Home Loans

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ValleyStar offers dependable, full-service home loans with flexible terms. It’s friendly, hometown service from a name you can trust! Whether you are buying or refinancing, contact one of our experienced home loan officers below for direct, personalized assistance with the entire borrowing and closing process.


  • FHA, USDA and VA financing available
  • Rates are very competitive
  • Refinancing current home loan is easy!
  • Loans available in Virginia and North Carolina
  • Make payments within your ValleyStar account
  • Conventional fixed rate mortgages up to 30-year term
  • 1-Yr Adjustable Rate Mortgage (ARM)
  • Various adjustable rate mortgages
  • Land Loans: Fixed and adjustable available

Our Home Loan Officers

For current rates and detailed product information, please call one of our home lending experts below:

Tonya McPeek

Collinsville Office
(276) 352-2000

Anita Jones

Rocky Mount Office
(540) 352-5200 

Alexa Magana

Alexa Magaña

Danville Office
(434) 857-9050

Mary Cline

Martinsville Office
(276) 632-1679

Home Equity Line of Credit

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A home equity line of credit is an excellent way to use the equity in your home to purchase anything you need or want. It’s like having money in your pocket. And, obtaining funds this route allows you to get a much lower rate and greater flexibility as compared to applying for a personal loan.  In many cases, there are even tax benefits.*

Our Home Equity Line of Credit Offers:

  • Flexible spending power with a low variable rate
  • Access to line of credit for up to 10 years
  • Easy transfer of funds to other ValleyStar accounts as needed
  • No prepayment penalties
  • Interest may be tax deductible*

What can you use it for?

  • Make home improvements
  • Consolidate credit card debts
  • Purchase a new or classic auto
  • Purchase a boat and/or jet ski
  • Purchase a camper and/or motor home
  • Purchase a motorcycle and/or ATV
  • Purchase a second home
  • Take a vacation
  • Do whatever you choose!

*Consult with your tax advisor regarding the deductibility of interest.