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Lori graduated from the University of the Incarnate Word with a Bachelor of Arts in Business Administration. She began her banking career in 1998 and transitioned to the mortgage division in 2003. In 2010, Lori advanced into her role as a Mortgage Loan Officer, where she has since built a distinguished career rooted in expertise, integrity, and exceptional client service.
With over two decades of experience, Lori is known for guiding clients through the home financing process with a thoughtful, personalized approach. She delivers a seamless, elevated experience—ensuring each client feels informed, confident, and well cared for from application to closing.
Her dedication to excellence and consistent performance have earned her recognition among the San Antonio Business Journal’s Top 25 Residential Mortgage Lenders.
Lori has two children and three grandchildren. When she is not working, she enjoys traveling with her family.
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Alma began her career in the mortgage industry in 1983. After working in various areas of mortgage loan servicing and origination, she joined Jefferson Bank Mortgage at its inception in 1992 as a loan originator. During her 37 years in the business, she has gained experience navigating the ups and downs in the mortgage market.
Alma is married with 2 children. When she has free time, she enjoys being with her family, exploring the outdoors, and traveling to the Caribbean Islands and Las Vegas.
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Keri graduated from Southern Methodist University with a Bachelor’s Degree in Finance. She began her career as a mortgage loan officer in 1999. Since then she has worked hard to establish herself as one of San Antonio’s top mortgage loan producers. Keri has consistently earned a spot on the San Antonio Business Journal’s annual list of Top 25 Residential Mortgage Lenders.
In addition to work, Keri is actively involved in the community. She has served as a board member or volunteer for the following organizations: Texas Biomedical Forum, Impact San Antonio, GreaterSATX, SA2020, United Way, the San Antonio and New Braunfels Food Banks and the Unicorn Center.
Keri and her husband have three boys and two yellow Labrador retrievers. They love spending their free time at their place in Marfa.
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Discover personalized mortgage solutions with Gil Munguia, a dedicated residential mortgage lender at Jefferson Bank. Specializing in serving the San Antonio community, Gil provides expert guidance to first-time buyers, those looking to upgrade, and homeowners considering a refinance. His client-first philosophy and extensive market knowledge are focused on making the home financing journey seamless and stress-free. From your initial application to the closing table, Gil is committed to clear communication and finding the perfect loan strategy to align with your unique financial goals.
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Todd graduated from St. Mary’s University with a Bachelor of Arts in Psychology and The University of Texas San Antonio with a Master’s degree in Business Administration. He began his career in the financial industry in 1998. After holding various banking positions, he became a registered mortgage loan officer in 2004 and joined Jefferson Bank as a mortgage originator in 2011. Since then, he has consistently earned a spot on the San Antonio Business Journal’s annual list of Top 25 Residential Mortgage Lenders. Todd is actively involved as an affiliate member of the Platinum Top 50.
When he is not working, Todd enjoys outdoor life such as riding trails on his mountain bike, shooting sporting clays, hunting and fishing. He also loves traveling with his wife and two children to destinations on the family’s travel bucket list.
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John graduated from Southwest Texas State University with a Bachelor of Business Administration in Economics. He began his career in the real estate industry in 2002 as a certified residential appraiser. In 2021, John transitioned from his career as an appraiser into the financial industry as a licensed mortgage loan officer and joined Jefferson Bank’s mortgage team in 2022.
John and his wife have five children and one grandson. The family also operates a small vineyard in the Texas Hill Country.
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Born and raised in the Rio Grande Valley, Bea moved to San Antonio in 1993 when she began her banking career at First National Bank of South Texas, where she held several positions until moving to Jefferson Bank in 1999.
Before transitioning to the mortgage department at Jefferson, Bea worked as a Commercial Lending Assistant – processing, closing, booking, and funding loans. Her extensive knowledge of commercial lending and fluency in Spanish have helped her build long-lasting community and customer relationships, which led to her role as a Residential Mortgage Lender in 2022.
Bea loves giving back to the community by volunteering with different organizations and non-profits. She is also an active member of Financial Women in Texas.
Outside of the office, Bea loves spending time with her family and friends. She also enjoys traveling, attending concerts and sporting events.
Se habla español.
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Matt has more than 30 years of lending experience. He specializes in government lending, specifically FHA and VA loans. With his extensive knowledge of down payment assistance programs, he has helped many families achieve their dream of owning a home with as little as $500 down. Matt works closely with his clients to help them determine if they qualify for various programs that can provide up to $55,000 in assistance for down payment and closing costs.
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Beca graduated with a Bachelor of Business Administration in Finance from Angelo State University and began her banking career in 1991. She held various positions within the banking industry until she found her passion for mortgage lending, which she has focused on for the past 25 years. As a sixth generation resident of Kendall County, Beca is very involved in the community. She chairs the Kendall County Wild Game Dinner and serves on the board of the Kendall County Jr. Livestock Association.
Born and raised in the Texas Hill Country, Beca loves to hunt and fish. She also enjoys tending to her garden and cooking with her homegrown produce. She is married with one son.
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Sandra graduated from Tyler Junior College and attended the University of Texas in Tyler. She has 40 years of experience in the financial industry. Of those, more than 30 were spent meeting consumer and commercial real estate needs as a lender in Tyler, Texas. In 2010, she focused her efforts on residential mortgage lending. Since moving to New Braunfels in 2018, to be near her children and grandchildren, she has worked hard to establish herself as one of the area’s top mortgage lenders.
Sandra is actively involved in the local real estate community. She has served on committees for the Four Rivers Association of Realtors and
the Hill Country Women’s Council of Realtors. She volunteers to speak at industry events and assist with non-profit fundraisers.
Sandra loves spending her free time with her grandchildren, swimming, going to the beach and cooking out with her family.
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Born and raised in Texas, Michael graduated with his Bachelor’s Degree in Real Estate and Finance as well as an MBA from The University of Texas at Austin. Since then, he has spent more than 30 years in the residential mortgage finance sector. During his career, he has held executive positions in Capital Markets and Loan Production sales. Michael is excited to share his industry experience and extensive product and sales knowledge to assist borrowers in reaching their homeownership goals.
He is active in community and industry leadership roles and has been privileged to serve as President of the Austin Mortgage Bankers Association. While his youth coaching days are over, he now volunteers his time locally with Mobile Loaves and Fishes.
Michael and his wife Carroll have four amazing boys and their awesome goldendoodle Rudy. He spends as much time as he can attending Texas Longhorn sporting events and cherishes the occasional round of golf and hunting trip.
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When choosing a mortgage lender, look for clear communication, loan expertise, and guidance throughout the application and closing process.
Yes, Texas has unique property and lending laws, and a local mortgage lender understands state-specific requirements that can impact timelines and loan structure.
Borrowers receive personalized guidance, consistent communication, and support from application through closing to help ensure a smooth home financing experience.
Yes, a mortgage lender should review your financial documents and explain which loan programs you qualify for based on your income, credit, and goals.
Working with a Jefferson Bank mortgage lender provides personalized service, local expertise, and dedicated support throughout the entire home financing process.
*This calculator is being provided for educational purposes only and is provided by a third party not controlled by Jefferson Bank. The results are estimates that are based on the information you provided and may not reflect Jefferson Bank product terms. Jefferson Bank is not responsible for the content, results, or the accuracy of information. Speak with a Jefferson Bank Mortgage Loan Officer for more specific information.
We strongly advise against sharing any confidential personal or account information via email. For your security, please use secure channels provided by the bank for sensitive transactions and inquiries.
All home lending products are subject to credit approval. Rates, program terms and conditions are subject to change without notice. Other restrictions and limitations apply.
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