Skip to Main Content Skip to Internet Banking Skip to Sitemap
Martin Luther King, Jr. Day

All VyStar offices will be closed on January 18th.

Close Alert
COVID-19
We are here to help our members. Branch Status | Mortgage | Loans | Businesses | Stimulus | Announcements
Close Alert
VyStar Credit Union VyStar Credit Union mobile view
  • Login
  • Become a Member
  • Locations
  • Contact Us
Search this site
  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Banking
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Business Services
      • Small Business Resource Library
      • VyStar@Work
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership
Login
Search this site

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Banking
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Business Services
      • Small Business Resource Library
      • VyStar@Work
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • Home
      • Auto
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • Coronavirus (COVID-19)
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Military Support
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership

  • Login
  • Become a Member
  • Locations
  • Contact Us
Home > Products & Services > Lending > Mortgages > Contact a Mortgage Loan Officer

Contact a Mortgage Loan Officer

  • Wendy Moatz
    Wendy Moatz

    NMLS# 623211
    (904) 403-6314
    moatzw@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Wendy Moatz
    Bio
    Close

    Wendy Moatz

    Wendy Moatz, a long-time VyStar Credit Union member, began her career as a Mortgage Loan Officer with VyStar in 2006. She was raised in a military family, which allowed her the opportunity to live in Florida, Rhode Island, California, Virginia and the Philippines before graduating from Albion College in 1995. Wendy specializes in Conventional, VA, FHA, Land and Home Equity Mortgage Products. She is currently a licensed Mortgage Loan Originator through the State of Florida and her 2011 Five Star Mortgage Professional Award represents her continuing commitment to providing excellent member service. 

    If you would like to speak with Wendy Moatz, please call her at (904) 403-6314 or email her at moatzw@vystarcu.org. She will be happy to meet with you at any branch location at a time that is convenient for you.

  • Darashea
    Darashea "Shea" Williams

    NMLS # 30972
    (904) 629-7176
    williamsda@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Shea Williams
    Bio
    Close

    Darashea "Shea" Williams

    Darashea "Shea" Williams is a United States Army veteran as well as a Mortgage Professional with 13 years of experience and comprehensive knowledge of Conventional, FHA, VA and Land loans. He has worked with a full range of borrowers including first-time homebuyers. Shea strives to make sure first-time homebuyers are comfortable with their new home purchase and fully understand the mortgage transaction.

    Purchasing a home or refinancing your existing home can be very exciting and a bit stressful. His experience with the mortgage process allows him to guide you to the result you are looking for in a smooth and professional manner.

    If you would like to speak with Darashea Williams, please call him at (904) 629-7176 or email him at williamsda@vystarcu.org. He will be happy to meet with you at any location and at any time that is convenient for you, including evenings and weekends.

  • Steve Strother
    Steve Strother

    NMLS # 1583502
    (904) 707-4020
    strothers@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Steve Strother
    Bio
    Close

    Steve Strother

    Steve Strother is a native of Jacksonville and offers a wealth of experience with over 35 years of Mortgage and Financial Services expertise to help you achieve your mortgage needs and goals.

    Steve specializes in Conventional, Jumbo, FHA and VA loans. He also helps those in need of obtaining a mortgage on Land (Lot) and Mobile Home and Land loans.

    Steve can be trusted to help you through the mortgage process, whether you are a First Time Home Buyer or you are looking to refinance and pull cash out of your existing home. Over the last 3 decades, Steve has helped countless numbers of homeowners achieve their dreams and goals and he is with them through the entire process, from start to finish.

    If you would like to speak with Steve Strother, please contact him at (904) 707-4020 or email him at strothers@vystarcu.org. He will be happy to meet with you to discuss your mortgage needs so call him today. 

  • Yolanda Wormely
    Yolanda Wormely

    NMLS # 802562
    (904) 631-7991
    wormelyy@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Yolanda Wormely
    Bio
    Close

    Yolanda Wormely

    Yolanda has knowledge working with FHA, VA, and Conventional Loan products. With this knowledge she can help guide you to the right product for your specific need.

    If you would like to speak with Yolanda Wormely, please call her at (904) 631-7991 or email her at wormelyy@vystarcu.org.

  • Mary Spencer
    Mary Spencer

    NMLS # 1064447
    (904) 428-9153
    spencerm@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Mary Spencer
    Bio
    Close

    Mary Spencer

    Mary Spencer has helped many people achieve their goal of home-ownership. Whether you are a first-time home buyer or refinancing an existing loan, Mary has a solid understanding of the real estate market and what it takes to close your loan with efficiency and expertise.

    A proven mortgage professional, her attention to detail will make your mortgage process run smoothly and easily.

    Specializing in the following:

    • Conventional Fixed Rate and Adjustable Rate loan programs
    • First-time home buyer financing options
    • Jumbo Financing for homes requiring larger loan amounts
    • Financing solutions for vacation/second homes and properties
    • Options for accessing your home's equity when you need additional funds
    • Mortgage refinancing options that could lower your monthly payment and save you money each month

    Call Mary Spencer today and let her be your trusted Mortgage Loan Officer!

  • James K. Craycraft II
    James K. Craycraft II

    NMLS # 1534456
    (904) 401-4894
    craycraftJ@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    James Craycraft
    Bio
    Close

    James K. Craycraft II

    James is very passionate when it comes to ensuring our members are at ease while going through the loan process by drawing a clear and vivid picture of what to expect and how it all works.

    “Keeping it simple”

    Whether you are looking to purchase a home, debt consolidation or simply a Home Equity Line of Credit (HELOC) for emergencies and/or home improvements (pool – solar panels - etc.), James will help match the best mortgage product for your specific needs.

    Prior to James starting his career with VyStar, over 11 years ago, he was a REALTOR®, in the Jacksonville/Nassau County area. He understands “Time is of the Essence” –and not everyone can conduct their real estate needs during regular business hours. James takes great pride in going above and beyond by conforming to your schedule.  Sellers do want a pre-approval letter before letting you view their house and/or to put in an offer and you want to be ready when the time comes.  Don’t miss a deal because a lender was slow to produce a pre-approval letter.

    With VyStar has great programs; paying up to $ 5,000 in closing cost, lower interest rates, in conjunction with the assistant of James, be ready to experience VyStar Excellence!!

    James is extremely friendly and very enthusiastic and enjoys helping our members save money. He welcomes you to email craycraftj@vystarcu.org or call/text (904) 401-4894.

  • Kim Johnson
    Kim Johnson

    NMLS # 415193
    (904) 420-8733
    johnsonki@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Kim Johnson
    Bio
    Close

    Kim Johnson

    “Behind every mortgage loan is a borrower with a strong emotional attachment to the property.” 

    These are the words that drive Kim’s passion for mortgage lending.  Whether this is your first mortgage loan or you’re refinancing your forever home, you can feel confident that Kim will use her 18 years of mortgage lending experience to guide you from choosing the appropriate mortgage loan for you all the way through to your closing.

  • Jennifer Chaves
    Jennifer Chaves
    NMLS# 1809799
    (904) 608-4995
    chavesj@vystarcu.org
    VyStar Mortgage Loan Officer
    Apply with
    Jennifer Chaves
    Bio
    Close

    Jennifer Chaves

    Jennifer Chaves has been in the mortgage industry for more than seven years, recently moving with her family from Connecticut to Florida. She is excited to continue to help homeowners with their mortgage financing needs here in the “Sunshine State.” Jennifer is experienced and professional, and her focus is always on what’s best for her clients. Whether you are a first-time homebuyer, buying a vacation or retirement home, or refinancing your existing home, Jennifer can walk you through the process with ease.

    If you would like to connect with Jennifer Chaves, please call her at (904) 608-4995 or email her at chavesj@vystarcu.org. She will be happy to meet with you at a location and time that is convenient for you.

  • Gerardo Velez
    Gerardo Velez
    NMLS # 938085
    (904) 304-7340
    velezge@vystarcu.org
    VyStar Mortgage Loan Officer
    Apply with
    Gerardo Velez
    Bio
    Close

    Gerardo Velez

    Gerardo Velez is a mortgage loan professional with over 20 years of experience in the Banking and Consumer Lending Industries. Gerardo, fluent in English and Spanish, has a degree in Business Administration. His focus is in management and finance and he possesses additional training and certification in banking compliance and regulations. Whether you’re a first-time homebuyer, looking to trade, deciding to downsize or simply wishing for a change, Gerardo is equipped with the knowledge and experience to help you through the loan process.

    The financial aspects of homebuying can be stressful and overwhelming, but with a trained and caring professional like Gerardo in your corner, they don’t have to be. Contact him today to get started on making your homeownership dream come true.

  • Laura Willard
    Laura Willard
    NMLS # 1942472
    (904) 428-9137
    willardl@vystarcu.org
    VyStar Mortgage Loan Officer
    Apply with
    Laura Willard
    Bio
    Close

    Laura Willard

    Laura Willard has worked in various facets of the financial services industry since the early 2000s. She has a financial economics degree and an MBA in accounting. Laura is dedicated to providing you with an outstanding mortgage experience. She will work diligently with you to find the solution that best fits your financial and homeownership needs.

    If you would like to connect with Laura Willard, please call her at (904) 428-9137 or email her at willardl@vystarcu.org. She looks forward to discussing your mortgage needs at a time and location that is convenient for you.

  • Richard Demico
    Richard Demico
    NMLS# 1180681
    (904) 613-0598
    demicor@vystarcu.org
    VyStar Mortgage Loan Officer
    Apply with
    Richard Demico
    Bio
    Close

    Richard Demico

    Rich is a seasoned mortgage professional with 20 years of experience in real estate sales, mortgage operations and mortgage sales. Rich offers a personalized approach to help meet each VyStar member’s individual needs. Whether working with a first-time homebuyer or a self-employed borrower with a complex income steam, Rich is able to customize the best solutions to maximize your personal financial needs and goals.

    Rich specializes in jumbo, conventional, FHA and VA loans for both purchases and refinances, as well as HELOCs and land loans. Through VyStar’s many competitive loan products, Rich can help you choose the most viable option to fit your needs. Rich will provide support throughout the loan process and set proper expectations to ensure a smooth closing.

    If you would like to speak with Rich Demico, please call him at (904) 613-0598, or email him at demicor@vystarcu.org. He will be happy to meet with you at any location and at any time that is convenient for you, including evenings and weekends.

  • John Baird
    John Baird
    NMLS# 658800
    (904) 655-3091 
    bairdj@vystarcu.org
    VyStar Mortgage Loan Officer
    Apply with
    John Baird
    Bio
    Close

    John Baird

    John Baird is a mortgage loan originator with more than 20 years of experience in building relationships, developing and implementing marketing strategies and providing high-quality customer service to ensure every transaction is handled with the proper care. He specializes in conventional mortgage programs, including FHA and VA loans.

    John originates mortgages in VyStar’s footprint while maintaining and monitoring existing clients, many of whom are realtors, builders, financial advisers, CPAs, attorneys and doctors. With an in-house operations staff that includes local processors, underwriters and closers, John and his team are prepared to guide you from the loan application process to the closing table.

    If you would like to speak with John Baird, please call him at (904) 655-3091 or email him at bairdj@vystarcu.org. He will be happy to meet with you at any branch location at a time that is convenient for you.

  • Stina Antonopoulos
    Stina Antonopoulos
    NMLS# 1891367
    (904) 327-5272
    antonopouloss@vystarcu.org
    VyStar Mortgage Loan Officer
    Apply with
    Stina Antonopoulos
    Bio
    Close

    Stina Antonopoulos

    With more than 20 years of real estate experience in Florida, Stina Antonopoulos offers extensive knowledge of the homebuying process. Her credentials in Florida include earning a Real Estate Broker License, Community Association Manager License and Mortgage Broker License, in addition to her bachelor’s degree in business administration.

    Stina chose to work at VyStar Credit Union because she wants to offer the most straightforward, no-nonsense financial options to members who are seeking home equity loans, refinance options and home mortgage loans. VyStar offers up to $5,000 to its members who qualify for closing costs on refinancing or purchases for conventional loan products. Options such as these exemplify the financial integrity that aligns VyStar’s values with Stina’s goal of providing quality service that makes a difference.

    Stina and her family are proud VyStar members and she is pleased to work at VyStar, where members always come first. She is excited for the opportunity to offer her expertise to help you save money and achieve your goals while also offering valuable insight that makes for an enjoyable experience.

    If you would like to speak with Stina, please call (904) 327-5272 or email her at antonopouloss@vystarcu.org. She will be happy to meet with you at a time and location that is convenient for you, including evenings and weekends.

  • Jonathan Storck
    Jonathan Storck
    NMLS# 1968108
    (904) 312-3388
    storckj@vystarcu.org
    VyStar Mortgage Loan Officer
    Apply with
    Jonathan Storck
    Bio
    Close

    Jonathan Storck

    Jon Storck has worked in Florida’s real estate, title and mortgage industries since 2003, and his years of experience can help guide you toward your homeownership goals.

    Whether you are a first-time homebuyer, an experienced buyer purchasing an investment property, a homeowner wanting to access equity from your property or you are looking to refinance your property, Jon knows how to make the process as seamless and enjoyable as possible.

    Jon is committed to providing quality service to his clients and all VyStar Credit Union members. He strongly believes in VyStar’s values of integrity, trust, respect, caring, courage, dedication and loyalty. The importance of these values is evident in Jon’s approach when you work with him.

    Finding the right Mortgage Loan Officer ensures you will have a satisfying experience. If you are interested in speaking with Jon Storck, please call him at (904) 312-3388 or email him at storckj@vystarcu.org.

Mortgage Loan Originator Name NMLS ID
Alisa Mervin 1906760
Amy Moore 1278372
Caroline Ann Crosby 623267
Connie Reeder 1253732
Darrell Martin 944888
Galina Jacobson 794781
Gerardo Velez 938085
Gerry Neufeld 623494
Glenda Lee-Cage 1625560
Heidi Dyal 623288
Holly Yelton 656722
James Craycraft 1534456
Jason J. Brinson 179410
Javonda Chafen 1655042
Jeannie Phanhthourath 1543251
Jennifer Chaves 1809799
Karen Wilcox Richardson 1740772
Kelly Wright 623271
Kimberly S. Johnson 415193
Kristopher Ecklof 1374440
Laura Willard 1942472
LeOnie Green 623187
Mary Spencer 1064447
Melissa Cassani 623352
Melissa Laughlin 676374
Nichole Bolomey 623268
Patricia Jorgensen 623250
Phillip J. Biegel 623175
Randall Galloway 506523
Shea Williams 30972
Sheila Raulerson 623314
Steven Strother 1583502
Tabatha Hughes 623256
Valerie Mast 623147
Wendy Moatz 623211
Yolanda Wormely 802562
Mortgages
  • Contact a Mortgage Loan Officer
  • Affordable Mortgage Programs
  • Home Equity Loans
  • Mortgage Calculators
  • Branch Application
  • Apply Online
  • Apply with Branch
  • Check Loan Status
  • View Rates
Related Resources

Mortgage Loan Rates

Mortgages

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
    • Lending
    • Business Banking
    • Cards & Services
    • Investments
    • Insurance
    • Real Estate Services
  • Online Services
    • Mobile
    • Internet Banking Access
    • Protection Center
  • Financial Tools
    • Advice & Planning
    • Financial How-To
    • Investments & Insurance Tools
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
    • Newsroom
    • Organization
    • Community Involvement
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
    • Benefits of VyStar Membership
  • Like our page on Facebook
  • See our photo stream on Instagram
  • Follow us on Twitter
  • Subscribe to our YouTube channel
  • Check us out on LinkedIn
  • Explore our Pins
  • Sitemap
  • Careers
  • Disclosures
  • Privacy
  • Security
  • Accessibility

VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 800-445-6289
Routing Number 263079276

  • Federally Insured by NCUA
  • Equal Housing Lender
  • Verified by Visa