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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.


Michelle Gogoel

Michelle Gogoel

Mortgage Loan Officer
NMLS ID: #1627277
Phone: 847-672-3442
email: [email protected]

Experience

Her background in finance is vast. Michelle has both student loan and mortgage loan experience and has been with CCU for over two years. She also has an associate’s degree in business and a bachelor’s degree in Criminal Justice.

Fun facts

She has three little boys that definitely keep her busy. When they can get away, a warm, tropical beach is at the top of their list.

Why she loves helping Members

Michelle loves what she does because she gets to help Members make a life goal come true, while providing knowledge and assistance for a smooth process.

Available to meet with you at the following Service Centers:

Gurnee, Mundelein, North Waukegan


juan-gonzalez

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 Service Centers:

Waukegan, Kildeer, and Palatine


ted_niedbalec

Ted Niedbalec

Mortgage Loan Officer
NMLS ID: #211732
Phone: 847-672-1321
Cell: 815-333-6206
email: [email protected]

Experience

Ted has been providing mortgages to clients for 34 years.  He really listens to the needs of Members and explains in detail their options so they understand how the mortgage they have chosen works and what they can expect during the processing of the loan. 

Fun facts

Ted is the reigning bags player here at Consumers Credit Union.

Why he loves helping Members

Purchasing a home is a very special time in a person's life and Ted loves helping them achieve this goal.

Available to meet with you at the following Service Centers:

Waukegan, Kildeer, and Palatine


cherry-ann-palacio

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 Service Centers:

Gurnee, Mundelein, North Waukegan


Jennie Raymer

Jennie Raymer 

Mortgage Loan Officer
NMLS ID: #1162412
Phone: 847-782-4673
Fax: 847-782-7470
email: [email protected]

Experience

Jennie has been working for CCU for over 8 years and has over 10 years of loan experience. She enjoys providing new ways for Members to become financially successful. She has extensive knowledge on how to build and improve credit and enjoys selling products and services that provide financial relief.

Jennie attended DePaul University, majoring in Business Administration and minoring in Spanish.

Fun facts

Jennie is a huge Chicago sports fan. She played Varsity Basketball in high school and went to state, placing 5th. She has 3 children and has 6 siblings. She enjoys hosting family parties. 

Why she loves helping Members

Jennie is truly committed to providing exceptional service to each Member. She is proud of the products and services that Consumers Credit Union offers and takes the time with each Member to build a solid financial foundation and find the best way to achieve financial success.

Available to meet with you at the following Service Centers:

Waukegan, Palatine and Kildeer


jazel-rowell

Jazel Rowell

Mortgage Loan Officer
NMLS ID: #760025
Phone: 847-837-7935
email: [email protected]

Experience

Jazel has been helping credit union Members for over 15 years.  She attended the College of Lake County for Business Management.  She has vast experience with FHA loans.

Fun facts

Jazel loves spending time with her husband and her young daughter.

Why she loves helping Members

She loves being able to build relationships with our Members and be part of their plans to purchase a new home and see them create lasting memories.


esteven-salinas

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 Service Centers:

Northbrook, Round Lake Beach, Schaumburg, Volo


greg-tonsul

Greg Tonsul

Mortgage Sales Manager
NMLS ID: #162419
Phone: 847-782-4652
email: [email protected]

Experience

Greg has 13 years of experience helping Members with their borrowing needs.  He has an Associates Degree from the College of Lake County and currently heads up the Mortgage Team here at CCU.    

Fun facts

Greg loves spending time with his family and friends.  His other hobbies include working out, playing sports, listening to music, watching movies and living life with a "never give up" attitude.

Why he loves helping Members

Why Greg loves helping Members is summed up in this quote from the American politician John Holmes, "There is no exercise better for the heart than reaching down and lifting people up".