meet THE GEM
mortgage team

Jose Luis Medina
Loan Originator

Jose Villafan
Loan Officer

Joseph Miranda
Loan Originator

Joseph Sterlino
Loan Officer

Josue Marroquin
Loan Officer

Joyce Kreminski
Loan Originator

Judy Gonzalez
Branch Manager

Judy Snyder
Branch Manager

Julia Gallardo
Loan Originator

Julieta Gallegos
Loan Originator

Kaylee Wood
Loan Officer

Kelly Carrera
Loan Officer
leadership TEAM

Howard Kootstra
CEO

Joe Ewens
President

Rebecca Wegman
EVP/Operations

David Chesney
EVP/CFO

Robert Satnick
EVP Secondary Marketing

Madison M. Christian
General Counsel/EVP – Legal and Compliance