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Meet Your Mortgage Champions

Our Mortgage Champions are ready to help you buy or refinance your home with ease.

This group has an extensive amount of experience working in the financial industry, specifically as it relates to mortgages. They are passionate about helping members feel like winners when it comes applying for a mortgage loan. Here's a little information to help you get to know our team. Plus, feel free to call our Mortgage Champion 24/7 Hotline at 904.371.8150, day or night!


Janet Smith | Vice President of Mortgage OperationsJanet Smith | Vice President of Mortgage Operations

janetj@c1cufl.org | 904.371.8006 | NLMS #476521

Janet Smith has been with Community First Credit Union since 2000. She has an extensive background in consumer credit and mortgage lending. When asked about her role, Janet said, "I have the privilege of helping our members achieve their dream of homeownership.

The home buying process is very complex and causes a lot of anxiety. Within my role I can minimize the anxiety, challenges and remove obstacles that arise throughout the process resulting in a great experience." She was born and raised in Jacksonville. In her spare time, she enjoys event/party planning, shopping, traveling, and spending time with family and friends. When asked who her favorite superhero is, Janet said, "My favorite super-she-ro is Wonder Woman. I would love the power to fight for those who cannot fight for themselves, prevent those with little power from being taking advantage of, and even the playing field

Eric Krall | Director of Mortgage OperationsEric Krall | Director of Mortgage Operations

kralle@c1cufl.org | 904.394.9045 | NLMS #437861

Eric Krall has been with Community First Credit Union since 2013. He has experience in many facets of a borrower's financial life cycle. He's been a realtor, a mortgage originator, a licensed investment banker, and a retail banker.

When asked about his role, Eric said, "I am a teacher at heart and have helped thousands of people by educating them on the different aspects of their financial lives. I want to help members reach their financial goals and facilitate the best mortgage experience they can possibly have." When asked if he could have one super power, what it would be, and why, Eric said, "I would love to have the powers of Aquaman.  I’ve been a scuba diver since 1998 and love the serenity and peacefulness that is found under the water’s surface."

Justin DeValerio | Mortgage Loan OriginatorJustin DeValerio | Home Mortgage Advisor

devalerj@c1cufl.org | 904.549.8636 | NMLS #1371580

Justin DeValerio has been with Community First Credit Union since 2011. He has a bachelor's degree in business management from the University of North Florida and has always worked in a service or sales role.

When thinks about his role, Justin said, "I enjoy helping people find the perfect mortgage solution." Justin is a lifetime Florida resident. In his spare time, Justin enjoys spending time with his family, working on projects around the house, and making music. When asked if he could have one super power, what it would be, and why, Justin said, "If I could have one super power it would be time travel. Then I could experience history, enjoy the present, and know the future."

Steve Swenson | Mortgage Loan OriginatorSteve Swenson | Home Mortgage Advisor

swensos@c1cufl.org | 904.371.8088 | NMLS #12166

Steve Swenson has been with Community First Credit Union since 2013, but has been a Mortgage Loan Originator since 2002. Steve has an extensive background, both in his education and work experience. Steve was born in Jacksonville but grew up in Chicago.

He has a bachelor's degree in economics and criminal justice, and a master's degree in biblical studies. Three fun facts about Steve: He used to be a D.J. He once owned his own pizzeria in Illinois. He has also delivered pizzas at Christmas time in a Santa suit. When asked about his role, Steve said, "I try to help members meet their financial and personal goals by getting them the best rate with the least amount of costs." When asked who his favorite superhero is and why, he said, "I would have to say Superman. The only thing that could destroy him was Kryptonite. That was his one weakness and we all have strengths and weaknesses."

Joy Newsom | Mortgage Loan OriginatorJoy Newsom | Home Mortgage Advisor

newsomj@c1cufl.org | 904.371.8031 | NMLS #1507068

Joy has been with Community First Credit Union since 2015. Joy has a diverse background, with more than 12 years of experience in the mortgage industry.

She specializes in equity and refinance products. When asked about her role at Community First, she said, "I am committed to providing exceptional and memorable customer satisfaction to our members by recommending the best loan options while being a viable resource throughout the loan process." In her spare time, she likes to travel and spend time with family, friends, and her dog Bella. When asked who her favorite superhero is and why, she said, "Papa Smurf! He taught valuable life lessons while keeping the peace as the patriarch to 100 tiny, dysfunctional creatures!"

Ronald Goza | Mortgage Loan OriginatorRonald Goza | Home Mortgage Advisor

gozar@c1cufl.org | 904.371.8010 | NLMS #1715742

Ronald has been with Community First Credit Union since 2016. He has a bachelor's degree in business administration and is currently enrolled at the University of Phoenix in pursuit of his MBA.

He says he joined Community First as a way to help the members in our community. When asked about his role, he said, "It's all about educating and counseling members to help them in their financial endeavors. I want to help members achieve their financial dreams." Ronald was born in Flint, Michigan but was raised in Jacksonville. If he were to win a Community First superlative, it would be "Best Dressed in the entire Mortgage Department." (It's true, just look at him!) In his spare time, Ronald likes to eat, work out, and play sports. When asked who his favorite superhero is and why, he said, "My favorite super hero is Flash because of his speed and endurance."

Donna Luning | Mortgage Loan OriginatorDonna Luning | Home Mortgage Advisor

luningd@c1cufl.org | 904.371.7910 | NLMS #1026959

Donna has been with Community First Credit Union since 2021.

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