Trusted by 6,000+ Veterans

VA Home Loans

Made Simple

We specialize exclusively in VA loans for veterans, active duty military, and surviving spouses. Zero down payment. Competitive rates. Fast closing.

Get Pre-qualified in 30 seconds
Refinance Options

$0

Down Payment

21

Day Avg Close

4.9★

Rating

Your Potential Savings

With VA Refinance

Total Upfront Savings

$9,753

Monthly Savings

$242/mo

Down Payment

$0

No PMI

✓ Included

Closing Time

21 days

Calculate My Savings

What Veterans Say About Us

Customer Reviews
4.9
(4,535)

Hear from veterans who achieved their homeownership dreams with Veterans National Mortgage

4.9
4,535 reviews
5
98%
4
2%
3
0%
2
0%
1
0%
Verified Review
If we could give Dave and Nina a score of 20 instead of 10, we would in a heartbeat! They cheerfully walked us through every refinancing step, always patient with questions and ensuring we understood our options. Calls, emails, and texts were answered quickly. As we searched for our new home over many months, they kept our pre-approval current with minimal effort on our part. We're so happy and lucky to have worked with such a wonderful Veterans National Mortgage team!
P
Pete & Chemagne I.
South Carolina
Verified Review
Hands down, an amazing experience from start to finish. Veterans National Mortgage made homebuying smooth, efficient, and stress-free. Our loan officer Max explained everything in detail and went beyond to keep things moving. Our realtor Savannah was phenomenal—she supported us from touring homes to closing, transparent and professional when it mattered most. I would recommend Veterans National Mortgage 10,000% to any service member or military family!
A
Alvin & Jasmine
Washington
Verified Review
Veterans National Mortgage provided exceptional support throughout my entire journey. Their expertise in VA loans helped me understand eligibility, find the right terms, and navigate paperwork. They have a streamlined online platform that makes applying, uploading documents, and tracking progress easy. Their network of trusted partners—real estate agents, inspectors, title companies—made the entire process smoother. VNM is committed to serving the veteran community. They're more than a loan company; they're a dedicated partner!
W
Walter P.
Colorado
Verified Review
Veterans National Mortgage genuinely cares about their customers—they treat you like family, not just another file. We purchased our home 2 years ago, and when rates dropped recently, Bill actually reached out to offer refinancing! What company does that? VNM and Bill are absolutely amazing! The professionalism, knowledge, patience, and kindness were all qualities that made us want to work with them. It's been 2 years and nothing has changed—they're still amazing!
C
Corey & Lisa
Ohio
Verified Review
Jacky and her team at Veterans National Mortgage were exceptional throughout my entire homebuying process. Their communication was consistent, clear, and proactive, making a long journey feel manageable. Every question was answered promptly, and no detail was overlooked. It was obvious she genuinely cared about keeping everything on track. From coordination to follow-ups, the team was on top of every step. I'd rate their service 10/10 and highly recommend them!
M
Madison T.
Michigan
Verified Review
After being turned away by another mortgage company, I requested information from Veterans National Mortgage. I should have started here! The team immediately went to work and helped me in every way imaginable. This is my 3rd house purchase, and this one was by far the easiest. When they say they're customer-focused, it's not just a slogan—they went above and far beyond. If you're wondering if VNM is the best choice, I assure you they will do everything to make your experience painless!
B
Brandon H.
Alabama
Verified Review
Bill at Veterans National Mortgage is the STAR of the show! From start to finish, he was knowledgeable, reliable, and incredibly supportive. He took time to explain the lending process clearly, answered all my questions patiently, and kept me informed every step of the way. His attention to detail and commitment to exceptional service gave me confidence and peace of mind. I couldn't have asked for a better loan officer than Bill!
J
Joyce M.
Illinois
Verified Review
Couldn't have asked for a better first home purchase experience! Max, Dave, Nina, and the Veterans National Mortgage team were excellent from start to finish. Communication, respect, education, and genuine care were evident in every step. The customer service my wife and I received was top-notch—something you wish to see everywhere. Thank you VNM for walking us through step-by-step with ease. Our confidence during our first purchase wouldn't have been possible without you!
J
Harley B.
New Jersey
Verified Review
If we could give Dave and Nina a score of 20 instead of 10, we would in a heartbeat! They cheerfully walked us through every refinancing step, always patient with questions and ensuring we understood our options. Calls, emails, and texts were answered quickly. As we searched for our new home over many months, they kept our pre-approval current with minimal effort on our part. We're so happy and lucky to have worked with such a wonderful Veterans National Mortgage team!
P
Pete & Chemagne I.
South Carolina
Verified Review
Hands down, an amazing experience from start to finish. Veterans National Mortgage made homebuying smooth, efficient, and stress-free. Our loan officer Max explained everything in detail and went beyond to keep things moving. Our realtor Savannah was phenomenal—she supported us from touring homes to closing, transparent and professional when it mattered most. I would recommend Veterans National Mortgage 10,000% to any service member or military family!
A
Alvin & Jasmine
Washington
Verified Review
Veterans National Mortgage provided exceptional support throughout my entire journey. Their expertise in VA loans helped me understand eligibility, find the right terms, and navigate paperwork. They have a streamlined online platform that makes applying, uploading documents, and tracking progress easy. Their network of trusted partners—real estate agents, inspectors, title companies—made the entire process smoother. VNM is committed to serving the veteran community. They're more than a loan company; they're a dedicated partner!
W
Walter P.
Colorado
Verified Review
Veterans National Mortgage genuinely cares about their customers—they treat you like family, not just another file. We purchased our home 2 years ago, and when rates dropped recently, Bill actually reached out to offer refinancing! What company does that? VNM and Bill are absolutely amazing! The professionalism, knowledge, patience, and kindness were all qualities that made us want to work with them. It's been 2 years and nothing has changed—they're still amazing!
C
Corey & Lisa
Ohio
Verified Review
Jacky and her team at Veterans National Mortgage were exceptional throughout my entire homebuying process. Their communication was consistent, clear, and proactive, making a long journey feel manageable. Every question was answered promptly, and no detail was overlooked. It was obvious she genuinely cared about keeping everything on track. From coordination to follow-ups, the team was on top of every step. I'd rate their service 10/10 and highly recommend them!
M
Madison T.
Michigan
Verified Review
After being turned away by another mortgage company, I requested information from Veterans National Mortgage. I should have started here! The team immediately went to work and helped me in every way imaginable. This is my 3rd house purchase, and this one was by far the easiest. When they say they're customer-focused, it's not just a slogan—they went above and far beyond. If you're wondering if VNM is the best choice, I assure you they will do everything to make your experience painless!
B
Brandon H.
Alabama
Verified Review
Bill at Veterans National Mortgage is the STAR of the show! From start to finish, he was knowledgeable, reliable, and incredibly supportive. He took time to explain the lending process clearly, answered all my questions patiently, and kept me informed every step of the way. His attention to detail and commitment to exceptional service gave me confidence and peace of mind. I couldn't have asked for a better loan officer than Bill!
J
Joyce M.
Illinois
Verified Review
Couldn't have asked for a better first home purchase experience! Max, Dave, Nina, and the Veterans National Mortgage team were excellent from start to finish. Communication, respect, education, and genuine care were evident in every step. The customer service my wife and I received was top-notch—something you wish to see everywhere. Thank you VNM for walking us through step-by-step with ease. Our confidence during our first purchase wouldn't have been possible without you!
J
Harley B.
New Jersey
Our Services

VA Loan Programs

We offer a full range of VA loan products tailored to meet the unique needs of our military community.

VA Purchase Loan

Buy your dream home with zero down payment. Available to veterans, active duty, National Guard, and Reserves.

  • No down payment required
  • No PMI
  • Competitive rates
  • Flexible credit requirements
Learn More

VA IRRRL

Interest Rate Reduction Refinance Loan. Lower your rate with minimal paperwork and no appraisal required.

  • No appraisal needed
  • Minimal documentation
  • Lower monthly payments
  • Quick processing
Learn More

VA Cash-Out Refinance

Access your home's equity for debt consolidation, home improvements, or other expenses.

  • Up to 100% of home value
  • Consolidate high-interest debt
  • Fund home improvements
  • Flexible use of funds
Learn More

VA Streamline Refinance

Simplify your refinance with reduced documentation requirements and faster processing times.

  • Streamlined process
  • No income verification
  • Reduced funding fee
  • Fast closing
Learn More
Why Veterans Choose Us

The Veterans National Difference

We've helped over 6,000 veterans and military families achieve their homeownership dreams.

VA Loan Specialists

We focus exclusively on VA loans, ensuring expert guidance through the entire process.

Zero Down Payment

Eligible veterans can purchase a home with no money down, maximizing your buying power.

Fast 21-Day Closing

Our streamlined process gets you into your home faster than industry averages.

Competitive Rates

We work with multiple lenders to secure the best rates available for your situation.

Veteran-Owned

Founded by veterans who understand the unique needs of military families.

24/7 Support

Questions don't wait for business hours. Our team is available when you need us.

Expert Team

Meet Our Loan Officers

Our team of VA loan specialists is here to guide you through every step of the process.

Bill Madonia

Senior Loan Officer

NMLS# 2044848

Bill Madonia is a seasoned Loan Officer at Veterans National Mortgage, bringing over 5 years of experience in the mortgage industry. Known for his dedication to helping veterans, civilians and their families achieve the dream of homeownership, Bill specializes in VA, FHA, and conventional loans, ensuring that those who have served our country receive the best possible financial options tailored to their unique needs as well as non-veterans.With a deep understanding of the mortgage process, Bill guides his clients through every step, offering personalized solutions and expert advice. His commitment to transparency, integrity, and exceptional customer service has earned him a reputation as a trusted advisor. Whether you’re a first-time homebuyer or refinancing your current home, Bill’s expertise and passion for helping people make him a reliable partner in securing the perfect loan. The many 5 star reviews will show that.When he’s not working, Bill enjoys spending time with his family, and remains deeply involved in supporting veteran-related causes in his community.

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Daniel Chaney

Production Manager

NMLS# 1835426

Daniel Chaney is a dedicated and experienced loan officer in the independent mortgage broker channel. With a background as a proud veteran of the US Navy, he brings discipline, integrity, and a strong work ethic to his role. Leveraging his military training and attention to detail, he guides clients through the mortgage process with utmost professionalism and care.His commitment to helping individuals and families achieve their homeownership dreams has earned him a reputation for exceptional customer service. With extensive knowledge of mortgage products and a passion for assisting others, Daniel Chaney is the trusted partner for navigating the complex world of home financing.

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