U.S. Army Veteran
Eulizes Montalvo
Mortgage Loan Originator
- VA Purchase Loans
- First-Time Buyers
- PCS Relocations
- NMLS
- Pending
- Jurisdictions
- 35
- Down Payment
- $0
Contact Eulizes
Goes directly to Eulizes — no call center, no round-robin. Free, and it won't affect your credit score.
About Eulizes
Why work with Eulizes
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.
Licensing verifiable on NMLS Consumer Access. Loans originated through Client Direct Mortgage, NMLS #1065732 — see Licensing & Disclosures.
Where They Help Most
What Eulizes works on
VA Purchase Loans
Buying with the benefit you earned — $0 down, no monthly mortgage insurance, and a funding fee that's waived entirely for veterans with a service-connected disability rating.
Learn more →First-Time Buyers
No prior homeownership required and no minimum credit score set by the VA. Residual-income underwriting often approves military families a generic bank calculator turned away.
Learn more →PCS Relocations
Buying on orders, against a report date. Remote closings, powers of attorney, and BAH counted correctly for the duty station you're moving to — not the one you're leaving.
Learn more →What Happens Next
Working with Eulizes
01
First call
Where you are, where you're going, what the timeline looks like. No script, no pressure, no credit pull.
02
Real numbers
Pre-approval with honest math — BAH counted, funding fee handled correctly, a payment you can trust when you write the offer.
03
Clear to close
Appraisal, underwriting, and the VA-specific details that keep a file on schedule instead of on hold.
04
After the keys
Rates drop, we flag your IRRRL. PCS orders land, we run the rent-vs-sell math. The benefit is for life.
Straight Answers
Before you reach out
Will I actually work with Eulizes?
Yes. The form on this page goes to Eulizes directly — not a shared queue or a round-robin. Eulizes's direct line is (714) 917-7434.
Does it cost anything to talk?
No. Conversations, pre-approvals, and every calculator on this site are free, and reaching out does not affect your credit score.
Can you help if I'm still active duty?
Yes — much of this work is active-duty buyers qualifying on BAH, buying ahead of a PCS report date, or closing with a power of attorney mid-deployment.
What if I've been turned down before?
Bring the file. The VA sets no minimum credit score, and residual-income underwriting approves military families a generic bank calculator often rejects. If it doesn't pencil, you'll be told straight — and told what would change the answer.
The Rest of the Team
Prefer someone else?
Every officer here is a licensed VA specialist with a direct line. Pick whoever fits — the file goes to the person you choose.
