Hajnalka Calihan has over 25 years of experience in the mortgage industry. Getting to know her clients and building strong relationships is the foundation of everything that she does. She especially enjoys being a part of making dreams of home ownership come true.

Hajnalka prides herself on taking the time to listen to her clients and their needs. She encourages clients to ask questions and wants them to feel totally confident that they understand the process and loan program and that they’re making the right decision for their unique needs.  She also takes a personal interest in each person she works with and feels it’s important that they have a good experience, especially since buying a home is usually one of the biggest purchases a person will make in their life. Her personal philosophy mirrors that of Frontwave’s — our Members aren’t just a number; we truly care about them and their financial dreams.  Outside of work, Hajnalka enjoys spending quality time with family and friends, gardening, going to the beach and listening to live music.

To learn more about how Hajnalka can make your dreams of homeownership come true, contact her at 760.631.8700 ext. 1714 or HCalihan@frontwavecu.com, or visit her at her local branches she serves in Temecula, Wildomar, Yucca Valley, 29 Palms & Barstow.

Tyler Hong brings over a decade of experience in the credit union industry and is proud to be a North County San Diego local, born and raised in the community he serves. Driven by a passion for helping members turn obstacles into opportunities, Tyler is committed to making Frontwave the best place you’ve ever banked.

Whether guiding members toward their dream home, consolidating debt to reduce high interest payments, or building smarter financial strategies, Tyler’s approach is rooted in mentorship, education, and genuine care. Coming from a U.S. Navy family, he has a deep respect for service and a strong desire to support those who serve our communities - especially those who need it most.

Tyler stays ahead of the curve by closely following economic trends and market indicators, while continuously exploring how homeownership and the financial system are evolving through technologies like AI, blockchain, and real-world asset tokenization. His interests span real estate, investments, economics, geopolitics, personal development, psychology, and health - bringing a well-rounded perspective to every conversation.

Outside of the office, Tyler enjoys lifting weights, running on the treadmill, and recovering in the sauna. You’ll often find him meal prepping after a Trader Joe’s run, reading at Moonlight Beach, hiking the Torrey Pines trails, attending live music events, or spending time with friends and family during game nights.

To learn how he can help you with your home loan needs, contact Tyler directly at 760.631.8700 ext. 1476 or TyHong@frontwavecu.com, or visit him at his local branches he serves in Oceanside (Rancho Del Oro and Fire Mountain) and Camp Pendleton (Mainside Pacific Plaza & SOI).

Najee Malham brings over 12 years of experience in the financial services industry. He’s passionate about simplifying complex financial concepts into clear, actionable guidance - helping members feel confident and informed at every step of their journey. Whether assisting with a first home purchase, refinancing, or exploring home equity options, Najee leads with transparency and a true member-first mindset.

To Najee, lending is about more than rates - it’s about trust, communication, and consistently doing what’s right. His goal is simple: to make what can be a stressful process feel smooth, straightforward, and honest. Outside of work, Najee enjoys spending time with his family, continuing to learn, staying involved in his community, playing basketball, and gathering with friends for tabletop games. To learn how he can help you with your home loan needs, contact Najee directly at 760.631.8700 ext. 1054 or NMalham@frontwavecu.com, or visit him at his local branches he serves in San Marcos and Escondido.

Krista Railey brings more than 38 years of experience in the real estate and mortgage industry. She began her career using a 10-key calculator, typewriter, white-out, carbon paper - and a whole lot of determination. While technology has transformed the mortgage industry into the modern marvel it is today, Krista’s work ethic, integrity, and passion for helping people have never changed. (And yes - she still has her calculator, now upgraded to a Qualifier Plus IIIfx.)

Krista’s purpose is simple: to help members achieve their mission. Whether it’s buying a home, refinancing, securing a home equity loan, or gaining clarity through education, every member’s journey is unique - and equally important. Turning a “Mission Impossible” into a “Mission Possible” takes experience, commitment, and the willingness to adapt. Krista firmly believes the key to success is making adjustments, not excuses.  She is an expert in Conventional, Jumbo, and VA loans, as well as Home Equity products. Krista excels at complex self-employment and rental income analysis and is known for resolving challenging underwriting issues. As a hands-on manager, she stays closely involved in every transaction, taking ownership of issues and guiding them through to resolution. 

Outside of work, Krista enjoys spending quality time with her friends, family, and dogs. Her interests include biking, swimming, cooking, bowling, playing cards, reading, listening to audiobooks and music - and, of course, tripping the light fantastic.

You can reach Krista by phone at 760.631.8700 ext. 1723, by email at krailey@frontwavecu.com, or in person by scheduling an appointment.