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Home > Products & Services > Lending > Mortgages > Contact a Mortgage Loan Officer

Contact a Mortgage Loan Officer

  • <a href=Mary Holcombe" />
    Mary Holcombe

    NMLS # 371871
    (904) 403-6303
    holcombem@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Mary Holcombe
    Bio
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    Mary Holcombe

    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.

    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.

  • <a href=Wendy Moatz" />
    Wendy Moatz

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

    Apply with
    Wendy Moatz
    Bio
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    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.

  • <a href=Nichole Smith" />
    Nichole Smith

    NMLS # 665295
    (904) 316-5292 
    smithnich@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Nichole Smith
    Bio
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    Nichole Smith

    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.

  • <a href=Darashea "Shea" Williams " />
    Darashea "Shea" Williams

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

    Apply with
    Shea Williams
    Bio
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    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.

  • <a href=Letitia Ray" />
    Letitia Ray

    NMLS # 204834
    (904) 704-9312
    rayl@vystarcu.org
    VyStar Mortgage Loan Officer

    Apply with
    Letitia Ray
    Bio
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    Letitia Ray

    Letitia Ray is located in Daytona Beach, Florida, which includes Volusia County.  She has been in the Mortgage Industry since 2005 with an emphasis on Mortgage Loan Origination. While working in the industry, she would encounter many families with various life challenges that would prevent them from qualifying for a home loan. Wanting a way to help families have a great home loan experience, she volunteered for 3 years with Promiseland home buyers program as a counselor to first-time homebuyers. This gave her the opportunity to teach and empower families on the home loan process.

    Letitia has knowledge in the VA, FHA, Conventional, and Jumbo loan products.  With her expertise in Loan Origination, she welcomes the opportunity to structure a Mortgage loan package tailored to fit your specific needs. 

  • <a href=Steve Strother" />
    Steve Strother

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

    Apply with
    Steve Strother
    Bio
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    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. 

  • <a href=​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.

  • <a href=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!

  • <a href=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.

  • <a href=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.

  • <a href=Holly Yelton" />
    Holly Yelton

    NMLS # 656722
    (904) 302-0853
    yeltonh@vystarcu.org
    VyStar Mortgage Loan Officer Manager

    Apply with
    Holly Yelton
    Bio
    Close

    Holly Yelton

    Holly Yelton has been in the mortgage industry for 30 years in the Jacksonville and surrounding areas. Holly is a native of St. Augustine, Florida and has served on numerous boards. She was elected 2014-15 Chairman of the Board for the St. Augustine Sertoma Club, a local charity assisting St. Johns County residents in need.

    She is a multimillion dollar producer and holds a Florida Mortgage Loan Officer license. Her vast knowledge in Conventional, FHA, VA, Land and Mobile Home loans helps Holly assist VyStar members in finding the best mortgage solution to meet their needs.

    If you would like to speak with Holly Yelton, please call her at (904) 302-0853 or email her at yeltonh@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.

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VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 1 (800) 445-6289
Routing Number 263079276

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