Veterans & VA home loans · Bergen & Hudson counties
Veterans buying or selling a home in New Jersey
I help veterans buy or sell a home in Bergen and Hudson counties, and I help the people handling a veteran’s estate decide what to do with the house. I am a licensed New Jersey real estate salesperson and a bilingual agent. I am not a mortgage lender, and I do not take loan applications.
- Bergen and Hudson counties
- English and Spanish
- VA loans explained in plain language
- A connection to a VA-approved lender
How I understand VA loans
I am Joselito 'Jose' Martinez, a licensed New Jersey real estate salesperson with Nest Seekers New Jersey LLC, Real Estate Broker (NJ Lic. 1431438; licensure does not imply endorsement), and a bilingual agent. My career began in 1998.
At Norwest Mortgage, a Wells Fargo company, starting in 1998, I closed dozens of VA home loans. At Norwest Mortgage, a Wells Fargo company, I handled all of the company’s listed homes statewide. Every buyer for those listings was pre-approved through me personally. MBA in Finance, Fairleigh Dickinson University.
I am not a mortgage lender, and I do not take loan applications. I do not originate mortgages today. The decision to lend belongs to a lender.
Buying or selling with a VA loan, in plain terms
An eligible buyer can use a VA home loan with no down payment. The VA and a VA-approved lender confirm eligibility. A real estate agent cannot grant it.
The home still goes through a VA appraisal, and it has to meet the VA’s minimum property requirements. A seller may offer concessions — contributions toward certain buyer costs. What is allowed depends on the rules in effect and on the lender. I will not put a cap or a percentage on this page.
VA loans include a funding fee. Some eligible borrowers are exempt. I will not quote a percentage here, because that figure changes. Your lender will tell you whether the fee applies and how it is paid.
I will connect you with a VA-approved lender. I am not a mortgage lender, and I do not take loan applications.
If you are selling in Bergen or Hudson County, including to a buyer who hopes to use a VA loan, I can explain the appraisal and the contract in everyday language. If the sale is an estate, your attorney leads the legal steps.
Lost a veteran? Know your options.
If you are handling a veteran’s estate, you may be choosing whether to sell the home or keep it. I can help with the real estate side of that decision in Bergen and Hudson counties — price, condition, and a sale that can close — while your estate attorney leads the legal steps.
An existing VA loan does not automatically move to the next owner. An assumption requires approval from the lender and from the VA. Speak with an estate attorney before anyone signs, and before anyone counts on keeping that loan in place.
This is general information, not legal advice.
This is part of my Probate, Trusts & Foreclosure work. Trusted by court-appointed administrators to sell estate properties in Hudson County.
Probate and trust guides
Tell Jose about the home
A short note is enough
Share the town and whether you are buying, selling, or handling a veteran’s estate. Jose replies himself — usually within one business day. This is not a loan application.
Or book a time to talk
Pick a time online, or send an email if that is easier.
A few quick answers
- Are you a mortgage lender?
- No. I am a licensed New Jersey real estate salesperson and a bilingual agent with Nest Seekers New Jersey LLC, Real Estate Broker. I am not a mortgage lender, and I do not take loan applications. I will connect you with a VA-approved lender. The lender makes the decision.
- Can an existing VA loan be assumed?
- An assumption requires approval from the lender and from the VA. It is not automatic. Speak with an estate attorney before anyone signs. I do not approve assumptions, and I do not take loan applications.
- Where do you work?
- Bergen and Hudson counties, New Jersey. English and Spanish.
Nest Seekers New Jersey LLC, Real Estate Broker · Office (201) 420-7225 · Joselito "Jose" Martinez, Real Estate Salesperson · Cell 201-406-6983 · NJ Lic. #1431438. Licensure does not imply endorsement.
Not affiliated with or endorsed by the U.S. Department of Veterans Affairs.