Hello. My name is Mark Anderson (NMLS #2068383). I’m a United States Marine Corps veteran, and I’m a licensed Mortgage Loan Originator in Alabama and Georgia, but can refer through my link for any state. I’m a Loan Originator with Morty. Morty is a broker/wholesaler, which gives me access to a plurality of lenders that offer a variety of products. This increases the likelihood of me being able to find you a suitable product with more favorable rates on your next home purchase or refinance.

No matter what state you live in, you can use my link to fill out the application by CLICKING HERE.

If you have any questions, feel free to contact me. CLICK HERE TO GO TO THE CONTACT PAGE.

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The Ultimate Guide for Veterans, Active-Duty, Guard & Reserve
✅ Who Qualifies
Active-Duty: 90+ continuous days
Veterans: 90 days wartime / 181 days peacetime (most eras)
National Guard & Reserves: 6 years of service, OR 90 days under Title 32 (after 8/1/2021)
Surviving Spouses: Un-remarried spouse of a service member who died in service or from a service-connected disability
Need a Certificate of Eligibility (COE) — I can pull this in minutes
💰 The Big Benefits
Feature VA Loan Conventional
Down Payment $0 3–20%
PMI / MI None, ever Required <20% down
Credit Score Floor No VA minimum (lenders ~580–620) Usually 620+
Funding Fee 1.25%–3.3% (financeable) N/A
Seller Concessions Up to 4% Usually 3%
Loan Limits No cap with full entitlement Conforming caps
Assumable Yes (huge in high-rate markets) Rarely
🧾 The Funding Fee (2024)
First use, 0% down: 2.15%
First use, 5%+ down: 1.50%
First use, 10%+ down: 1.25%
Subsequent use, 0% down: 3.30%
WAIVED entirely for vets with service-connected disability rating, Purple Heart recipients, and qualifying surviving spouses
🏠 What You Can Buy
Single-family home
Condo (must be VA-approved)
Multi-unit up to 4 units (must live in one)
Manufactured home (on permanent foundation, lender-dependent)
New construction
❌ Not for investment-only or vacation homes
📋 Documents to Have Ready
DD-214 (or Statement of Service if active)
Certificate of Eligibility (COE)
2 years W-2s / tax returns
30 days pay stubs
2 months bank statements
Photo ID
⚡ VA Loan Myths — Busted
❌ “VA loans take forever.” → ✅ Avg close in 40–50 days, similar to conventional
❌ “Sellers hate VA offers.” → ✅ A strong offer with good agent presentation wins
❌ “You can only use it once.” → ✅ Reusable entitlement — restore after sale or even use twice at once
❌ “VA appraisals kill deals.” → ✅ MPRs protect you — and most issues are minor
🔁 Bonus Strategies
VA IRRRL (Streamline Refi): Lower your rate with no appraisal, no income docs, minimal paperwork
VA Cash-Out: Up to 100% LTV — highest in the industry
Second-Tier Entitlement: Buy a new VA home before selling the old one (PCS-friendly)
Assumable loans: Sell your 3% rate home to another vet — massive selling point
📞 Ready to Use Your Benefit?
You earned this. Let’s put it to work.

Mark Anderson — VA Loan Specialist
NMLS #2068383 • • [Email] •
Equal Housing Lender