Our Team

Audra Santos

Vice President, Credit Union Lending;
Branch Manager, Norcom Mortgage


Audra is a top producer in the lending industry and has more than 20+ years of experience.  She has extensive knowledge in various products, programs and processes which allows for a highly communicative and collaborative lending experience. She lives by the philosophy of “People Helping People” and “Changing Lives” which makes her a tremendous partner in the credit union community.  Audra shares the core values of honesty and integrity which are fundamental requirements when working with members and mortgages.

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John Luddy

Senior Vice President, Reverse Mortgage;
Norcom Mortgage

John Luddy joined Norcom Mortgage with over 30 years of mortgage origination experience. For the last ten of those years, John has dedicated himself solely to the origination of reverse mortgages.

John has helped hundreds of Connecticut families improve their lives by accessing the equity in their home in order to maintain their financial freedom through a reverse mortgage.

John has served on many advisory boards and commissions throughout central Connecticut including the investment committee at the Hospital Of Central Connecticut, the investment committee of the New Britain Senior High School Scholarship Fund and is a past Director of the Mattabasset Regional District. During the last legislative session John also served on the State of Connecticut’s reverse mortgage task force.

During the early part of his career, John assisted thousands of Connecticut families buy their first homes but now John remains passionate to his dedication of the reverse mortgage product.

John is a native of New Britain, Connecticut, presently living in Kensington with his wife Bernadine. They have two grown children. NMLS ID # 74875

Valerie DaCosta

Loan Officer Assistant


Valerie holds a bachelors degree in Business Management with a concentration in Finance. Valerie has a strong background in working in Finance and held several positions in customer service. Valerie is Bilingual (Spanish-native) and also will be able to assist all of our Spanish speaking clientele.