Mortgage Loan Officers

NMLS# 658800
(904) 655-3091
bairdj@vystarcu.org

John Baird is a mortgage loan originator with more than 20 years of experience in building relationships, developing and implementing marketing strategies and providing high-quality customer service to ensure every transaction is handled with the proper care. He specializes in conventional mortgage programs, including FHA and VA loans.

John originates mortgages in VyStar’s footprint while maintaining and monitoring existing clients, many of whom are realtors, builders, financial advisers, CPAs, attorneys and doctors. With an in-house operations staff that includes local processors, underwriters and closers, John and his team are prepared to guide you from the loan application process to the closing table.

If you would like to speak with John Baird, please call him at (904) 655-3091 or email him at bairdj@vystarcu.org. He will be happy to meet with you at any branch location at a time that is convenient for you.

NMLS# 1531008
(904) 402-1147
chevalierJ@vystarcu.org

James “CJ” Chevalier prides himself on providing friendly service and timely communication for his mortgage lending clients. His clients appreciate him for his knowledgeability across a breadth of mortgage products and his pertinent advice on the best solution to suit their unique needs. He has helped first-time home buyers, families looking to refinance, and veterans alike. James is proficient with Conventional, VA, FHA, Jumbo, Land and Home Equity mortgage loan products.

If you would like to speak with James Chevalier, please call him at (904) 402-1147 or email him at Chevalierj@vystarcu.org. He will be happy to meet with you at any branch location at a time that is convenient for you.

NMLS# 1392897
(904) 312-3388
oshieldsc@vystarcu.org

Chris O’Shields started his career in finance and mortgage in 2015. As a US Army Veteran, Chris has always understood the importance of reliability and teamwork, and hard work and dedication. His ability to connect and relate to members, as well as the ability to think outside the box, has earned him a stellar reputation amongst his member base and team. Chris will help you choose the right product for your needs among VyStar’s selection of affordable loans with flexible term.

NMLS # 348360
(305) 962-4197
johnsond4@vystarcu.org

Donna has been making home ownership possible for over 25 years. Donna is a knowledgeable mortgage professional and specializes in all types of residential loan products including first time home buyer, conventional, jumbo, FHA, VA, lot, and Construction-Perm loans as well as second mortgages and home equity lines of credit. Whether you are buying, or building your first home, or refinancing a home that you already own, Donna will guide you through the process from start to finish.

Her attention to detail is exceptional and along with her team of local processing, underwriting, and closing professionals, will ensure that your loan experience will run smoothly from application to closing. Donna is happy to meet you virtually or in person.

NMLS# 1761684
(904) 327-7720
moriand@vystarcu.org

Derrick Morian began his journey in the finance and mortgage sector in 2018. Drawing from his experience in Sales and Customer Service, Derrick values the significance of dependability, collective effort, and unwavering commitment. His knack for establishing rapport with clients and his innovative problem-solving skills have garnered him widespread respect among his clientele and colleagues. Derrick is dedicated to guiding you through VyStar's diverse range of economical loans with adaptable terms to find the perfect fit for your financial requirements.

NMLS# 390534
(904) 742-9707
pirronem@vystarcu.org

Mike Pirrone is a seasoned Mortgage Loan Officer with a decade of experience in the industry. Mike's journey began in 2010 when he started his career at a local credit union. Over the years, he cultivated his expertise in both the retail and broker sectors, acquiring invaluable knowledge and skills along the way. With Mike’s extensive experience in the mortgage industry and his deep-rooted connection to the Jacksonville community, he is more than just a Mortgage Loan Officer – he is your trusted partner in realizing your homeownership dreams. Whether you are a first-time buyer or a seasoned investor, Mike is committed to guiding you through every step of the mortgage process with integrity, expertise, and personalized attention. Discover the difference that Mike Pirrone, your dedicated Mortgage Loan Officer, can make in your journey to homeownership. Contact him today and let’s turn your dreams into reality.