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Meet the Team

The Consumers Mortgages Team is ready to ensure you have a great experience whether you are buying a new home, refinancing, or looking to use your available home equity.

Choose a Mortgage Loan Officer to assist you

Not sure who you want to work with yet?  Call us at  847-672-1280 to speak with a team member or visit our Mortgage Center to learn about mortgage options.




Amalia (resized)

Amalia "Amy"
Gonzalez

Mortgage Loan Officer
NMLS ID: #1162407
Phone: 847-837-7907
email: [email protected] 

Experience

Amy has been with CCU for over 20 years now and has 10 years of loan experience. She enjoys helping members achieve their financial goals.  

Fun facts

Amy likes to travel with her husband and 2 daughters. 

Why she loves helping members

Amy believes that purchasing a home is the best investment that any individual can make. Owning a home is one of the best feelings ever and she wants to be part of the process of achieving it. 

Available to meet with you at the following branches:

Volo, Gurnee

Interested in working with Amy on a home purchase?

Pre-Qualify in Minutes


Juan Gonzalez

Mortgage Loan Officer
NMLS ID: #760024
Habla Espanol
Phone: 847-782-4628
email: [email protected]

Experience

Juan has been providing mortgages to clients for over 18 years.  FHA loans are one of his specialties. 

Fun facts

Juan loves to run on his time off.  He officially became a marathoner by completing the Chicago Marathon in 2016 with the help of his significant other.

Why he loves helping members

Juan really enjoys helping CCU members through the process of achieving their dream of purchasing a new home, whether it's their first home or their forever home.  It is a personal satisfaction for him to be able to guide them through the journey and help them save money on a purchase or refinance.

Available to meet with you at the following branches:

Waukegan, North Waukegan

Interested in working with Juan on a home purchase?

Pre-Qualify in Minutes


Kelly Norton

Mortgage Loan Officer
NMLS ID: #665430
Phone: 847-538-4078
email: [email protected]

Experience

Kelly has 23 years of credit union experience and 13 years as a Mortgage Loan Officer.  Her knowledge allows her to provide loan options to meet the individual needs of our members.  Education is key in providing our members with the utmost member experience.  She takes personal interest in making the member's experience a positive one.

Kelly has a B.A. in Economics with a minor in Business Administration.

Fun facts

Kelly enjoys spending time with family and has always been empathetic to the needs of others devoting as much time as she can to volunteerism.  She has worked as a Team Captain and Co-Chairperson for the American Cancer Society's Relay for Life. 

Why she loves helping members

Kelly is passionate about helping members.  It's rewarding providing guidance to first time home buyers taking them through the home buying process in addition to those members looking to refinance their mortgage.  She enjoys getting to know her members and developing a trusting relationship.  It's gratifying to know that she played an important role.

Available to meet with you at the following branches:

Carol Stream, Palatine

Interested in working with Kelly on a home purchase?

Pre-Qualify in Minutes


Cherry Ann Palacio

Mortgage Loan Officer
NMLS ID: #1016795
Phone: 847-672-1234
Cell: 815-353-3486
email: [email protected]

Experience

Cherry Ann's passion of helping people as a lifelong career started when she first came to Consumers Credit Union. She understood what people needed within the community, someone who they can count on with their daily financial needs. Cherry Ann left Illinois to be closer with family for a few years but came back to the Credit Union to continue to fulfill her career as a Mortgage Loan Officer.

Currently, she has six years experience as a Mortgage Loan Officer, over 13 years of financial institution background, and 20 years of professional customer & client service experiences. She is focused on details and committed to helping find ways for clients to reach or achieve their home financial health goals. She enjoys providing an education to all clients and building a long lasting relationship.

Fun facts

She enjoys quality time with her family, two dogs, turtle and love ones. Cherry Ann and her family love to explore different outdoor activities, try new local places to eat, and supports local community businesses or events.

Why she loves helping members

Cherry Ann loves to be the person who listens, stops, and helps another person reach it to the finish line. She feels that one person's achievement is another person's lifelong dream.

Available to meet with you at the following branches:

Round Lake Beach, Kildeer

Interested in working with Cherry Ann on a home purchase?

Pre-Qualify in Minutes


Estevan Salinas

Mortgage Loan Officer
NMLS ID: #1546461
Phone: 847-672-1811
Cell: 815-687-2860
email: [email protected]

Experience

Estevan has been working within the CCU Mortgage Department for over six years.  

Fun facts

On his time off, he likes to grill and spend time with family and his three kids. Estevan also has three dogs that he likes to spend time training to do tricks.

Why he loves helping members

One of the most rewarding parts of his job is walking members through the home buying process. At times the process can seem intimidating, so Estevan tries to take members step-by-step through the process. 

Available to meet with you at the following branches:

Round Lake Beach, Des Plaines

Interested in working with Estevan on a home purchase?

Pre-Qualify in Minutes


Lisa (resized)

Lisa Swenson

Mortgage Loan Officer
NMLS ID: #665433
Phone: 847-538-3303
email: [email protected]

Experience

Lisa has been in the mortgage industry for over 25 years.  She has experience in most aspects of the mortgage process, including sales, processing, closing, as well as training and development.   

Fun facts

In her spare time, when she’s not assisting members, she loves reading, live music, DIY projects and spending time with family and friends, especially her four grandchildren. 

Why she loves helping members

Lisa takes great pride in helping members achieve their mortgage goals and her focus is always on the member’s experience. She enjoys getting to know people from different walks of life and whether it’s a purchase or a refinance, she strives to make a dream home a reality, maximize savings or consolidate debt.

Available to meet with you at the following branches:

Mundelein

Interested in working with Lisa on a home purchase?

Pre-Qualify in Minutes


Connie McDougal

Mortgage Loan Officer
NMLS ID: #967538
Phone: 847-672-1850
email: [email protected]

Experience

Connie has over a decade of experience. She has been assisting members create financial success with Consumers Credit Union since 2013. Connie brings a vast knowledge base specializing in assisting borrowers with challenged credit and overcoming financial obstacles. Connie attended Southern Illinois University Carbondale. 

Fun facts

She enjoys reading, photography, traveling, checking out local events and restaurants, and spending quality time with her husband and kids.

Why she loves helping members

She loves taking the time to build the relationship by understanding the borrower’s needs, concerns, and goals so that she can develop a plan then and walk them through the process step by step since the mortgage process can be very intimating whether you’re an experienced borrower or purchasing your first home.


Ted N.

Theodore (Ted)
Niedbalec

Mortgage Loan Officer
NMLS ID: #211732
Phone: 847-672-1321
email: [email protected]

Experience

CCU’s Senior Mortgage Loan Officer with over 30 years of mortgage lending experience. Passed both the federal & state mortgage licensing exams which are not required by the credit union or banks and continues to take continuing education courses. Ted has held VP and Assistant VP positions during his career and headed up the mortgage department at Meadows CU before Meadows merged with Consumers Credit Union. Home buying seminars and staff training were part of his duties at Meadows CU. Now a part of the CCU Mortgage Team, Ted prides himself in listening to our member’s need, presents CCU’s programs and options, and then explains each in a very simple and understandable way. Ted’s goal is to offer his best on each mortgage inquiry and to make sure you own the house and the house doesn’t own you.

Fun facts

Very involved with his family and church. Likes to competitively compete in bags/cornhole tournaments and brings that competitiveness over when he represents you as his client.

Why he loves helping members

It’s an honor to help all kind of people achieve the dream of owning their own home, condo, townhouse or duplex whether it be their first home or fifth home. Ted also enjoys showing his clients how to increase their credit scores and free up some extra monthly cash allowing his clients to enjoy more of life.