Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Open An Additional Account

If you are a current member of SMCU, opening additional accounts is easy. Just log into SMCU OnLine and click "Open an Additional Account" located in the Services section of the online home page.

Open Another Account Through SMCU OnLine               Open Another Account as a Guest

Security Lock SMCU OnLine Login
Apply Now

Continue an Existing Application
Get a Custom Rate Quote

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

Book an appointment with one of our home loan experts.

Contact Me!

Fill out the request form and an SMCU mortgage expert will contact you.

Request Contact

Buying a home?

We want to help.

Click for details

Time to Refinance?

Let us make it easy

Click for details

New room or roof?

Home Equity Loans and Lines

Click for details

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:

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

Cheryl Rayo

Cheryl is responsible for managing the Real Estate Loan Origination Team — overseeing the entire process from the point of application to the issuance of final loan documentation.

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

Read Cherylís Personal Statement >

 

Apply Now

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

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

Jan Regala-Freeman

Jan is responsible for guiding members to the mortgage product that is right for them. She guides all mortgage applications from origination to funding with the highest levels of service and expertise.

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

Read Janís Personal Statement >

 

Apply Now

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

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Efraim Meshulam
Real Estate Loan Officer
(650) 817-1985
emeshulam@smcu.org

Efraim Meshulam

Efraim is responsible for guiding members to the mortgage product that is right for them. He guides all mortgage applications from origination to funding with the highest levels of service and expertise.

  • With SMCU since 2016
  • 10 years of mortgage industry experience
  • NMLS #1484106

Read Efraimís Personal Statement >

 

Apply Now

Efraim Meshulam“I pride myself on the work I do for the members I serve. I focus on taking the time to listen, making certain that I offer mortgage products that meet your specific, individual needs. There’s nothing more satisfying than seeing a member close their loan and move into, or remodel, their beautiful home.”

~ Efraim Meshulam

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

Silvio Gomez

Silvio is responsible for guiding members to the mortgage product that is right for them. He guides all mortgage applications from origination to funding with the highest levels of service and expertise.

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

Read Silvioís Personal Statement >

 

Apply Now

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

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

Veronica Fitzsimmons

Veronica is responsible for guiding members to the mortgage product that is right for them. She guides all mortgage applications from origination to funding with the highest levels of service and expertise.

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

Read Veronicaís Personal Statement >

 

Apply Now

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

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Make an Appointment

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

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