VA Loan Specialist · Woodbridge, VA
Veterans: Put Your VA Home Loan Benefits to Work — With $0 Down.
You earned these benefits serving our country. I help veterans and military families across Northern Virginia use them to buy homes with zero down payment, no monthly PMI, and a guide who speaks fluent VA.
VA Loan Programs
Every Way Your VA Benefit Can Work for You
Purchase, refinance, or tap your equity — structured around your service, not a bank's overlays.
$0-Down VA Purchase
Buy your primary home with zero down payment and zero monthly PMI — the most powerful benefit you earned.
Learn more →VA IRRRL Streamline
Lower your rate and payment fast — minimal paperwork, and usually no appraisal or income verification.
Learn more →VA Cash-Out Refinance
Access up to 100% of your home's equity to consolidate debt, renovate, or build savings.
Learn more →PCS & Relocation
Orders to Quantico or the NOVA corridor? VA financing built around military timelines and BAH.
PCS guide →Learn in 60 Seconds
VA Tips, Straight From Your Lender
No jargon, no 40-minute webinars. Short videos answering the VA questions veterans actually ask — new ones post automatically from YouTube.
Why Veterans Choose Markita
A Lender Who Actually Specializes in VA
Most loan officers do a VA loan now and then. VA is the mission here — and education is the method.
Education First
Published author, NAREB Educator Award recipient, PWAR Educator of the Year, and an experienced VHDA trainer. You'll understand every step before you sign anything.
COE in Minutes
Your Certificate of Eligibility pulled directly from the VA portal — no waiting weeks on paperwork while your dream home slips away.
No Bank Overlays
Denied elsewhere? Many banks add strict overlays on top of VA guidelines. We match your profile with veteran-focused underwriting that structures your file to approve.
Service Area
Proudly Serving Virginia's Military Communities
Based in Woodbridge — minutes from Quantico — and serving veteran and military families across the region, in person and fully remote.
Moving to Quantico or Fort Belvoir?
Don't wait until you arrive to figure out housing. Start your VA pre-approval before you PCS and house-hunt with confidence — BAH-based qualifying included.
Read the PCS Home Buying GuideVA Loan FAQ
Questions Veterans Ask Me Every Week
Do VA loans really require zero down payment?
Yes. Eligible veterans and active-duty service members can finance up to 100% of the home's purchase price — $0 down, and zero monthly private mortgage insurance (PMI). That alone can save you tens of thousands compared to a conventional loan.
How do I get my Certificate of Eligibility (COE)?
We pull your COE directly from the VA portal in minutes using your DD-214 or statement of service. You don't have to chase paperwork or wait on the VA.
What credit score do I need for a VA loan?
The VA sets no minimum credit score, though most veteran-focused lenders look for around 580–620. If your credit needs work, we'll map a plan — a denial from a bank's overlay doesn't mean you don't qualify.
How long does a VA mortgage take to close?
Most VA purchases close in 21 to 30 days. We fast-track the VA appraisal and streamline underwriting to line up with PCS orders and moving timelines.
Can I use a VA loan more than once?
Yes — entitlement can be restored and reused, including when PCSing to a new duty station like Quantico. We'll review your entitlement and structure it around your move.
What documents do I need to start?
Your DD-214 (or statement of service), recent pay stubs or LES, W-2s, tax returns, and bank statements. Start with a free discovery call and we'll build your exact checklist.
Your Benefits. Your Home. Let's Make It Happen.
Start with a free, no-pressure discovery call. We'll review your VA eligibility, your timeline, and your buying power — and you'll leave knowing exactly where you stand.