Sheila O'Neil
NMLS# 371029
Meet Sheila
As a mortgage loan officer and private mortgage banker, Sheila has spent the last 13 years helping clients maximize the return on their homes—the biggest financial investment most people make. By understanding and selecting the optimum financing available for each home and buyer, Sheila uses her interest in real estate, people, and analysis to help borrowers choose the best loan options available. Sheila has a Bachelor of Science degree in mechanical engineering from Cal Poly, San Luis Obispo – which she feels comes in handy with the technical aspects of preapproval and problem-solving during the home-buying process—and a Masters of Business Administration degree from the University of Rochester, New York.
Contact Sheila
Explore the RCU difference
At RCU, we love to help you succeed. We’re focused on people and our community, never profits or stockholders. It’s why we offer personalized banking that works for your life. So, no matter where you are in your journey, we’re excited to be right there with you.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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