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We are your local mortgage experts!

We offer extensive knowledge of the communities we serve while processing your loan locally. And, virtually all of our Mortgage Loan Officers reside in the communities they work within. We take great pride in being your neighborhood Credit Union!


  • We have any home loan you need:  Fixed Rate, ARMs, Jumbo, FHA/VA, USDA, and many more!
  • No down payment and low down payment loans available.
  • Loans are processed and approved locally (in most cases).
  • Very competitive rates with origination fee half of most banks.
  • Make payments and access mortgage loans and related tax documents on ValleyStar Online and Mobile Banking.
  • First time home buyer solutions and guidance.

Our Mortgage Loan Officers

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

Mary Cline

Martinsville Office
NMLS# 545519
800-475-6328 x1124

Melissa Stankov

Melissa Stankov

Roanoke Office
NMLS# 691757
800-475-6328 x2701

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.