Julie Nicely Back to Mortgage Loan Officers Julie Nicely Senior Mortgage Loan Officer NMLS# 211305 julie.nicely@vacu.org Office: (540) 525-5343 Fax: (804) 267-1433 Hi, I’m Julie, your local mortgage expert.I’ve been in the mortgage industry for more than 26 years, and I take pride in guiding our members through the homebuying or refinancing process. As an experienced mortgage loan officer, I enjoy educating members on the loan options that best fit their needs. I work hard to make the experience as smooth and seamless as possible.I’ve lived in the Roanoke Valley for nearly 40 years. Outside of work, I love spending time with my three grandchildren, working in my garden, and relaxing by the pool. Each year, my family looks forward to our annual vacation at our favorite beach in Isle of Palms, South Carolina. Apply with Julie Access borrower portal Check mortgage rates Why work with a VACU mortgage loan officer?As a local mortgage loan officer, I'm here to help you navigate the home financing process with confidence. Along with my personalized guidance and local expertise, I can assist with:Mortgages for your primary residence, second homes, or investment propertiesNo-closing-cost optionsHome Equity and Home Equity Line of Credit (HELOC) optionsAdjustable-rate mortgagesFirst-time homebuyer loansLow down payment optionsSpecialty loans, including 100%-financing and jumbo loansConstruction and construction-to-permanent loans Services VACU offers: Whether you're new to homebuying or you've done this before, we can help. Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step. Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense. Home Equity Tap into the money you've already invested in your home to cover life's expenses. Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations. Ready to get started?I'm here to help find the right option for your unique situation. Apply with Julie Your Homebuying Knowledge Base See all Article 6 min Home Equity Loan or Home Equity Line of Credit: Which is Best for You? Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Calculator Mortgage Payment Calculator Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Article 4 min Home Improvements That Pay Off Home Article 3 min What Is the Best Mortgage Loan for Me? Home Calculator Home Affordability Calculator Home Article 5 min What to Expect During the Mortgage Process Home Article 4 min Mortgage Rate Lock Explained Home Article 6 min 6 Tips to Navigate an Uncertain Real Estate Market Home Article 4 min Are You Ready to Buy a Home? Home
Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step.
Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense.
Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations.