Meet the Board of Directors

About Me

Luis is a top-producing REALTOR® who has been with Coldwell Banker Realty since 2010. He provides friendly, professional, and ethical service that inspires trust and confidence in his clients.

As a native San Franciscan and a graduate of Saint Ignatius College Preparatory, UC Berkeley, and the School of Law at UC Berkeley, Luis possesses the knowledge and experience necessary to navigate the complicated Bay Area real estate market. He is a skilled negotiator and has honed his mastery of contracts through his legal practice.

Luis' ability to listen and communicate clearly with his clients, vendors, and colleagues ensures that their real estate goals are achieved. His expertise and commitment to excellence have earned him a reputation as a trusted advisor in the industry.

In 2022, with the support of Coldwell Banker Global Luxury, Luis founded the Moran Real Estate Group. As the team grows, they are able to provide service to a greater portion of the Bay Area, while maintaining their focus on each individual client.

Luis is committed to providing exceptional service to his clients and helping them achieve their real estate goals with confidence.

Professional Accomplishments:

• Board of Directors - San Francisco Association of Realtors
• Board of Directors - California Association of Realtors
• President – San Francisco Rotary Foundation
• Founder – The City chapter of NHORA
• Chair – Coldwell Banker DEI Network for Northern California
• Member - California Bar Association
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Luis Moran, JD

About Me

• Experienced Realtor with a demonstrated history of working in the real estate industry for 25 years. Well-known expert 1st-time homebuyer agent specializing in Single Family Homes, multiple-family homes, Investments, negotiations, and sales. Communication has made me successful with a 99% referral base. Utilizing my old-fashioned traits with strong tech-savvy marketing magic. Strong in personal relations, community building, and high standard of ethics. I deliver results! Community leader as President-Elect for the Santa Clara County Association of Realtors and Past President of NHORA Santa Clara County and San Benito County. I serve my communities and believe in building thriving neighborhoods by giving back. Living a life of Love with my husband, six children, and new Mimi to two amazing grandchildren.

About Me

After 20 years in the mortgage industry, everyone knows I get it done. I’ve stepped into several leadership roles and been awarded for leading the way in home financing. These roles and awards include NHORA National Board Member, Founder and President of NHORA The Valley, Founder of NAHREP Central Valley and President 2017, NAHREP Top 250, and NAHREP Alumni. Whether you’re a first-time homebuyer or a seasoned real estate investor, you can trust me every step of the way.

When you work with my team and me, we’ll guide you through your home loan journey – in English or Spanish, depending on your preference. I’ll start by discussing your specific circumstances so we can offer the mortgage options best suited to you. I’ll provide information on every aspect of the home financing process and each home loan program available. Whether conventional or jumbo, FHA, or VA, we’ll find the product to make your dreams a reality.

From applying to receiving your keys or completing your refinance, I’ll be there to support you. You’ll receive continuous updates on your loan, and I’ll be available to answer your questions, too. Communication promotes confidence, and I want you to feel confident every step of the way.

Jessica Portillo

About Me

Joining Guild Mortgage Company and the Stebbins Mortgage team has afforded me the opportunity to help clients achieve something they might never have thought possible, whether it’s to purchase their first home, refinance their current home or to upsize/downsize their present home based on their current financial needs. Guild Mortgage and Stebbins Mortgage Team has proven their ability to provide these things year after year. Their commitment, coupled with my 20 + years of experience in all facets of the banking/financing industry along with my degree in finance, furnish me all the tools I need to provide clients with the type of home loan experience they deserve. It is my goal that they know they have a partner who is invested in their best interests, not just today but for life.

Away from work, I enjoy spending time with my family…my husband of 20+ years and my amazing teenage son. We love the outdoors, camping and traveling with my son’s baseball team. In addition to my family and my career, my passion is being active in and giving back to my community. I have been a longtime member of Rotary and am currently President of the Los Banos Rotary along with being a member of the Los Banos Chamber of Commerce and the Los Banos Downtown Association. Most recently, I became President of the local Chapter of NHORA (National Hispanic Organization of Real Estate Associates)

About Me

Gema S. Smith has been an influential pioneer in the luxury real estate industry for over 30 years. With a reputation for providing first-class service and garnering impeccable results for her clients, Gema’s accomplishments have earned her mentions in San Jose Magazine as well as two State of California Senate Certificates of Recognition.

Gema Smith has earned the nationally recognized Seniors Real Estate Specialist® designation from the SRES® Council of the National Association of REALTORS®. She successfully completed the comprehensive course in understanding the needs, considerations, and goals of real estate buyers and sellers ages 55 and older.

Unapologetically persistent, tenacious in her negotiation and passionate about developing genuine trust with her clients, Gema brings her best-in-class service and award-winning approach to The Compass, with a focus on the high-end market of Silicon Valley. Previously, Gema served as a Broker Associate with Intero Real Estate Services in San Jose, where she was a consistent top producer and recognized as a Top Listing and Sales agent for the company’s 15 corporate offices, as well as a Broker Associate at The Agency. Knowing that every buyer and seller has their own unique story to tell, Gema is proud to play a role in her clients’ ongoing narrative and represent their best interests in what is often the biggest transaction of their lives.

Gema has been an active member of the real estate community since 1987, getting her start in the loan business before obtaining her real estate and broker’s licenses. In 2002, she opened a real estate brokerage and loan company which she ran successfully until 2008, when she chose to focus her efforts on real estate sales full-time. Gema is a long-time member of the Santa Clara County Association of Realtors (SCCAOR) and California Association of Realtors (CAR), as well as a Certified REO & SHORT SALE Specialist with The Five Star Institute. She is also a two-time Santa Clara County Chapter President of NHORA (National Hispanic Organization of Real Estate Associates) and currently sits on the NHORA National Board of Directors.

A passionate philanthropist, Gema sits on the Board of Directors for the Jose Valdes Math Institute. Her commitment and dedication to the advancement of educational opportunities to underserved communities defines her character. In her spare time, Gema enjoys gourmet cooking, entertaining family and friends, wine tasting, reading, jogging and traveling.

Gema Smith

NHORA National

Compliance Officer

DRE #: 01128805

Realtor®

Compass

Contact information

(408) 687-3758

About Me

Lupe Silva, grew up in the Monterey Bay area, then moved to San Jose while attending Santa Clara University, and stayed in the Bay Area while working at Apple Computer (1992-1998). Lupe Silva’s Computer Science degree and engineering experience at Apple makes her a very unique and attentive to detail Real Estate Professional and one who can handle and resolve very complicated & complex transactions. Lupe got her real estate license in the year 2000 after having her 2nd child and needing a more flexible job. After 24+ years of Real Estate experience and more than 1400 transactions closed, Lupe has made a name for herself in her community, and in the industry. She has established herself as a leader in residential real estate. In 2011, while working at Coldwell Banker, Lupe ranked TOP 1% among NRT (Coldwell Banker’s parent company) agents worldwide (over 45,000 agents) and received the “International President’s Elite” award--an esteemed designation earned by only an elite few worldwide. Year after year Lupe continues to rank at the top making her one of the most influential Realtors in the industry with a diverse background assisting First Time Buyers, Sellers, Investors, Probates, Trusts, Court Sales, Bank Owned, Short Sales. In 2023 she ranked in the top 1% in the Santa Clara County Association of Realtors & in 2024 she ranked in the top 3%.

Hard working, focused, and dedicated to excellence, Lupe Silva strives to represent the best in the Real Estate industry. A personal touch and commitment to excellence has resulted in a clientele that returns for service and accounts for more than 90% of her referral business. Lupe Silva’s proven marketing strategy, coupled with strong negotiating skills, will provide the service and results that you expect from a real estate professional. Her support TEAM of highly trained individuals makes Lupe Silva the realtor of choice for all your real estate needs.

Lupe Silva is involved in the following organizations:

• National Association of Realtors® - member
• California Association of Realtors® - member
• Santa Clara County Association of Realtors® - member
• National Hispanic Organization of Real Estate Associates (NHORA) – 2013-present
  • Past President 2018-2019
  • NHORA FOUNDATION Past President 2020-2023
• Fundacion Humanidad for Mental Health (non-profit community organization) –
  • 2013-2022 Vice-President
• Habitat for Humanity – volunteer
• Saint Mary's Church, member & proclaimer of the word
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About Me

I have a long-standing career in mortgage lending that spans processing, underwriting, product development, servicing, and training. I have over 25years of experience working in affordable housing with lenders, government sponsored enterprises and non-profit partners on a National Level.

My current role with Wells Fargo Home Mortgage allows me to help make the dream of homeownership a reality for more minorities, low to-moderate income and first time homebuyers. I am responsible for implementing the Diverse Segments Strategy within 6 counties in the Bay Area and Northern California managing activities and opportunities to grow purchase penetration.

• I am active in local communities, and I am past Board Chair of “The Unity Council” and “The Fruitvale Development Corporation”. I am also a past Director on the board of “Visionary Home Builders” in Stockton, Ca

Rosy Davalos

Director at Large

Wells Fargo

Vice President Senior Business Growth Strategy Consultant

Contact information

(510) 798-2957

About Me

Tim’s career is a long and diversified one. Tim began his career in the Finance and Accounting sector in 1984 after graduating from UNLV. He spent 10 years with Lockheed Missiles & Space Company as a Finance/Budget Analyst where we worked for 10 years. Upon leaving Lockheed in 1994, he began stints as an independent Cost Analyst/Accountant at various High Tech firms such as National Semiconductor, IBM, Pyramid Technologies, Chip Express and C-Cube Microsystems.

In 1999 (with the encouragement of his wife Gema) Tim left the High Tech sector to start their own Mortgage Brokerage (GT Home Loans) and Real Estate Brokerage (Gente Real Estate). Tim successfully managed multiple offices in Northern California with offices in San Francisco, San Jose, Petaluma and Morgan Hill.

Tim joined NHORA in the very beginning (2010) and started the very first NHORA Chapter (Santa Clara). Tim has been able to use his accounting acumen to financially manage the Non-Profit and the NHORA Foundation.