You earned the VA loan benefit — now work with a lender who actually understands it. Mark Prendergast is a U.S. Marine veteran and mortgage loan officer (NMLS 280440) helping veterans, active-duty military, and eligible spouses buy homes across Austin and Texas.
VA loans have their own rules — entitlement, funding fees, residual income, VA appraisals — and plenty of lenders treat them like any other loan. As a veteran himself, Mark walks VA buyers through every step in plain English and makes sure the benefit works as hard as it should.
From Camp Mabry to the growing veteran communities across the Austin metro — Round Rock, Georgetown, Cedar Park, Kyle — Mark helps military families plant roots in Central Texas.
For eligible borrowers with full entitlement, yes — the VA loan allows 100% financing with no down payment. You will still want to budget for closing costs and prepaid items, though sellers can contribute in many cases.
The funding fee is a one-time VA charge that keeps the program running without taxpayer money. The amount depends on your service type, down payment, and whether you have used the benefit before. Many disabled veterans are exempt from it entirely.
Yes. You can reuse your VA entitlement — including having more than one VA loan at a time in some situations. Your remaining entitlement determines how much you can borrow with zero down.
In many cases, yes. Unremarried surviving spouses of veterans who died in service or from a service-connected disability may be eligible for the VA home loan benefit.
Absolutely. VA loans work for single-family homes, condos (in VA-approved projects), and even multi-unit properties up to four units if you live in one of them — anywhere in the Austin area or Texas.
Get a straight answer on what you qualify for — no pressure, no obligation.
Call 512-587-4959