You earned your VA home loan benefit – Mark Pattison helps you put it to work. Eligible veterans, active-duty service members, and military families may qualify with no down payment and no monthly mortgage insurance. Whether you are buying, refinancing, or exploring a VA IRRRL, you get clear guidance backed by NEXA Mortgage, LLC.
Mortgage Advisor
AZ LO-2001289 | CA DFPI 2334799 | TX 2334799
NEXA Mortgage, LLC · NMLS 1660690 · Equal Housing Lender
A VA loan is a mortgage made by private lenders - like NEXA Mortgage, LLC - and guaranteed in part by the U.S. Department of Veterans Affairs. That guarantee is why eligible veterans, service members, and military families can often buy with no down payment, skip monthly mortgage insurance entirely, and still get competitive rates.
It is an earned benefit, not a program you apply to qualify for out of luck - and exploring it costs you nothing.
The three most common ways to use it: buying a home, lowering the rate on an existing VA loan with a streamlined VA IRRRL, and accessing equity with a VA cash-out refinance.
Eligibility is documented with a Certificate of Eligibility (COE). You do not need it in hand to start - Mark can usually request it for you in minutes as part of your first conversation.
If you already have a VA loan, the Interest Rate Reduction Refinance Loan is the streamlined way to lower your rate or payment: reduced documentation, no appraisal in many cases, and it is designed to be simple by regulation, not by marketing.
Need equity instead? The VA cash-out refinance lets eligible homeowners access their equity - and it is available even if your current loan is not a VA loan.
Straight answers about the VA home loan benefit - who qualifies, what it costs, and how to put it to work for your family.
A VA loan is a mortgage guaranteed in part by the U.S. Department of Veterans Affairs and made by private lenders such as NEXA Mortgage, LLC. The guarantee is what allows eligible borrowers to buy with no down payment in many cases and with no monthly mortgage insurance.
Veterans, active-duty service members, many National Guard and Reserve members who meet service requirements, and some surviving spouses. Eligibility is documented with a Certificate of Eligibility (COE) – Mark can help you request yours.
Many eligible borrowers can buy with no down payment when they have full entitlement and the price does not exceed the appraised value. There is also no monthly mortgage insurance on a VA loan.
A one-time fee paid to the VA that keeps the program running. It varies with your down payment and whether you have used the benefit before, it can usually be financed into the loan, and many veterans with service-connected disabilities are exempt.
Yes. The benefit is reusable, and in some situations you can even have more than one VA loan at a time. Checking your remaining entitlement is one of the first things we do.
The Interest Rate Reduction Refinance Loan – a streamlined refinance for homeowners who already have a VA loan, with reduced documentation, designed to lower your rate or payment.
The VA itself does not set a minimum credit score, but lenders have their own requirements, and you will need stable, documentable income. Mark walks you through exactly where you stand before you apply.
No. This website is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs or any government agency. VA loans are made by private lenders; Mark W. Pattison is a Mortgage Advisor with NEXA Mortgage, LLC, NMLS 1660690.
A free conversation with Mark - no pressure, no obligation. Bring your questions, and your COE questions too.
Discover why clients choose Mark Pattison for their mortgage needs.
Mark Pattison is a Mortgage Advisor with a diverse background in business, martial arts and raising four children. Passionate about helping others achieve their goals, Mark leverages his varied experiences to provide comprehensive support to his clients. As a “numbers guy” with a desire to empower others, he finds excitement in guiding individuals through major life stages, including homeownership. Mark specializes in providing tailored financial solutions, offering a wide range of loan programs such as conventional, FHA, Jumbo, VA, and USDA loans. Committed to making a positive impact on his clients’ lives, Mark embodies his philosophy of “Empower Through Action” to effect change in the community and everyone he comes in contact with. Please reach out and see how he is truly always, “Happy to help.”
Based in North County San Diego and serving Carlsbad, Encinitas, and beyond, Mark Pattison delivers mortgage solutions with clarity, speed, and personalized guidance. Backed by NEXA Mortgage—one of the nation’s top brokerages—Mark offers competitive loan options tailored to your goals. He is fully licensed in California (CA), Arizona (AZ LO-2001289), and Texas (TX 2334799), giving you access to trusted support across multiple states. Whether you’re buying, refinancing, or investing, you’ll receive honest advice and a smooth experience from start to close.
