Home Loans for Those Who’ve Earned More Than a Thank You
We proudly serve Veterans, Active Duty, Reservists, and National Guard members — guiding you through every step of the home journey with integrity, strategy, and heart.
We Understand the Military Life
Military service means constant movement, high stakes, and often limited time. That’s why we tailor our process around your life — not the other way around.
Common Veteran/Military Scenarios We Solve:
- Relocating with PCS orders
- Using VA eligibility for the first time
- Buying with little or no cash down
- Transitioning to civilian life
- Investing using VA loan benefits
Tailored Mortgage Solutions
“They understood the VA process better than anyone I’ve worked with. I closed on my new home in 21 days, right before reporting to my new base.”
— Marcus T., USMC Veteran
Can I use my VA loan more than once?
Yes. You can restore eligibility and even use it again with partial entitlement.
What if I have disability income?
Great news: It often counts as stable, non-taxable income and helps you qualify more easily.
Can I buy a 2-4 unit property with a VA loan?
Yes — as long as you live in one of the units. We’ll show you how to use this as a stepping stone into real estate investing.
Can I use a VA loan with no down payment?
Yes! One of the biggest benefits of a VA loan is that it typically requires no down payment, helping you move in with less cash upfront.
Do I need perfect credit to qualify?
Not at all. VA loans are known for being more flexible with credit scores compared to conventional loans.
Can I refinance my current VA loan?
Absolutely. With the VA IRRRL (Interest Rate Reduction Refinance Loan), you can easily lower your rate with less paperwork and no appraisal in many cases.
Are there closing costs with a VA loan?
Yes, but the VA limits what you can be charged, and you may be able to negotiate for the seller to cover some or all of them.
Meet Jim Blackburn
VA Loan Advisor | Veteran Advocate | Real Estate Strategist
You served our country. Now let us help you build wealth, stability, and freedom.
Don't Risk Losing The House Because You Weren't Prepared.
Winning offers are planned in advance, losing offers just failed to plan.
Beginning your preapproval process 60-90 days before looking at homes is the smart way to go.Â
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
First-time home purchase and refinance with fast closing
Great customer service! We were living in California for 20+ years, and every year our rent went up, so we decided to move to Virginia and get our own house. Jim helped us with our very first home mortgage and constantly updated us with the lowering rates. After we were presented with different options, we decided to do a refi, and his team made it possible for us to grab the opportunity to shorten our term from 30 to 15 years at a much lower rate. In just around three weeks we were able to close. Me and my family will definitely recommend them!
Johnny Blan - via Facebook
Retired Investor -
CALIFORNIA
CALIFORNIA
Guidance through the purchase process with clear explanations
They worked with me on the purchase process. Their knowledge helped me to choose the option that was most convenient. From the beginning they explained the process. Thanks Jim!
Dayana Ruiz - via Facebook
Mortgage Loan Originator Columbus Capital Lending -
FLORIDA
FLORIDA
Investor-friendly lender who goes the extra mile
I'm an RE investor. Had multiple loan officers but one really stands out – JIM BLACKBURN. Now, he is working on a third deal with me. He does go the extra mile. A few examples from the past: I have tons of properties and live in China with unique income (he made it work!). He called me in China at 1 AM to get information to close the deal. He is super efficient with collecting the right documents upfront to avoid a lot of back and forth later with processors. You can't go wrong with Jim.
Dennis Nikolaev - Facebook
Studio Leader at APCE Dennis Studio -
CHINA
CHINA
