Meet Your Mortgage Champions

Our Mortgage Champions are ready to answer your questions, day or night! Here are just a few members of our mortgage team. This group has an extensive amount of experience working in the financial industry, specifically as it relates to mortgages. We could encourage you to check out their LinkedIn profiles and read all about their résumés, but we thought we would share some of the fun stuff.

We've included some information about their education and work experience, of course, but we also wanted to give you an opportunity to hear from our Mortgage Champions in their own words, including how they feel about their role, where they are from, if they have any fun claims to fame, and what they like to do in their spare time. Last but not least, each of our Mortgage Champions shares who their favorite superheroes are and why. Enjoy reading about our Mortgage Champions, and feel free to contact them anytime!


Janet Smith, Assistant Vice President of Mortgage Operations

AVP of Mortgage Operations

janetj@c1cufl.org | 904.371.8006 | NLMS #476521

Janet 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, Mortgage Sales Manager

Mortgage Sales Manager

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 Originator

Mortgage Loan Originator

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 OriginatorMortgage Loan Originator

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-Watson, Mortgage Loan OriginatorMortgage Loan Originator

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!"

Nader Snobar,  Mortgage Loan OriginatorMortgage Loan Originator

snobern@c1cufl.org | 904.549.8752 | NLMS #1032300

Nader recently joined Community First Credit Union in 2019. He has more than 22 years of experience in sales and was also a Mortgage Originator for a large bank for six years before working at our credit union.

He specializes in home equity loans. When asked about his role, he said, "I see myself as someone who will give our members an outstanding customer experience. Whether it is providing a home mortgage, home equity loan, or just answering questions, I want to ensure that our members indeed Love Where They Bank! Some fun facts about Nader: He was born in Washington, D.C., he teaches Brazilian Jiu-Jitsu in the evenings, and has a black belt in four different styles/systems. He also loves working with computers and loves playing the guitar. When asked who his favorite superhero is and why, he simply said, "Superman. The reason? Well, because he’s Super!"

Ronald Goza, Mortgage Loan OriginatorMortgage Loan Originator

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."

Sean Hiorns, Mortgage Loan OriginatorMortgage Loan Originator

hiorns@c1cufl.org | 904.371.8166 | NLMS #395595

Sean recently joined Community First Credit Union in 2018. He has more than eight years of mortgage experience.

If he were to win a Community First superlative, it would be, "Greatest phone voice in the Mortgage Department." When asked about his role, he said, "I am helping members get into the best mortgage product that fits them. I feel like selling mortgages is different than selling other items because I can help shape someone’s financial picture. I can help families save money by structuring their finances where they can possibly pay debts or homes off faster, or maybe save money every month. So it’s not necessarily sales to me, it’s helping. If I can’t help someone, there is no sale." Sean is from Jacksonville, likes to play sports, and loves camping. When asked if he could have one super power, what it would it be, and why, Sean felt torn between the ability to fly and superhuman strength, so he said, "Let’s go with Superman, who can do both!"