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Leadership

 

Meet the people who make Your Home Now Mortgage shine 

Deborah Garcia-Gratacos

President and Chief Executive Officer

Ms. Deborah Garcia-Gratacos is the President and founder of Your Home Now Mortgage, a division of DEVAL LLC. Ms. Garcia-Gratacos is responsible for the overall strategic direction and operating results of the company. Ms. Garcia-Gratacos is a licensed attorney with a professional and educational background in real estate and finance. Prior to founding DEVAL, Ms. García-Gratacos worked as a Real Estate Consultant for Arthur Andersen LLP Valuation Group in Vienna, Virginia.

Ms. Garcia-Gratacos has a Master’ s of Business specializing in Real Estate from the University of Florida Warrington College of Business; a Juris Doctor from the University Of Florida Levin College of Law; a Dual Bachelor’s of Arts in Public Administration and Criminal Justice from the University of Central Florida. Ms. Garcia-Gratacos is also a Mortgage Loan Officer licensed in multiple states and is a Certified Residential Underwriter with the Mortgage Bankers Association. Ms. Garcia-Gratacos is on the local BB&T Springfield Local Advisory Board. Ms. Garcia-Gratacos, a native of the Commonwealth of Puerto Rico, is fluent in Spanish.

Edgar E. Garrido

Chief Financial Officer

Mr. Edgar Garrido is the Chief Financial Officer for Your Home Now Mortgage, a division of DEVAL LLC and is based in DEVAL’s regional office in the Washington DC Metro Area. He is an accounting and business professional with over 10 years of experience in all aspects of accounting and financial management. Mr. Garrido is responsible for the company’s accounting operations, including the production of periodic financial reports, maintenance of an adequate system of accounting records, and a comprehensive set of controls and budgets designed to mitigate risk, enhance the accuracy of the company’s reported financial results, and ensure that reported results comply with generally accepted accounting principles or international financial reporting standards. Mr. Garrido has a Bachelor of Science Degree in Accounting from Strayer University. Mr. Garrido, a native of the Dominican Republic, is fluent in Spanish.

John R. Holler

Senior Vice President of Loan Servicing and Lending

Mr. John R. Holler is Your Home Now Mortgage, a division of DEVAL LLC, Senior Vice President of Loan Servicing & Lending based in Irving, Texas. Mr. Holler has vast experience in management, loan servicing, lending and originations, due diligence, asset management, and technology. Mr. Holler brings over 30 years of private sector experience in management of servicing and origination projects valued over $230 Billion which include loan servicing, mortgage lending and originations, asset management, due diligence, technology, and reporting. Mr. John Holler attended the University of Illinois and Lincoln Land Community College and is a Certified Residential Underwriter with the Mortgage Bankers Association.

Lusby A. Sarmiento

Senior Vice President of Regulatory Compliance

Ms. Lusby A. Sarmiento is the Senior Vice President of Regulatory Compliance for Your Home Now Mortgage, a division of DEVAL LLC, and a licensed attorney with a sound professional and educational background in management, finance, banking, regulatory compliance and law. Ms. Sarmiento is based in DEVAL’s regional office in the Washington DC Metro Area. Ms. Sarmiento holds a Juris Doctor from the Interamerican University of Puerto Rico School of Law and a Bachelors of Arts Degree in Criminal Investigation from the Interamerican University of Puerto Rico, Arecibo Campus. Ms. Sarmiento is licensed to practiced law and is an Authorized Public Notary (“Notaria Pública”) in the Commonwealth of Puerto Rico. She is also a member of the Puerto Rico Bar Association and a Certified Residential Underwriter with the Mortgage Bankers Association. Ms. Sarmiento, a native of the Commonwealth of Puerto Rico, is fluent in Spanish.

Sandra Marrero

Senior Vice-President of Loan Production Operations

Ms. Sandra Marrero is the Senior Vice President of Loan Production Operations for Your Home Now Mortgage and is responsible for managing the sales force and origination operations company-wide. Ms. Marrero is a licensed Mortgage Loan Officer in multiple states and has a professional and educational background in mortgage banking. With more than 20 years of experience, Ms. Marrero has worked with investors, stakeholders and has lead sales teams, processors and loan officers originating billions in new mortgage loans. Ms. Marrero attended the Interamerican University of Puerto Rico and obtained a degree in Business Administration and is a member of the Mortgage Banking Association (MBA). Ms. Marrero volunteers Servants Heart and Orange County Public Schools serving students and the community. Ms. Marrero, a native of the Commonwealth of Puerto Rico, is fluent in Spanish.

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