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Senior Vice President
Residential Lending Department Manager
Office: (804) 435-4133
Fax: (804) 435-7249
Cell: (804) 815-0587
NMLS ID#: 212189
I'd like to personally thank you for your interest in VCB's home mortgage solutions. Our team of home mortgage lending professionals are ready to help you achieve the American Dream of owning your own home.
Below you'll find a complete list of our lending team for the various VCB banking regions. Each individual has provided additional information about themselves so you can get to know them a little better. You'll also find phone numbers and their email addresses to make getting in touch easy.
On behalf of the home mortgage team here at VCB, we look forward to serving you.
Thanks for visiting...
Richmond Residential Lending Manager
Office: (804) 774-7943
Fax: (804) 918-4332
Cell: (804) 652-5628
NMLS ID#: 327622
With over 30 years of residential lending experience in the Richmond area including several years in management, Regina is a seasoned expert in lending.
Regina started her career as a loan processor giving her an even greater understanding of the lending process. She has a passion to help people achieve their homeownership dreams and constantly strives to find solutions to allow them to reach their goals whether it is their first home or forever home.
Regina is involved is several real estate and civic organizations within the community.
From application to closing, Regina applies her extensive knowledge and first class customer service to deliver the best possible experience and allow the customer to focus on the excitement of their new home purchase.
Office: (804) 774-7716
Fax: (804) 308-3146
Cell: (804) 874-6602
NMLS ID#: 1494511
Jodie believes in meeting her clients’ needs and exceeding their expectations. She is a strong believer in making her clients feel heard, valued and comfortable from the first conversation to taking the application, all the way through to closing the loan. She builds trust through honesty and open, informative and prompt communication.
Jodie’s comprehensive experience spans 25 years building long-standing relationships in the community. She appreciates that she maintains many of those relationships today. She has an extensive background in single-family construction and development finance, and mortgage lending. Jodie is a graduate of Radford University and holds a B.S. degree.
“It’s all about the relationship, not just the transaction.”
EXPERTISE: Conventional, Construction Permanent, Land, and Portfolio Loans
Office: (804) 325-3775
Cell: (804) 347-4646
NMLS ID#: 405043
Debra began her career in banking in 1982 and has years of management experience in banking, mortgage and consumer lending. She transitioned to Residential Mortgage Lending in 1991 and has been helping customers achieve their homeownership dreams. She knows the importance of personal communication in today’s world full of technology. She loves to meet with her customers and explain entire process in person and always makes sure her cell phone number is in the hands of her customers.
Debra's expertise is in listening to her customers to determine which product best meets their needs even if the it’s an unusual circumstance.
Office: (804) 518-2651
Mobile: (804) 931-9168
NMLS ID#: 790951
Stephanie Stables began her career in banking 18 years ago and has extensive experience in all areas of banking and mortgage lending. Stephanie served for many years as Branch Manager in Virginia Commonwealth Bank’s Colonial Heights branch. Stephanie is committed to assisting customers with purchasing, refinancing, or building a home while uncompromisingly focusing on delivering an exceptional customer experience. From application to closing, Stephanie is ready to assist you with all of your mortgage needs to ensure your mortgage process runs smoothly and easily.
Robert has over 21 years of experience in the mortgage lending field, with over 10 years managing mortgage departments. Robert specializes in tailoring programs to fit his customers’ needs and VCB’s variety of mortgage programs allows him to do so. Having lived in the City and now in the Northern Neck, Robert can relate to his customers lifestyles and their mortgage needs.
With a background in teaching which includes a Master Degree, his communication with customers makes their home loan process very thorough and less painful. Robert’s motto is “we make your dreams come true”.
EXPERTISE: Conventional Loans, Construction to Permanent Loans, Home Equity Lines of Credit/Loans
Office: (804) 435-4180
Fax: (804) 435-3962
Cell: (804) 436-3241
NMLS ID#: 821253
With working over a decade in the financial services industry, Joe draws on his experiences to ensure that mortgage transactions close as smoothly as possible. Whether you are refinancing, purchasing an existing home, or building your dream home, Joe draws from a vast number of lending products to make sure that his customer’s loans suit their current & future needs.
Joe is a lifelong resident of the Northern Neck, and has a great knowledge of the local area and its properties. He has played a role in retail banking, consumer and real estate lending within Virginia Commonwealth Bank. Joe holds a Bachelor’s Degree in Economics + Business from Randolph-Macon College, and is a Graduate of the Virginia School of Bank Management.
EXPERTISE: Conventional loans, Construction to Permanent lending, Home Equity loans, FNMA, FHA
Cindy Hensley White
Office: (804) 776-1061
Fax: (804) 776-1033
Cell: (757) 206-3900
NMLS ID#: 212230
Cindy is a seasoned mortgage loan officer in the Hartfield office. Cindy has been in the financial industry for 35 years, first in retail banking, then joining mortgage banking in 1995. Cindy has a wide range of experience in Government Loan Programs, Fannie Mae, Freddie Mac, Purchase transactions , Construction loans, Refinances and Equity Lines.
Cindy loves working with people and is committed to offering her clients the right loan program that best suits their financial needs. Cindy believes that communication is the key to a successful transaction and encourages her clients to ask any and every question. “I treat everyone like I want to be treated”.
She will accommodate the client and meet them where and when it is convenient for the client. “This is a people business, therefore we need to be aware of our customer’s needs”. Please contact Cindy to discuss your loan request, she will do her absolute best to make the transaction smooth and enjoyable. “The best compliment I can receive is a referral!”
Senior Vice President
Office: (804) 493-8061
Fax: (804) 493-8074
Cell: (804) 761-6993
NMLS ID#: 556623
With 19 years residential lending experience, I have a thorough understanding of the lending process from origination to close. As your lending partner, I am hands on with you from application, to attending your closing and your contact for loan assistance after.
Representing a community bank has given me the unique opportunity to focus on the full service “relationship” with our borrower. I view myself as an educator and problem solver, looking at the customer’s total financial picture and then applying our programs and services to offer lending options that best serve the borrower needs. We have FNMA, government and in-house options to accommodate almost every lending scenario, both conventional and Jumbo.
Having also resided in the NN area for 19 years, I have an understanding for the needs of our rural area and community bank region. I have had years of working experience with our appraisers, settlement agents, realtors, builders and other affiliates associated with the lending process.
EXPERTISE: Conventional FNMA and in-house programs, Jumbo Loans, Conventional & Jumbo Construction/Perm and first-time homebuyers.
Monday-Friday: 9:00 a.m. - 5:00 p.m.
Monday-Friday: 9:00 a.m. - 2:00 p.m.
Monday-Friday: 8:30 a.m. - 5:00 p.m.
Saturday: 9:00 a.m. - 12:00 p.m.
Monday through Thursday 9:00 AM - 5:30PM
Friday 9:00 AM - 6:00 PM
By appointment only
Monday-Thursday: 10:00 a.m. - 2:00 p.m.
Friday: 12:00 p.m. - 4:00pm
Monday through Thursday 9:00 AM - 5:00PM
Monday-Friday: 8:00 a.m. - 5:00 p.m.
Monday through Friday 9:00 AM - 5:00PM