Credit & Lending Center

Roxanne Harding
(904) 314-7460
hardingr@vystarcu.org

Roxanne Harding
VyStar Mortgage Loan Consultant

Roxanne Harding has served the mortgage lending needs of VyStar members since 2006. A native of Jacksonville, Florida, Roxanne brings many years of experience in the mortgage services industry to VyStar Credit Union. She previously worked for Washington Mutual where she held a variety of positions that allowed her to fine-tune her business skills.

Roxanne loves working with members, sharing information and providing excellent member service in finding the best fit for your needs. She is an active member of the Northeast Florida Association of Realtors (NEFAR) and the Women's Council of Realtors (WCR).

If you would like to speak with Roxanne Harding, please call her at (904) 314-7460 or email her at hardingr@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.

Carrol Leonard
(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.

Wendy Moatz
(904) 703-2779
moatzw@vystarcu.org

Wendy Moatz
VyStar Mortgage Loan Consultant

Wendy Moatz has served the mortgage lending needs of VyStar members since 2006. Raised in a Military family, she has lived in Florida, Rhode Island, California, Virginia and the Philippines as well as traveled through the Far East and Europe. Wendy earned her Bachelor's Degree from Albion College in Michigan.

Wendy developed her passion for mortgage lending while working for a mortgage broker in the Florida Panhandle. She is a long-time member of VyStar, and serves as an advocate on the benefits of credit union membership and promises to do everything she can to make your mortgage experience a positive one.

If you would like to speak with Wendy Moatz, please call her at (904) 703-2779 or email her at moatzw@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
(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.