Our expert loan officers focus on your needs. Meet the people who are committed to serving you in California and nationwide. 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) Sayra Paniagua P: 626.799.6000 x1635 email me As a loan expert, Sayra always strives to assist her members beyond their expectations by giving them personal attention and providing guidance every step along the way. She takes pride in helping members achieve their financial goals, whether that be financing a new vehicle or purchasing a home for the first time. Sayra’s broad experience affords her the ability to understand each person’s financial situation and provide the right advice. Sayra has a passion for traveling and has been around the world. When she’s at home, she enjoys watching movies with her family and two small dogs. To schedule a free consultation with one of the E-Central Credit Union loan officers, please give us a call. (NMLS#451826) 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.