Ruth began her career at Valley Farm Credit in 1993 after teaching Agriculture Education in the Frederick County School System for three years. Ruth was raised on her family's farm in Loudoun County, and now resides in Clearbrook, VA with her husband and three sons. 

Ruth's commitment to her customers and strong work ethic allow her to serve as Vice President and Winchester Branch Manager while putting her customers first as a Mortgage Consultant.  Ruth was the top CHM Originator in 2003, with over $28 Million in local mortgages.

Because of Ruth's attention to detail and great customer service, a customer of Ruth's is a customer for a lifetime.

Ryan Clouse
Mortgage Consultant/
Business Development
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Ryan began work with Valley Farm Credit/Country Home Mortgage in 1999 upon graduation from Virginia Tech with degrees in horticulture and business. Ryan was raised on his family's Christmas Tree farm in Frederick County and has experience in the horticulture industries in Florida and Oregon. Ryan and wife Mandy have twin daughters.

Ryan's goal is to provide outstanding customer service for association borrowers. A house or real estate purchase is the most significant investment for many individuals. Ryan listens to his customers to find the loan program that best fits their needs.

Other activities Ryan is involved with include the FFA Alumni, Business Networking International (BNI), and church. Ryan's past times include travel, gardening, cooking, hunting, and fishing.

DeEtra "Dee" Warchola
Mortgage Consultant
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Born and raised in the Shenandoah Valley, Dee graduated from Clarke County High School and attended West Virginia University where she graduated with a degree in marketing in 1992.

Prior to joining Valley Farm Credit & Country Home Mortgage, Dee had a lengthy tenure in hospitality sales and marketing and has three years of lending experience.

Dee credits her experience in the hospitality industry with teaching her the importance of customer service. “If we don’t take care of the customer, someone else will,” she says. “It amazes me that some businesses just don’t get it. I like to think that I practice what I preach and take the time to really work with customers to help them understand the process as well as how their credit affects lending decisions. And if I can’t help them now, I tell them what they need to do to get back on track and that has definitely paid off. People remember that.”

Dee lives on a small farm in Clearbrook with her husband Jake, where they maintain a large garden and cattle on seven acres. In her free time, Dee stays busy with her two young daughters, Rylee & Lexie. She also has a step-daughter, Sarah, who attends Ohio State University. Dee also enjoys reading the latest James Patterson or John Grisham novel, and of course, faithfully cheering on her Mountaineers.

Marcia Blaylock
Mortgage Consultant
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Being born and raised in Berkeley County, Marcia is extremely familiar with the territory she serves.  She has worked in the financial services area for over 25 years and prides herself on the personalized customer service that she provides each and every customer.

Marcia is also  very community minded, and she has served on the board of directors of various non-profit organizations, including past president of the United Way of Berkeley and Morgan Counties.

Marcia and her husband live on a farm in the Hedgesville, WV area where they enjoy raising thoroughbred horses. updated: 1/20/06

Jeanie Hamilton
Mortgage Consultant
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Jeanie began her career at Valley Farm Credit/Country Home Mortgage in 2002, after completing 10 successful years in the commercial banking industry. Jeanie has extensive experience in all phases of mortgage lending, including originating, processing and closing. Jeanie has a Bachelors degree in Business Administration from Shepherd College.

A life-long area resident, Jeanie grew up in Berkeley County and moved to Jefferson county about 8 years ago, where she currently lives with her husband and two sons. Jeanie stays quite active in the community through participating in the Jefferson County Chamber of Commerce, Jefferson County School Business Partnership, 4-H, and Bedington United Methodist Church.

Jay Redick
Mortgage Consultant
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Jason Wisecarver
Mortgage Consultant
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Jeff Michael
Senior Vice President
Residential Lending Division
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Jeff came to Valley Farm Credit/Country Home Mortgage in 1993, after an 8-year career in Real Estate.  A Morgan County native, Jeff now resides in Berkeley County, WV. 

As the leader of the Country Home Mortgage staff, Jeff stays busy traveling between the offices, training staff members on new loan programs, new business development, and the day-to-day operations of the Division. 

In his spare time, Jeff enjoys spending time with his wife and three sons.  Jeff is active in his church and serves on the financial counseling ministry committee and stewardship committee.  Jeff also serves on the Board of Faith Christian Academy where his children attend.