Contact a Mortgage Loan Officer

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.

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.

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.

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.

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. 

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 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.

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.