August 31, 2021

Collage of mortgage lending staff

When it’s time to purchase a home, many people seek out real estate agents who can help them to find the home of their dreams. However, it’s the mortgage professionals – the LUSO Federal Credit Union loan officers, processors, or underwriters – who make that dream come to fruition.

“At LUSO, we are committed to helping our members navigate through major life events with an eye toward overall financial health and wellness,” said Jennifer M.G. Calheno, President and CEO of LUSO Federal Credit Union. “Most people are unaware of the number of people and amount of work involved from the time an individual decides to purchase a home to the day the final contracts are signed. Our Lending staff work together with home buyers to help them make a successful transition to home ownership through our various mortgage products.”

Those unsung heroes of real estate are honored each September through “National Mortgage Professional Month,” which began in 2015. This September, LUSO Federal Credit Union is celebrating by recognizing our hardworking Lending staff:

Jennifer Cowles, Chief Lending Officer – NMLS # 1545135 – Cowles joined LUSO early in 2021 with over 25 years of experience across financial services and real estate industries. She has an extensive background in real estate lending/loan servicing, investor relations, secondary market and risk management, and previously served as Vice President of Mortgage Lending and Loan Servicing for a credit union based in Worcester County. Cowles holds a Bachelor of Business Administration in Finance from the University of Massachusetts, Isenberg School of Management. In addition to her professional accomplishments, Cowles serves on the board for CU REALM and is also on the board for the New England CUREN. She also served as an Executive Committee member for the CUNA Lending Council and Chaired the CUNA Lending Council Regulatory/Legislative committee. She can be reached at (413) 589-9966 x140.

Paulo Marques, Loan Originator – NMLS #748883 – With over 10 years of lending experience at LUSO, Marques aims to make the lending process as smooth as possible for our members. A native of Portugal and longtime Ludlow resident, Marques splits his time between LUSO Federal Credit Union and his restaurant, The Mills Tavern & Grille. He is fluent in both English and Portuguese. Marques can be reached at (413) 589-9966 x117.

Russ Kelly, Loan Originator – NMLS #2154878 – A native of Scotland, Kelly received a Bachelor of Marketing and Management degree from the University of Paisley (UK). He joined LUSO in early 2021 with 15 years of experience in the financial services industry. Prior to joining LUSO, Russ served as a mortgage and financial advisor and financial business development manager. He can be reached at (413) 589-9966 x141.

Jennifer Price, Wilbraham Branch Manager – NMLS #1170521 – A resident of East Hartford, Conn., Jennifer is the branch manager of our Crane Park branch in Wilbraham. She joined LUSO in early 2021 with 17 years of banking experience, having recently served as Vice President of Sales and Operations for a credit union in East Hartford. She holds a Bachelor of Science of Business Administration from Albertus Magnus College in New Haven, Conn. She can be reached at (413) 589-9966 x218. 

Vera Carvalho – Loan Underwriter – NMLS #2036157 – A native of Portugal and current Ludlow resident, Carvalho joined LUSO as a Member Service Representative/Teller in 2019 with nine years of customer service experience. Since then, she has transitioned to the credit union’s lending department where she underwrites mortgage loans. Carvalho is fluent in both English and Portuguese.

Saroeun Soeng, Loan Processor - NMLS #681806 – Soeng joined LUSO in early 2021 with 18 years of banking and management experience on the lending side. She is passionate about educating members about financial health and wellness and regularly works with them to improve their financial situation.

Sheri S. Fragoso, Loan Processor – NMLS #2154887 – Fragoso joined LUSO’s lending team in 2021. She has over 21 years of commercial lending experience, having worked for a few different financial institutions over those years.

Cecilia Serra, Loan Operations – NMLS #1590236 – A resident of Ludlow, Serra has nearly seven years’ experience in financial services, having served in both LUSO’s member service and lending departments. She works behind the scenes to make the mortgage process as smooth as possible for our members. She is bilingual in English and Portuguese.

Patricia Boyer, Loan Operations – NMLS # 1590491 – With over a dozen years of credit union experience, Boyer has a wealth of knowledge and know-how to help members expertly navigate the mortgage process. Boyer is based in LUSO’s Ludlow branch.

Contact our Lending staff to learn about the process to purchase or refinance your primary or vacation home or obtain a second mortgage or home equity line of credit. They can assist with pre-qualification and are trained to educate you about different mortgage options available. Experience the benefits of buying a home with LUSO.

LUSO Federal Credit Union is a member-owned, not-for-profit financial cooperative that is dedicated to providing members quality financial services and products, including credit builder loans. We are a staple institution of Hampden County and take strides to help Members develop well-rounded financial health. Contact our Ludlow or Wilbraham branch at 1-844-LUSO-FCU. Federally Insured by NCUA. Equal Housing Lender. NMLS #255907.

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