Credit & Lending Center

Your VyStar Mortgage Loan Consultants

Carrol Leonard

Carrol Leonard
NMLS # 623238
(904) 303-0728
leonardc@vystarcu.org

Carrol Leonard
VyStar Mortgage Loan Consultant

Carrol Leonard has served the mortgage lending needs of VyStar members since 2007. A native of Jacksonville, Florida, Carrol brings over twenty-five years experience in the mortgage services industry to VyStar Credit Union. Her background is in real estate title with a career in banking and mortgage lending.

Carrol specializes in helping members find the right mortgage for the purchase of a new home, second home, or land, as well as assisting in refinancing current properties. Additionally, she can assist members interested in an equity loan. Carrol is versed in the growing Manufactured Home/Land market.

If you would like to speak with Carrol Leonard, please call her at (904) 303-0728 or email her at leonardc@vystarcu.org. She will be happy to meet with you at any location and at any time that is convenient for you, including evenings and weekends.

Mary Holcombe
NMLS # 371871
(904) 403-6303
holcombem@vystarcu.org

Mary Holcombe
VyStar Mortgage Loan Consultant

Mary Holcombe offers 15 years experience in the real estate and mortgage industry that serves Northeast Florida. Mary's professionalism, knowledge, and expertise in conventional, FHA, and VA financing provides the best loan solutions possible.v

Mary holds a Florida Real Estate Brokers License and Florida Mortgage Broker License. She has working knowledge of all aspects of mortgage lending and provides counseling for your home purchase or refinance, and the best practices for accessing your home's equity to strengthen your financial position. Mary is a long-time member of VyStar and understands the many benefits and services offered to our membership.

If you would like to speak with Mary Holcombe, please call her at (904) 403-6303 or email her at holcombem@vystarcu.org. She will be happy to meet with you at any location and at any time that is convenient for you, including evenings and weekends.

Nichole Smith

Nichole Smith
NMLS # 665295
(904) 316-5292
smithnich@vystarcu.org

Nichole Smith
VyStar Mortgage Loan Consultant

Nichole Smith has seven years of experience in the real estate and Mortgage industry. Nichole is very knowledgeable in Conventional, FHA, and VA mortgages. Whether you are purchasing a home or refinancing your current home, Nichole will explore all VyStar programs to determine a mortgage solution that meets your financial needs. She consistently provides outstanding member service by actively communicating with you throughout the loan process to ensure a smooth process from start to finish.

If you would like to speak with Nichole Smith, please call her at 904-316-5292 or email her at smithnich@vystarcu.org. She will be happy to meet with you at any location and at any time that is convenient for you, including evenings and weekends.

Rosemary Lorenz

Rosemary Lorenz
NMLS # 965909
(904) 248-8661
lorenzr@vystarcu.org

Rosemary Lorenz
VyStar Mortgage Loan Consultant

Rosemary Lorenz has 13 years of Mortgage Lending and Servicing experience. Rosemary was a licensed Real Estate agent for four years in Maryland which coupled with her mortgage origination and servicing background makes her a valued mortgage expert. She is well versed and knowledgeable with Conventional, FHA, and VA financing products and services. Her mortgage experience lends itself to offering the credit union mortgage solutions tailored to meet your individual financial needs.

Rosemary specializes in helping members find the right mortgage for the purchase of a new home, second home, or land, as well as assisting in refinancing a property you currently own. Additionally, she can assist you with one of our equity or home equity line of credit products.

If you would like to speak with Rosemary Lorenz please call her at (904) 248-8661 or email her at lorenzr@vystarcu.org. She will be happy to meet with you at any location and at any time that is convenient for you.

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