Skip Santos is an FHA Underwriter and will focus on underwriting Multifamily loans to be processed through the HUD MAP Program.

Mr. Santos began his banking career at Hibernia National Bank in 1989 in Credit Analysis where he received formal credit training. As a commercial lender he specialized in Mortgage Warehouse and Commercial Real Estate. During 2000, Mr. Santos became the bank’s chief originator for a partnership between Hibernia National Bank and Standard Mortgage of New Orleans focusing on the origination of multifamily loans to be placed in the permanent market through FNMA and conduits.

Since 2001, Mr. Santos has concentrated on multifamily loan requests processed through the HUD MAP Program with responsibilities including origination, underwriting, and issuance of GNMA securities. His experience in multifamily lending include: Historic Tax Credits, LIHTC, affordable, market rate, and healthcare properties.

Mr. Santos received his B.S in Accounting from Louisiana Tech University and an M.B.A from Loyola University.

Lana is the Associate FHA Loan Processor at Churchill Stateside Group supporting the underwriting team through the FHA multifamily housing debt under the HUD, MAP, and LEAN programs. She is responsible for the due diligence of borrower communications, governmental transaction processing, final loan document reviewing and loan package preparations submitted to HUD.

Prior to joining CSG, Lana worked as a Loan Processor and Audit Specialist, for Citibank. There she was responsible for processing conventional mortgage refinance and purchase transactions for a period of six years. She has assisted in over 1,000 successful loan closings of both refinancing and purchasing applications by working as an advocate and main point of contact. Later, Lana moved to a special projects team where her accountability included; auditing files of loan processors for quality assurance, along with monitoring regulations in accordance with company, lender, and federal guidelines.

Mrs. Demchak has a bachelor’s degree in English and history from Eastern Michigan University. She is also in the final stages of completing a master’s degree in business administration with a concentration in community economic development from the University of Southern New Hampshire.

Deanna deGoma joined Churchill Stateside Group as an Underwriting Analyst in the FHA Underwriting Division. She is responsible for various underwriting tasks focusing on mortgage credit analysis and HUD due diligence requirements. Ms. deGoma has over 9 years of FHA underwriting and analyst experience and has closed in excess of $300 million in HUD transactions, including market rate, affordable and healthcare deals.

Ms. deGoma began her career at Fannie Mae in 2002 where she worked in the Communications Department and Foreclosed REO division. Since then, she concentrated her career in FHA underwriting of multifamily market rate and affordable projects. Prior to joining Churchill Mortgage, Ms. deGoma held various positions in FHA underwriting at commercial real estate finance companies including PNC Bank and CB Richard Ellis.

Mrs. Pemberton is a Senior Vice President at CSG and provides support to the team through the effective organization of various due diligence requirements and the processing of loans through HUD, USDA Section 538 and other lending sources.

Lois brings to the team more than 20 years of commercial real estate finance and banking experience and has previously held positions in Credit, Underwriting and Commercial Banking. After roles in commercial banking, she joined the Midland Companies where she held various positions in underwriting and loan delivery management. As Vice President at Midland, she was instrumental in the implementation of the loan delivery processes to Fannie Mae, Freddie Mac and other secondary market sources. Throughout her career, Lois has been responsible for the successful packaging and delivery of loans totaling $2.3 billion.

Lois has extensive experience as a liaison between lenders, borrowers, legal counsels, title agents, and various parties to ensure the successful funding for many types of transactions.