Home Loan Experts

Our team is here to help you find the right mortgage

Our friendly mortgage experts who live in your community will take the time to find the right loan for you.

Meet the team who will guide you through the entire home loan process

Whether you're buying a home in California or you want to refinance your existing mortgage, Monterra Credit Union's home loan experts are with you every step of the way. 


Veronica Valentine
Real Estate Sales Manager
(650) 817-1983
[email protected]

  • With Monterra since 2016
  • 8 years of mortgage industry experience in California
  • NMLS # 833312

“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 Valentine

Angelica Luna
Senior Real Estate Loan Officer
(650) 817-1954
[email protected]

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

“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

Mike Daddona
Senior Real Estate Loan Officer
(650) 817-1980
[email protected]

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

“Whether it’s 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 client’s 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

Ginelle L. Cooke
Senior Real Estate Loan Officer
(650) 817-1997
[email protected]

  • With Monterra since 2020
  • 5 years of Mortgage Industry experience
  • NMLS #1025164

“You are not just a loan number to me, you are an individual with specific goals when it comes to looking for the perfect home loan. I will work closely with you in order to achieve the best possible scenario for your home purchase or refinancing needs, while striving to guide you through the entire process with as much ease as possible.”

~ Ginelle Cooke

Renovations must comply with all applicable state and local laws and regulations, including zoning regulations. All permits and approvals must be obtained. All mortgage loans through Monterra Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans are subject to credit approval. Please speak with a Real Estate Representative for current rates and information on loan limits as additional conditions and restrictions may apply. 

Monterra Credit Union NMLS #416747.

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