Judy A. Sams


Judy Sams

Sr. Mortgage Consultant
NMLS: 479402

115 West Benson Street
Cincinnati, Ohio 45215

Cell: 513.680.3335

Office: 513.868.5363

Fax: 513.821.3345

Email: jsams@valleycentral.org



Whether you are purchasing or refinancing your home Valley Central Bank has a wide range of Loan Programs available to meet your family needs.  Our experienced Mortgage Consultants will not only guide you through the mortgage loan process but they will provide you with financing options for you to review and assist you with the program that best fits your needs.

This site has a variety of resources and easy to use tools to give you knowledge to the homebuying process that you are about to embark on.


Our online application is a quick and easy process. Please complete as much of the application as possible. Upon completion I will review the application and start working on your Pre-Approval and putting your loan options together for you to review.