Disabled Veteran-Owned · VA Loan Specialists
Founded by two veterans — Renaldo Wilson, U.S. Marine Corps, and Javier Marino, U.S. Army. After years competing against each other in the mortgage business, they teamed up to serve the community they came from: clear guidance, honest numbers, and the benefit you earned put to work.
USMC Retired
Disabled Veteran-Owned
VA Loan Specialists
Veteran-Focused Service
Renaldo Wilson · Javier Marino
Co-Founders · VA Loan Specialists
U.S. Marine Corps & U.S. Army Veterans
We Make It Simple
VA loans offer powerful benefits that can save you thousands and open the door to homeownership. We'll guide you every step of the way.
Learn More About VA Loans
Buy your dream home with $0 down and competitive rates.
Access your home equity with a VA cash-out refinance.
Lower your interest rate and monthly payment.
Finance your home purchase and renovations with one loan.
It's fast, free, and there's no obligation.
Ready to apply for real? Start your secure application →
Meet the Co-Founders
Renaldo Wilson and Javier Marino competed against each other in the mortgage business before teaming up to build Veterans Direct Mortgages — a mortgage experience made specifically for veterans, active-duty service members, and military families.
Renaldo Wilson
U.S. Marine Corps Veteran · Co-Founder
A U.S. Marine Corps veteran, loan officer, and Realtor, Renaldo built the company around an education-first approach — walking veterans through eligibility, entitlement, buying power, and cash-to-close so confusion is replaced with a practical plan.
Meet Renaldo →
Javier Marino
U.S. Army Veteran · Co-Founder
A U.S. Army veteran and mortgage broker, Javier developed the structured one-on-one VA loan consultation conducted over Zoom — how the VA loan works, estimated payments, and what happens next, made easy to understand.
Meet Javier →
Service
Veterans serving veterans. We understand because we've been there.
Integrity
Clear answers. No games. No surprises.
Experience
VA financing expertise from a team that understands the benefit.
Mission
Helping more veterans use the home loan benefits they've earned.
In Their Words
Veterans Direct Mortgages launched in 2026. The reviews below are for Renaldo Wilson's work as a licensed loan officer, published in his clients' own words and reproduced here unedited.
I had an excellent experience working with Mr. Renaldo Wilson. From start to finish, he was extremely professional, knowledgeable, and dedicated to making the home-buying process as smooth as possible. His expertise with the VA home loan was outstanding, and he took the time to explain everything clearly, making what could have been a stressful process feel simple and straightforward. Mr. Wilson consistently went above and beyond to ensure all of my questions were answered and that every detail was handled properly. His communication was excellent, and his commitment to providing top-notch service was evident throughout the entire process.
Quintan Dennis
Working with our loan officer was such an amazing experience from start to finish. Buying a house can feel overwhelming, but he made the entire process smooth, clear, and stress-free for us. He was always quick to answer questions, incredibly patient, and took the time to explain every step so we felt confident and informed the whole way through. We are so grateful for all of his help and would absolutely recommend him to anyone looking to buy a home. Thank you for making our first home-buying experience such a positive one!
Han Luu
Fantastic loans officer! As a Realtor, I've ushered well over 50+ loans to Renaldo YTD. He has not disappointed me in over a decade of working with him. On time, direct and fair. I highly recommend Renaldo as your next lender to buy a home. Solid dude!
William King
Referring Realtor
As first time home buyers, Ronaldo was extremely helpful and made sure we got exactly what we wanted. He made the process very smooth and easy. Thank you so much from the Egerton's.
Malik Egerton
Licensed & Accountable
We originate under Client Direct Mortgage, NMLS #1065732. Our licenses, our loan officers’ individual NMLS numbers, and the states we serve are all public record — and linked below rather than asserted.
VA loans with some of the lowest rates available.
Buy a home with zero down using your VA benefit.
No private mortgage insurance with VA loans.
Licensed where we lend — see the full list on our licensing page.
