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Residential Mortgage & Construction Loans

Whether you're building, buying or refinancing your home, you'll find Valley Bank Mortgage Lending Specialists to be helpful, flexible and fast! We offer a full range of mortgage loan options to meet your needs, and our service commitment is second to none.

We are pleased to announce that on July 1, 2015, we will be merging with Bank of North Carolina, known as BNC Bank in the South Carolina and Virginia regions.   Our name will change to BNC Bank in Virginia; however the mortgages officers that you have trusted and depended on in the past will remain the same.  If you wish to apply for a mortgage please click on the link below to be redirected to the Bank of North Carolina website, search for one of our great mortgage specialist, and get started today!

 BNC Bank Mortgage


Steve Reeves Residential Mortgage

Stephen Reeves
Senior Vice President/
Director of Mortgage and Equity Lending

Contact Me
NMLS# 614002

Cyndi Beach Stultz Residential Mortgage Loans

Cyndi Beach Stultz
Vice President/Mortgage Banking Officer
Contact Me
NMLS# 659514
About Me

Yvette Kahn Ewers Residential Mortgage Loans

Yvette Kahn Ewers
Assistant Vice President/
Mortgage Banking Officer

Contact Me
NMLS# 613996
About Me

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Angie Apgar Residential Mortgage Loans

 Angie Apgar
Assistant Vice President/
Mortgage Banking Officer

Contact Me
About Me
Donna Vaught Residential Mortgage Loans

Donna B. Vaught
Assistant Vice President/
Mortgage Banking Officer

Contact Me
NMLS# 659528
About Me

Amy Lowman Residential Mortgage Loans

Amy D. Lowman

Mortgage Banking Officer
Contact Me
NMLS# 903075
About Me


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Contact Yvette Kahn Ewers, Angie Apgar, Cyndi Stultz, Stephen Reeves, Donna B. Vaught, or Amy Lowman to obtain more information about these Valley Bank Loan Options:

  • Conventional Financing
  • Jumbo ARM Conforming Mortgages
  • Jumbo Mortgages
  • Libor Jumbo ARM Mortgages
  • FHA and VA Mortgage Loans
  • Special Mortgage Program: 80/10/10 Financing
  • Physicians Mortgage Program
  • Lot Loans
  • Construction Loans
  • Bridge Loans available on existing homes
  • USDA 100% Financing - subject to property and Customer Qualification

Contact us today!

Subject to credit approval.

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One of our Mortgage Officers can custom tailor a loan package to meet your requirements and special circumstances.

West Village
3565 Electric Road - Suite J
Roanoke, Va.  24018
Fax:  540-777-4075
(Upper Level)

Hours of Operation:

Monday through Friday - 8:30 a.m. to 5:00 p.m.

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