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Sandy Valles - Administrator
Sandy has been in the mortgage industry since 1996. She has analyzed mortgage applications including
credit reports, employment and banking histories, purchase contracts, appraisals, and title reports to determine the borrowers
willingness and ability to repay mortgage loans. Types of mortgages she has worked with consist of purchase, refinance, second
mortgages, non conforming and confirming for FHA, VA, Conventional, Freddie Mac and Fannie Mae.
In addittion certified
to do Homebuyer Counseling and Reverse Mortgage Counseling
Cristina Monsivais - Loan Officer
Cristina came to SWNHS in September 2004. Her duties are to analyze mortgage applications, credit reports, employment and banking histories for mortgage
loans, determine the borrower’s ability and willingness to repay a mortgage loan, performs marketing and outreach in
the community by providing Homebuyer’s Education Classes in Spanish, which she became certified to teach in April 2005. Cristina also earned a Bachelor’s Degree in Fine Arts with a minor
in Business Administration from the University of New Mexico.
Alma Rosa Yañez-Otero--Housing Specialist
Alma started
working at SWNHS in September 2005. She specializes in assisting people to achieve their dream of becoming homeowners
by determining their eligibility, affordability, credit repair and financial literacy.
Alma provides Homebuyer’s Education Classes in English and Spanish. She
is a certified translator and paralegal who wants to return to school and obtain her bachelor’s degree in Criminal
Justice to become a Probation and Parole Officer.
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