Our expert loan officers focus on your needs. Meet the people who are committed to serving you in California and nationwide. Erwin Calixto P: 626.799.6000 x1688 email me Erwin's member-first approach to mortgages helps him identify your borrowing needs and match you with a loan program that fits your budget and lifestyle. His experience ranges from loan origination to processing and funding, and he's ready to answer any questions you have about our Conventional, FHA, VA and home equity loan options. As your personal mortgage expert, Erwin explains all of your options and provides support throughout the process so that you can purchase or refinance a home with confidence and peace of mind. Outside of work, Erwin enjoys the area's diverse restaurant scene, watching good movies and working toward his personal fitness goals at the gym. Contact Erwin in our Pasadena office to schedule a free consultation. (NMLS#1003367) Charles Bautista P: 626.799.6000 x1685 email me Charles is a seasoned loan professional who is passionate about serving people. His first step is listening to you and learning about your situation. He can guide you through any financial decisions related to home purchases and refinances, matching you with the right option, whether that be a Conventional, FHA, Jumbo, or Home Equity loan program. At every turn, Charles thoroughly explains your options so you understand how your loan is structured and what it means to your finances. When Charles isn’t helping people with their home loan needs, he’s rooting for the LA Dodgers. Charles is a vital part of our mortgage team in Pasadena, and you can contact him to schedule a free consultation. (NMLS# 1691805) Betina Marcelo P: 626.799.6000 x1683 email me Betina is passionate about our members, and serves as an advocate and coach to the E-Central loan officers. Her wealth of industry experience and attention to personal service helps her ensure that her team is providing the right advice tailored to your personal goals and financial needs. As the Credit Portfolio Manager, she oversees the credit union’s team of mortgage experts and makes sure that each member understands all of their options. Tina is avid learner who holds an MBA and various advanced certificates, and is also a self-proclaimed foodie and movie lover. To schedule a free consultation with one of the E-Central Credit Union loan officers, please give us a call. (NMLS#291983) What Home Can You Afford? To figure out your budget, you’ll need to consider the various factors outlined by this calculator. What will your home cost? Factor in your loan amount, interest rate and term to discover the true cost of homeownership. Better to Rentor Buy? Quickly determine whether buying or renting your home is the best financial decision.