The team behind your VA loan

Renaldo Wilson is a U.S. Marine Corps veteran, Mortgage Loan Officer, Realtor, and co-founder of Veterans Direct Mortgages — a company built to help veterans and active-duty service members confidently navigate the path to homeownership.

After transitioning from the military and establishing himself in both real estate and mortgage lending, Renaldo saw a major gap in the home-buying process. Too many veterans were either unaware of the benefits available to them or had received incomplete and inaccurate information about how the VA loan works. Some believed they needed a large down payment. Others assumed their credit, income, or previous use of the VA loan automatically prevented them from buying. Many simply didn't know where to begin.

That is why he helped build the company around an education-first approach. Through a structured, one-on-one VA loan consultation, Renaldo walks veterans through eligibility, entitlement, buying power, estimated monthly payments, cash-to-close, credit considerations, and available financing strategies — replacing confusion with a practical plan for moving forward.

As both a loan officer and a Realtor, Renaldo knows that securing financing is only one part of becoming a homeowner. Veterans also need someone who understands the housing market, contract negotiations, VA appraisal requirements, seller concerns, and how to structure a competitive offer.

Outside of mortgage lending and real estate, Renaldo is a devoted father, mentor, and youth basketball coach, passionate about his faith, his family, and creating opportunities for the next generation.

After transitioning out of the military, Javaze noticed a gap that mirrored what he had seen in the service: people making major decisions without fully understanding what they were signing up for. In the mortgage world, that shows up as clients chasing the lowest rate without understanding the actual financial implications of the decision in front of them.

That is the problem he built his business to solve. His approach — "learn before you borrow" — puts education before the sale. Rather than rushing clients to a pre-approval letter, he walks them through what the numbers actually mean, what their options are, and what the decision in front of them will really cost or save them over time.

Javaze focuses on VA and FHA loans for veterans and first-time buyers, along with conventional and investment lending. He also works alongside family law attorneys to help clients understand the financial implications of housing decisions during major life transitions such as divorce — a lane most loan officers overlook entirely.

For Javaze, this work is personal. It is about making sure the people he serves, especially fellow veterans, are not left to figure out one of life's biggest decisions on their own.

Savanna Damato is a Loan Partner with Veterans Direct Mortgages, with more than six years of experience across the mortgage and real estate industries. She has worked from nearly every angle of the business — Loan Officer Assistant, processor, recruiting, licensed real estate agent, and supporting companies as they build stronger teams, systems, and operations.

That range gives her a clear understanding of what happens behind the scenes of a successful transaction: the importance of a well-structured file, clear communication, strong processes, and anticipating problems before they become obstacles. Working closely with loan officers, borrowers, real estate professionals, and internal teams has taught her how interconnected every part of a transaction truly is.

One of the parts of her role she values most is supporting loan officers with their files so they can spend more time doing what they do best: building relationships, serving their clients, and growing their business. Detail-oriented, solution-driven, and proactive, she believes great support means understanding the bigger picture and staying ahead of the process.

Eulizes Montalvo is a retired U.S. Army First Sergeant who served 22 years before retiring in 2024. Today he works as a mortgage loan originator with Veterans Direct Mortgages, where he focuses on helping service members and veterans make informed decisions about homeownership.

His Army career gave him deep experience in leadership and administration, and those same skills shape how he approaches lending. He saw that many veterans and active-duty families struggle to move forward with a home purchase — not because they lack benefits, but because the process often feels confusing or poorly explained.

Eulizes works to change that. He takes time to walk clients through the full picture: how the VA loan actually works, what they can realistically afford, what costs to expect at closing, and which options fit their situation. The focus is on clear information and a practical plan, not just a quick pre-approval.

Outside of work, Eulizes is a husband and father. The values that guided him through more than two decades of military service — responsibility, preparation, and looking out for others — guide how he serves his clients and his family.