Natalie James
Certified Veteran Mortgage Advisor
20+ Years Mortgage Experience
Military Spouse
Meet the VA Loan Lovers.
Two VA mortgage professionals.
One mission: advocating for your homeownership.
Gamaliel “Gam” James
Marine Corps Veteran
Mortgage Broker
Former Government Contractor
20+ Years in the Government Sector
Natalie and Gam bring mortgage experience, VA knowledge and a personal connection to military service to help Veterans, active-duty service members and eligible surviving spouses understand their VA home loan benefit.
For us, VA lending is personal.
VA Loan Lovers is a specialized VA team within NSJ Mortgage Power.
VA & Military
You’ve Earned the Benefit.
Let’s Make It Work for You.
VA financing is more than a zero-down loan. It’s a benefit earned through service, and we’re here to help you understand it and use it with confidence.
Your VA Benefit May Do More Than You Think.
- 0% Down Options
- No Monthly Mortgage Insurance
- Competitive Financing
- Potential Ability to Use the Benefit Again
- Potential for More Than One VA Loan
- Eligible 2–4 Unit Properties
Already Used Your VA Benefit?
Don’t count yourself out. Let’s review your entitlement and see what’s possible.
Benefits depend on eligibility, available entitlement, occupancy, lender and property requirements.
NSJ Military Power Support Program
A Little Extra Support for Those Who Served.
For eligible 2026 VA purchase transactions, NSJ Mortgage Power covers:
- VA Appraisal Fee
- Underwriting Fee
- Credit Report Fee
For eligible active-duty service members, Veterans and eligible surviving spouses. Program eligibility and terms apply.
Not Sure Where to Start?
Whether this is your first VA loan or you’ve used your benefit before, you don’t have to figure it out alone.