Legal
Licensing & Disclosures
Last updated: August 14, 2026
Company licensing
Veterans Direct Mortgage originates loans through Client Direct Mortgage (Mortgage Solutions FCS, Inc. dba Client Direct Mortgage), NMLS #1065732. Verify company licensing on NMLS Consumer Access and on the Client Direct Mortgage licensing page. Licensing status is subject to change; NMLS Consumer Access is the authoritative real-time record.
Licensed jurisdictions (35)
Residential mortgage loans are originated in the following jurisdictions:
- Alabama
- Arizona
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Idaho
- Illinois
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Michigan
- Minnesota
- Mississippi
- Montana
- Nebraska
- New Jersey
- North Carolina
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
- West Virginia
- Wyoming
Individual loan officers are licensed in specific states — confirm with your loan officer that they are licensed where you are buying.
Loan officer credentials
- Renaldo WilsonNMLS #1921615 · CA DRE #02096459
- Javier MarinoNMLS #1572975 · CA DRE #02084405
- Jeffrey WyttenbachNMLS #2141392
- Javaze Lanier McDonaldNMLS #2781836
- Cesar ArciniegaNMLS #2858984
Equal Housing Opportunity
We are committed to Equal Housing Opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, sexual orientation, gender identity, or because income derives from public assistance.
No VA affiliation
Veterans Direct Mortgage is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs or any government agency. VA loans are made by private lenders and guaranteed by the VA.
Texas consumers
Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website.