RODRIGO BALLON — VA Loan Originator
NMLS #272011 · CA · UT · NV · AZ · HI · VA · FL · TX · ID · CO · MT · OH
Personalized VA home loans from a licensed specialist who treats every Veteran like family. No gimmicks, no runaround — just a straight path from application to keys in hand.
The VA home loan is one of the most powerful mortgage programs ever created — built specifically for the people who served. Whether you're buying your first home, your fifth, or looking to lower your rate on the one you already own, I'll help you use every piece of your benefit.
VA loans aren't just a discount on a regular mortgage — they're a fundamentally different product. No down payment. No private mortgage insurance. Competitive rates backed by the Department of Veterans Affairs. And unlike most loan programs, your VA benefit is reusable: you can tap it again and again as your life and your home needs change.
The catch? Most loan officers don't actually specialize in VA. They'll treat it like a conventional loan with a different stamp on it, which is how Veterans end up paying more than they should — or getting declined for loans they absolutely qualify for. I've built my career around this one benefit, and I'll walk you through it end to end.
The core VA benefit — buy a primary residence with zero down payment and competitive fixed or adjustable rates.
The Interest Rate Reduction Refinance Loan — a simplified refi built only for existing VA loan holders.
Tap your home's equity at VA loan rates — no PMI — and use the cash however you need.
For higher-priced markets where you need loan amounts above the standard conforming limits.
Jump straight to what you need — whether you're just exploring eligibility or ready to apply today.
See in minutes whether your service makes you eligible for the VA home loan benefit.
Check Eligibility →Qualified Veterans can buy a home with zero down payment — keep your savings where they belong.
How it works →Estimate a realistic monthly payment including taxes, insurance, and the VA funding fee.
Run the numbers →Lock in a competitive interest rate on a loan backed by the VA — no private mortgage insurance, ever.
Get my rate →Never bought a home before? The VA loan was practically built for you. I'll walk you through every step.
Start here →Ready to move forward? Apply directly with me — real person, real responses, usually within the hour.
Begin application →Great communication, amazing lender, great service. Helped get us our investment condo in record time! We could not be happier with Cross Country Mortgage. We highly recommend them to all of our family and friends!
Rodrigo is extremely knowledgeable and does what he says he's going to do. He has had multiple deals ready to close earlier than expected. And to top it all off you can't find a nicer guy to work with. Not at all surprised that he's one of the top lenders in multiple states!! Thank you Rodrigo!!
Rodrigo is by far the best. He knows what he is doing and truly cares about people and delivers on promises he makes!
I appreciate being kept informed of all of the details along the way — Rodrigo and the entire team at CrossCountry was awesome. Thanks for your help.
Can't complain at all, for a first time home buyer everything went smooth as can be.
Excellent communication, on schedule with closing. Great team, organized, using the portal was straightforward. Very nice and polite, friendly. Thank you!
The VA home loan is an earned benefit for Veterans, active duty service members, National Guard, Reservists, and certain surviving spouses. Here are the main ways you qualify — plus a direct line to me if you'd rather skip the reading and just talk it through.
Currently serving on active duty in any branch of the U.S. Armed Forces.
90+ Continuous DaysSeparated or retired under conditions other than dishonorable.
90–181 Days · 24 MonthsMembers of the National Guard or Selected Reserve, any branch.
6 Years of ServiceUnremarried spouses of Veterans who died in service or from a service-connected cause.
Case-by-CaseThis is the document that proves your service entitlement to the VA. Most clients don't need to lift a finger — I pull it for you in minutes.
The VA sets no official minimum credit score, but most lenders look for roughly 620+. I review your full picture — BAH, disability income, bonuses, self-employment — to find what actually works for your situation.
VA loans are for homes you'll live in as your primary residence — not investment properties or vacation homes. (You can use the benefit again on future primary homes.)
Most Veterans have full entitlement available. Even if you've used your VA loan before, you may still qualify — I'll run the numbers with you at no cost and no obligation.
Fill this out and I'll personally reach out — usually the same day — to confirm your eligibility and walk through next steps. No commitment, no pressure.
A quick estimate based on today's market average rates, a 30-year fixed term, and typical tax and insurance figures. For a real quote tailored to you, reach out directly.
Estimate includes principal, interest, estimated taxes (~1.25% of price annually), and estimated homeowner's insurance (~$1,500/year). Does not include HOA or the VA funding fee. Actual terms depend on credit, income, property, and entitlement.
With over 20 years of experience, Rodrigo Ballon is a certified mortgage lender dedicated to helping all residents, second-home buyers, and investors achieve their homeownership goals.
I learned early in my career to listen to my clients. Before I recommend a home loan, I want to know about you. I need to understand your goals and use my knowledge and experience to offer you the mortgage that's right for you and your family.
I've earned a spot on Scotsman Guide's Top Originators list every year since 2012, consistently ranked in the Top 1% nationally. But awards matter to me for one reason — they're proof I'm doing right by my clients.
Ranked out of more than 200,000 licensed mortgage originators nationwide, per Scotsman Guide.
If you want 24-hour dedication, attention to detail, a smooth loan process, and a commitment to closing your loan on time, you can find me at America's #1 Retail Mortgage Lender.
Wherever your orders took you — or wherever you're headed next — there's a good chance I can help you get home.