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.
Experience
Have a total of 21 years being in the Credit Union Industry. Mortgage Loan Officer experience 12 years. My wealth of knowledge allows for me to provide sound consultations to cater to member’s needs. Honest approach and educating members are key components to be successful in the mortgage industry. Have an educational background with attending College of Lake County for Business Management.
Fun facts
Enjoy spending time with my family. Love to travel, try different types of cuisines all over the world. Passionate about making a difference in people’s lives. I have volunteered in the community through food banks, providing essential needs for the homeless, and sponsored children in other countries to assist with essential needs and education.
Why she loves helping members
I love helping members because I want to leave a lasting impression and positive impact to help them achieve their financial potential. Putting members needs are my main priority. Being able to be a part of member’s goals being achieved
is truly rewarding.
Interested in working with Jazel on a home purchase?
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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?

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?
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?

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?
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?
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.
Interested in working with Connie on a home purchase?

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.
Interested in working with Ted on a home purchase?