaddona@smcu.org

Mike Daddona

“Whether itís buying a home, or refinancing, getting a mortgage is one of the biggest decisions we make in life. I take the time to understand each clientís unique needs, and educate them about available options. It is my duty to earn your trust, and it is my passion is to provide solutions that make life better.”

~ Mike Daddona

  • With SMCU since 2018
  • 12 years of mortgage industry experience
  • NMLS #1732992

 

Apply Now

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