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Apply for a Home Loan, Home Refinancing, or Home Equity Loan

Mortgage Originators

Choose and work with your Mortgage Originator

  • Ralph Flores

    Ralph Flores

    NMLS# 331989

    Ralph has enjoyed working in the mortgage industry since 2003. He is a graduate of Santa Fe High School and he holds a degree from SFCC.

    “Homeownership is one of the greatest ways a person can build wealth and I love the opportunity I have to help people fulfill this dream.”

    Ralph was born and raised in Santa Fe, NM. He loves to spend time with his wife Johanna and chasing after his three dogs, Ringo, Roco and Cricket.

    Call Ralph at (505) 455-5123 or send an email to [email protected] to discover your options for real estate financing.


  • Gilbert Varela

    Gilbert Varela

    NMLS# 484512

    Gilbert was born and raised in Las Vegas, NM. Gilbert graduated from New Mexico Military Institute and joined the United States Marine Corps. He has worked in the Mortgage Industry for 22 years in the great state of New Mexico.

    In his free time, Gilbert is a Videographer and film editor. He has worked on projects including short films and social media commercials.

    Call Gilbert at 505-455-4667 or send an email to [email protected] to discover your options for real estate financing.

    Apply and Work with Gilbert

  • Thelma Rodriguez

    Thelma Rodriguez

    NMLS# 437039

    Thelma has been caring for DNCU members for over 21 years. Her career with DNCU spans operations, member experience roles, and over 7 years in the mortgage lending area. Thelma specializes in Home Equity loans and Mobile Home loans.

    Through DNCU’s home equity programs, Thelma is able to match a member’s needs with a perfect solution. In some cases that is a debt consolidation loan to help with monthly expenses or home remodel to get that dream kitchen.

    The Mobile Home loans offered by DNCU are designed to match members with homes that fit their lifestyle and budget.

    “I find it so rewarding to help our members achieve their financial goals. It is such an honor to Improve Lives with DNCU”. Thelma’s member-first approach comes from her love of her family and her passion for her community.

    Call Thelma at 505-455-5118 or send an email to [email protected] to discover your options for real estate financing.

    Su Prestamista y Representante de Hipotecas Bilingue en Del Norte Credit Union.

    Apply and Work with Thelma


  • Ever Acosta

    Ever Acosta

    NMLS# 2041861

    Ever has been with DNCU for eight years & has over five years of experience in the mortgage industry. He is a graduate of Capital High School and holds a Bachelor’s degree from Highlands University.

    “I think we have a great Community and a great Credit Union. Working in Mortgage allows me to connect the two together. Our team works hard to make dreams come true for our Members and our Community”

    In his free time, Ever likes to spend quality time with his family & walk with his dogs Mona and Toby.

    Call Ever at 505-455-5433 or email him at [email protected] to find out your options for real estate financing.