Veterans Direct Mortgage

Veteran-Owned · Veteran-Operated

The team behind your VA loan

Every file here is handled by people who understand military life firsthand — because the benefit you earned deserves more than a call center.

5

Licensed Loan Officers

35

Jurisdictions Served

$0

Down Payment

Zero

Call Centers

Proudly serving those who served — every branch, every era

  • Army
  • Marine Corps
  • Navy
  • Air Force
  • Space Force
  • Coast Guard
  • National Guard & Reserve

Built by Veterans, for Veterans

Two competitors. One realization. A better way to serve.

Veterans Direct Mortgage was founded by U.S. Marine Corps veteran Renaldo Wilson and U.S. Army veteran Javier Marino — two experienced mortgage and real estate professionals united by a shared mission: to serve veterans and active-duty military families with the education, honesty, and guidance they deserve.

With a combined 16 years in the real estate and mortgage industries, Renaldo and Javier spent years building their careers as competitors. Along the way, they both recognized the same problem: too many veterans were receiving incomplete information, being placed into the wrong loan programs, paying unnecessary fees, or missing opportunities because no one took the time to properly explain their VA home loan benefit.

They ultimately realized they could make a greater impact working together than competing against one another. Veterans Direct Mortgage was created from that decision.

Their approach goes beyond issuing a pre-approval letter. Every client receives personalized guidance covering VA eligibility, entitlement, credit, income, buying power, estimated payments, cash-to-close, available strategies, and the steps required to successfully purchase a home.

As veterans themselves, Renaldo and Javier understand the importance of preparation, accountability, clear communication, and taking care of the people beside them. Those principles are at the center of every client relationship and every loan this team handles. Whether assisting a first-time homebuyer, an active-duty family preparing for a PCS or EAS, or an experienced veteran purchasing another property, the mission stays the same: simplify the process, protect the veteran’s interests, and provide a clear path toward homeownership.

Here, veterans are not treated like transactions. They are treated like members of the team.

Two veterans. One mission. A better way to serve.

Renaldo Wilson, Co-Founder & VA Loan Specialist at Veterans Direct Mortgage

U.S. Marine Corps Veteran

Renaldo Wilson

Co-Founder & VA Loan Specialist

NMLS #1921615·CA DRE #02096459

A U.S. Marine Corps veteran and experienced mortgage and real estate professional, Renaldo co-founded Veterans Direct Mortgage on a simple conviction: the veterans who earned the VA loan benefit deserve a lender who has lived the life behind it — education, honesty, and guidance first.

PCS timelines, BAH math, deployment closings, disability-rating exemptions — these aren't edge cases to a veteran-led team; they're the everyday work. Renaldo built this company to handle them the way a fellow service member would: straight answers, honest numbers, and no runaround.

  • VA Purchase Loans
  • VA IRRRL Refinance
  • First-Time Military Buyers
  • PCS Relocations
Javier Marino, Co-Founder & VA Loan Specialist at Veterans Direct Mortgage

U.S. Army Veteran

Javier Marino

Co-Founder & VA Loan Specialist

NMLS #1572975·CA DRE #02084405

A U.S. Army veteran, Javier co-founded Veterans Direct Mortgage after years competing against Renaldo in the mortgage business — and realizing they could serve veterans better together than apart. His lane: putting the VA benefit to work from first pre-approval question to closing table, with clear numbers and a process that respects your timeline.

  • VA Purchase Loans
  • First-Time Buyers
Jeffrey Wyttenbach, VA Loan Officer at Veterans Direct Mortgage

VA Loan Team

Jeffrey Wyttenbach

VA Loan Officer

NMLS #2141392

Jeffrey works the details that make VA deals close — entitlement questions, funding-fee exemptions, appraisal timelines — so buyers always know exactly where their loan stands.

  • VA Purchase Loans
  • VA IRRRL Refinance
Javaze Lanier McDonald, VA Loan Officer at Veterans Direct Mortgage

VA Loan Team

Javaze Lanier McDonald

VA Loan Officer

NMLS #2781836

Javaze guides military families through the buying process with straight talk and steady communication — the kind of follow-through that turns a stressful move into a done deal.

  • VA Purchase Loans
  • PCS Relocations

VA Loan Team

Cesar Arciniega

VA Loan Officer

NMLS #2858984

Cesar keeps VA deals moving — responsive from the first question to clear-to-close, with the patience to walk first-time buyers through every step of the benefit they've earned.

  • VA Purchase Loans
  • First-Time Buyers
Veterans Direct Mortgage founder Renaldo Wilson with loan officer Javier Marino in front of the American flag

One team, one mission: the benefit you earned, done right.

The veterans who earned this benefit deserve a team that has lived the life behind it. That’s the whole reason we exist.

Renaldo Wilson · Co-Founder · U.S. Marine Corps Veteran

Our Promise

What veteran-led actually means

Veterans Serving Veterans

Our loan officers have worn the uniform or served the military community — PCS moves, BAH, and deployment timelines are lived experience, not training modules.

Straight Answers

You get the real numbers — rate, fee, payment, and whether the deal actually pencils — the way you'd want it from a fellow service member.

VA-First, Always

The VA loan isn't a product on our shelf; it's the mission. Every tool, page, and conversation here is built around maximizing the benefit you earned.

There After Closing

Rates drop? We flag your IRRRL moment. PCS orders? We help you run the rent-vs-sell math. A VA loan is a lifetime benefit — we treat the relationship the same way.

Working With Us

Four steps, zero runaround

01

Mission Brief

A straight conversation about where you are — duty station, timeline, entitlement, goals. No scripts, no pressure.

02

Real Numbers

Pre-approval with honest math: BAH counted, funding fee handled, payment you can trust when you write the offer.

03

Clear to Close

We run the file on PCS time — appraisal, underwriting, and the details that make VA deals land on schedule.

04

After the Keys

Rate drops flagged for your IRRRL. PCS-out rent-vs-sell math. The benefit is lifetime; so is the relationship.

Straight Answers

Questions veterans ask us

Will I actually work with the person on this page?

Yes — the loan officer you choose is the person on your file, with their direct phone and email published right here. No call centers, no handoffs to strangers.

Does it cost anything to talk to the team?

No. Conversations, pre-approvals, and every calculator on this site are free. You pay nothing to find out exactly where you stand.

Can you help me if I'm still active duty?

Absolutely — much of our work is active-duty buyers using BAH to qualify, buying before PCS arrival on orders, or closing with a power of attorney mid-deployment.

What if I've been told 'no' before?

Bring us the file. The VA sets no minimum credit score, and residual-income underwriting often approves military families a bank's generic calculator turned away. If it doesn't pencil, we'll tell you straight — and tell you what would change the answer.

Put Us to Work

Start with the numbers, finish with a person

Run your scenario in our free VA loan calculators or find your duty station’s guide in VA loans by state — then bring the numbers to us and we’ll make them real.

Talk to someone who’s been in your boots