NMLS # 371871 (904) 403-6303 holcombem@vystarcu.org VyStar Mortgage Loan Officer
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.
NMLS# 623211 (904) 403-6314 moatzw@vystarcu.org VyStar Mortgage Loan Officer
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.
NMLS # 665295 (904) 316-5292 smithnich@vystarcu.org VyStar Mortgage Loan Officer
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.
NMLS # 30972 (904) 629-7176 williamsda@vystarcu.org VyStar Mortgage Loan Officer
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.
NMLS # 1583502 (904) 707-4020 strothers@vystarcu.org VyStar Mortgage Loan Officer
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.
NMLS # 802562 (904) 631-7991 wormelyy@vystarcu.org VyStar Mortgage Loan Officer
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.
NMLS # 1064447 (904) 428-9153 spencerm@vystarcu.org VyStar Mortgage Loan Officer
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:
Call Mary Spencer today and let her be your trusted Mortgage Loan Officer!
NMLS # 1534456 (904) 401-4894 craycraftJ@vystarcu.org VyStar Mortgage Loan Officer
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.
NMLS # 415193 (904) 420-8733 johnsonki@vystarcu.org VyStar Mortgage Loan Officer
“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 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 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 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.
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.