
Apply For Mortgage Today
We can bring you home with confidence.
Your home is one of the biggest purchases you’ll make. Together, we’ll help you find the right mortgage for your dream home.
Our dncuMortgage Process
-
The home loan process can be confusing. Your Del Norte Mortgage Team is here to help you through every step and answer all of your questions. The steps below lay out the major phases your home loan will go through.
- Step 1 – Make an appointment with one of our expert Mortgage Loan Officers, or complete a mortgage application online here.
- Step 2 – Meet with your Mortgage Loan Officer. During this meeting, your Loan Officer will explain your loan options and the qualifying process. We will discuss available loan programs and interest rates along with monthly payments.
- Step 3 – Gathering Documentation – The loan approval requires us to collect information regarding your income, debt, and any special circumstances. Your Loan Officer will give you a list of all the items needed.
- Step 4 – Loan Processing – Our loan processor prepares your loan file and gets the loan ready for the underwriter’s review.
-
- Step 5 – Underwriting – The underwriter reviews your entire file in detail. Their job is to make sure you are approved and ready for closing. In some cases, the underwriter may ask for additional information and documents.
- Step 6 – Closing – Once the underwriter has fully approved your loan, it is ready for closing. A Closing Disclosure will be issued to you at least three days before the closing date. This document will explain all the details of your loan, including the closing costs and how much money is needed from you at the closing. Note that these funds will need to be wired directly to the Title Company, so we recommend you confirm your financial institution’s process a week or two before the closing date.
- The mortgage closer will prepare your closing documents and schedule your closing with the Title Company. The closing normally takes place at the Title Company’s issued ID.
- Step 7 – Enjoy Your Home!
Meet your dncuMortgage Team
-
Mandi George
Mortgage OfficerNMLS# 1490629About meMandi has lived in White Rock for nearly 32 years. She loves the area and all it has to offer. She has been married to her husband almost 36 years and has two grown children and two grandsons who also live in White Rock. Her passions include her family, her dogs, camping, fishing and traveling. She has worked in the mortgage industry for over 30 years and has been a Mortgage Loan Originator since 2016. Customer service is her top priority and she believes in treating others the way she would want to be treated.
-
Ever Acosta
Mortgage Loan OfficerNMLS# 2041861About meEver 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.
-
Ralph Flores
VP Mortgage OriginationNMLS# 331989About meRalph 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.
-
Thelma Rodriguez
Mortgage OfficerNMLS# 1437039About meThelma 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. 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.
-
Gilbert Varela
Mortgage OfficerNMLS# 484512About meGilbert 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.
Find out How Much You Can Afford
The following online calculators serve as helpful tools during the mortgage process.
-
PAYMENT / AMORTIZATION CALCULATOR
Learn MoreCalculate your monthly payment and see how the principal is paid over time.
-
RENT VS OWN CALCULATOR
Learn MoreCalculate the difference between renting and buying a home.
-
APR CALCULATOR
Learn MoreCalculate the APR for fixed-rate or adjustable-rate loans.
-
DEBT CONSOLIDATION CALCULATOR
Learn MoreDetermine if you can consolidate your debt by combining it with your home mortgage.
Frequently Asked Questions (FAQs)
Contact DMI for all questions concerning your mortgage payments and escrow at 1-855-473-5252. Member Service Department 1 Corporate Drive, Suite 360 Lake Zurich, IL 60047-8945
Access your online banking Bill Pay. Add a new bill payee by searching for Dovenmuehle Mortgage Inc.
If we set up your loan with an escrow account for taxes and insurance, DMI will make these payments for you. If you waived escrows, you will make these payments yourself.

Get started today
DNCU offers free consultations with local and experienced mortgage officers.
Join Us
(877) 818-3628 toll-free.