Mark W. Pattison, NMLS 2334799
Mortgage Advisor
AZ LO-2001289 | CA DFPI 2334799 | PR MLO-1207 | TX 2334799
NEXA Mortgage, LLC · NMLS 1660690 · Equal Housing Lender
Mark W. Pattison, NMLS 2334799
Mortgage Advisor
AZ LO-2001289 | CA DFPI 2334799 | PR MLO-1207 | TX 2334799
NEXA Mortgage, LLC · NMLS 1660690 · Equal Housing Lender
VA Home Loans With Mark Pattison
Buying a home, refinancing, or exploring your VA benefit? Start with your questions and get personal guidance from Mark Pattison.
Mark W. Pattison, NMLS 2334799
Mortgage Advisor
AZ LO-2001289 | CA DFPI 2334799 | PR MLO-1207 | TX 2334799
NEXA Mortgage, LLC · NMLS 1660690 · Equal Housing Lender
Serving Arizona, California, Puerto Rico, and Texas.
Start With the Basics
VA home loans are issued by private lenders and guaranteed in part by the U.S. Department of Veterans Affairs. Eligible borrowers may use them to purchase a home or explore qualifying refinance options.
Eligibility, available entitlement, lender approval, and the property appraisal matter. Closing costs and a VA funding fee may apply.
Start With Your Plans
VA Purchase Loan
Explore a VA purchase loan and understand how your eligibility, budget, and home search fit together.
VA IRRRL
Ask whether an Interest Rate Reduction Refinance Loan, or IRRRL, may fit your circumstances. Review the costs and potential benefits before deciding.
VA Cash Out Refinance
A VA cash out refinance may provide access to equity or replace an eligible existing mortgage. Understand the new balance, costs, and repayment obligations.
Plan Your Payment
Explore an estimated purchase payment using your own numbers. Mark can help you understand the assumptions and what may apply to your plans.
Purchase calculator for an illustrative fixed rate VA purchase loan. It does not determine eligibility, required down payment, available entitlement, or refinance outcomes.
No mortgage needed
A down payment equal to the home price is a full cash purchase. Taxes, insurance, and HOA dues would still apply.
$3,066per month
This calculator provides an illustration, not a loan offer, Loan Estimate, rate quote, or approval. Actual rates, fees, eligibility, taxes, and insurance may differ. The total includes only the expenses entered. Other closing costs and prepaid expenses are not included. Funding fee exemptions must be confirmed.
Who I Help
Start with your circumstances, your questions, and what you would like to understand next.
Buying your first home or planning another move? Talk through your available entitlement and the questions that matter to your plans.
Understand how the homebuying process, documentation, and occupancy considerations may fit your service commitments.
Explore the eligibility requirements and the steps involved in documenting your service.
Some surviving spouses may qualify for a VA home loan benefit. Start with a considerate conversation about the applicable requirements.
Meet Your Mortgage Advisor
Mark W. Pattison, NMLS 2334799
Mortgage Advisor
I’m a mortgage advisor with a background in business, martial arts, and raising four children. I enjoy working with numbers, but understanding what matters to you comes first.
My personal philosophy is Empower Through Action. When we talk, my aim is to help you understand your mortgage options, the questions worth asking, and your next step.
A Clear Starting Point
A first conversation, not an application.
01
Tell Mark what you are considering and what you would like to understand.
02
Discuss the information, eligibility questions, and loan choices relevant to your situation.
03
Move forward with a clearer understanding of the process and the documents needed.
Resources
How service history and surviving spouse status relate to eligibility, and what a Certificate of Eligibility shows your lender.
When the VA funding fee may apply, how the amount is set, who may be exempt, and which closing costs to expect.
How a purchase loan, an IRRRL, and a VA cash out refinance differ, and what to compare before you choose.
Your Questions
Have a question that is not covered here? Ask Mark directly.
VA Mortgage Master is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs. Read the full disclosure.
Eligibility depends on factors such as your service history or qualifying surviving spouse status. A Certificate of Eligibility documents your VA benefit eligibility, but lender and property requirements also apply.
Many eligible buyers can purchase without a down payment. Available entitlement, lender requirements, and the property appraisal affect what is possible. Closing costs may still apply.
It is a fee that may apply when using a VA home loan. The amount depends on the transaction and applicable fee rules, and some borrowers are exempt. Mark can help explain the information needed to confirm your situation.
Yes, repeat use may be possible. Available entitlement, any previous VA loans, and the applicable requirements need to be reviewed.
No. You can start with a question and decide whether you are ready for an application after discussing your plans.
Start a Conversation
You do not need to have everything figured out. Send Mark your question and choose how you would prefer to hear back.