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Meet Our Loan Officers

Ramiro Garcia

NMLS #691972

Ramiro G. Garcia

I have 17 plus years working in many aspects of the mortgage industry, so whether you are a first time or seasoned home buyer, I am committed to partnering with you to make the mortgage loan process a seamless process.  

If you're in the market to find your first or next home I can connect you with a reliable, well informed realtor that will be as passionate as finding that perfect home as you are. 

We will discuss your loan needs and with my insight you will be confident in choosing the right mortgage product. I am just a phone call away. 

Hablo Espanol  


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Dylan Glines

NMLS #1505967

Dylan Glines

Here at KeyPoint, we’re all about providing personalized service and finding what works best for you. I am committed to going the extra mile to help identify the best mortgage product suited to fit your goals and needs.

I’m here to provide you with all the insight and assistance you need to make the home buying or refinancing process as quick and seamless as possible. My goal is to help you make informed decisions and get you into the home of your dreams.

Thank you for considering KeyPoint for your lending needs. I look forward to working with you!


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Irma Heredia

NMLS #398618

Irma Heredia

Irma Heredia is a senior Mortgage Loan Officer with Keypoint Credit Union.  Irma brings 30 years of mortgage industry experience with a proven track record, as she has made the full circle in mortgage lending as a processor, originator and a manager.  She works with all types of clients from the first time homebuyer to the seasoned property investor and is passionate about helping all client achieve their dream of home ownership.  Irma will take the time to listen to her client needs and understand their challenges, as this will allow her to recommend and tailor loan programs to meet their needs. 

Over the years, Irma has successfully built a strong network of referral sources and friends.  She is eternally grateful and thankful for the referrals and support they continue to provide year after year. 

During her free time, she likes to go hiking, she loves to be outdoors, and spends quality time with her family, including the apple of her eye, her furry little girl with four legs and floppy ears.


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Valerie Le

NMLS #244715

Valerie (Val) Le

I’ve been helping people realize their dreams for over 28 years. I bring a wealth of expertise, knowledge and dedication in tailoring loan packages that meet my clients’ need, and every client is unique. I take special care in understanding challenges and obstacles and pave the way to break down those barriers as quickly as possible. I recently joined a very talented and capable team at KeyPoint Credit Union where we offer customized purchase of a new home or a refinance to the time we successfully close your loan. I have a strong network of referrals and those referrals speak for themselves.  Without my loyal clients, I wouldn’t be the epitome of success that I am today as a Sr Mortgage Loan Officer, and for that, I am unequivocally humble and grateful to all my clients over the years.

I look forward to working with you to making your next purchase or refinance with expediency with ease.  
 
 I speak Vietnamese.  


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Son Nguyen

NMLS #811624

Son Nguyen

KeyPoint has a wide variety of home loans for members. We pride ourselves on offering excellent rates and exceptional service, and I pledge that we will support you from the beginning through the completion of the loan.

As your mortgage loan officer with more than seven years’ experience in real estate lending, I will simplify the process and guide you every step of the way, from application through closing.

I am dedicated to providing you with professional service, and I welcome you to call or email me any time. You’ll feel right at home with me.


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Raul Nieves

NMLS #1505979

Raul Nieves

Having been with Keypoint Credit Union for over 7 years, I joined the Real Estate team in 2016 because I saw it is a greater opportunity to further serve our members. My goal is to help you make sound financial decisions with your greatest asset, your home.

As your Loan Officer I want to make a difference in the way you buy a home. From a first time buyer to a seasoned investor, our professional Real Estate team and I will guide you through the entire lending process from beginning to end diligently and efficiently.

I guarantee you'll experience a new level of service with Keypoint Credit Union.

I look forward to speaking to you. Thanks!

Hablo Espanol


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Kevin Loan Officer_0216

NMLS #1415238

Kevin Son

Financing your home is one of the most important financial choices you will face. As a Loan Officer, I am here to help you make an informed decision that works for you.  

Whether you are a first-time buyer or a long-time homeowner, I want to create the right mortgage solution for your unique needs. That means taking your current situation and your future plans into account. I will also be a reliable guide throughout the loan process, working to make each step simple and efficient. 

I have been with KeyPoint since 2011, joining the real estate lending team in 2015. I am dedicated to helping our members succeed. 

Thank you for your interest in KeyPoint’s services. I hope to assist you soon!

Mortgage Rates  Contact Me  View My Video