Deploy Your VA Loan Benefits with Zero Friction

Command your homebuying process with the mortgage backing you earned. We streamline COE retrieval, eliminate unnecessary fees, and execute tailored VA financing to secure your next home.

Lock in $0-down purchasing power and bypass monthly PMI
Fast-track COE verification and compare competitive military rates

Claim Your VA Eligibility Refinance via IRRRL

VA Loan Audio Guide Markita — The VA Queen

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Veteran Homebuyer Blueprint

Master your homebuying journey using your hard-earned VA loan benefits with zero money down.

Deploy Benefits

VA IRRRL & Cash-Out Refinance

Streamline your monthly payments or tap into built-up home equity with minimal hassle.

Lower Your Rate

Competitive VA Military Rates

Track exclusive interest rates tailored specifically for military veterans and active personnel.

Check Live Rates

VA Mortgage Calculator

Calculate precise monthly payments with zero PMI and plan your financial strategy with confidence.

Calculate Payment

Watch the VA Loan Briefing

Discover how we help service members navigate military home financing and secure military-exclusive advantages.

ABOUT

Darnell Shane Garrison

Senior Mortgage Loan Originator NMLS #17118

I'm Darnell Shane Garrison (NMLS#17118), a seasoned Senior Mortgage Loan Originator with over 24 years of experience in the industry. Based in Tampa, Florida, I have the ability to originate residential purchases and refinances in 48 states.

I specialize in a wide range of loan products, including Conventional, VA, and FHA loans, and also have access to Non-Traditional Financing options. Additionally, I offer a Portfolio Line for Florida and Georgia and have a particular focus on Construction-to-Perm loans in these states.

With my extensive national experience, I am dedicated to helping clients secure the best possible financing solutions tailored to their needs.

Tailored Loan Solutions

Client-Focused Service

Clear Communication

About Me

Markita Woods

Mortgage Broker NMLS #196099

Licensed in DC, Virginia, Maryland, Texas, and West Virginia

I provide mortgage guidance for Veterans and first-time homebuyers throughout Virginia, Washington, DC, and Maryland. With 24 years of mortgage experience and 1,000+ people served, I help consumers better understand the mortgage process and make informed home financing decisions. My work focuses on mortgage education, homebuyer preparation, and clear, consumer-friendly guidance for people navigating the path to homeownership. I am a published author and Veteran Mortgage Adviser Certified professional, a recipient of the NAREB Educator Award and PWAR Educator of the Year, and an experienced VHDA trainer. My goal is to make mortgage information easier to understand for the buyers and communities I serve.

Tailored Loan Solutions

Client-Focused Service

Clear Communication

The Right Loan Structure + Veteran-Focused Lenders = Mission Accomplished

We analyze your military history, COE status, and financial profile to pair you with specialized VA lenders whose underwriting guidelines match your exact circumstances—bypassing rigid single-bank restrictions.

$0-Down VA Purchase Financing

VA IRRRL Streamline Refinancing

100% Cash-Out VA Equity Access

Active Duty, Reservist & Guard Solutions

Credit Optimization & COE Retrieval

Zero Monthly PMI Guarantee

Military & Veteran Loan Solutions Ready to Deploy

Deploy your earned military benefits, secure zero-down financing, and structure the ideal loan for your mission.

$0-Down VA Purchase Loans

Leverage your earned VA benefits to purchase a primary home with zero down payment and zero monthly PMI.

VA IRRRL Streamline Refinance

Slash interest rates and lower monthly payments quickly with minimal documentation and no appraisal required.

VA Cash-Out Refinancing

Tap into up to 100% of your home equity to consolidate high-interest debt, pay for renovations, or boost savings.

Military Relocation & PCS Loans

Fast-track approvals and navigate PCS timelines with flexible underwriting built around military moves.

Explore All Programs

Request Your Free Mortgage Case Review

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Qualification options after decline

Optimal lender selection for any situation

Possible interest rate & monthly payment estimate

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VA Loan FAQ

How do I obtain my Certificate of Eligibility (COE)?

We pull your Certificate of Eligibility directly from the VA portal in minutes using your DD-214 or statement of service—saving you time and hassle.

Do VA loans really require zero down payment?

Yes. Qualifying veterans and active-duty service members can finance up to 100% of the home's purchase price with $0 down payment and zero monthly private mortgage insurance (PMI).

What credit score do I need for a VA loan?

While the Department of Veterans Affairs sets no strict minimum credit score, most veteran-focused lenders look for a 580 to 620 score. We work with flexible lenders who evaluate your entire military financial profile.

What documents do I need to start my VA loan application?

You will need your DD-214 (or Statement of Service for active duty), recent LES/pay stubs, W-2s, tax returns, and bank statements. We handle the rest of the VA verification process for you.

How long does a VA mortgage take to close?

We typically close VA loans in 21 to 30 days. We fast-track VA appraisals and streamline underwriting to align seamlessly with your military orders or moving timeline.

A VA Loan Denial Doesn't Mean You Don't Qualify

Many traditional banks impose strict overlays that turn away eligible military borrowers unnecessarily.

We match your profile with military-specialized underwriting teams who structure your file correctly to get your VA loan approved.

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Let’s Connect

Senior Mortgage Loan Originator | NMLS #17118

Whether buying, refinancing, or analyzing loan options, dedicated guidance is available to secure optimal financing solutions tailored to specific goals.

(816) 305-7038

dgarrison@centralbankfl.com

20701 Bruce B. Downs Blvd, Tampa, Florida 33647

Book a Consultation

Right Column

Let’s Connect

Mortgage Broker | NMLS #196099

Whether buying, refinancing, or analyzing loan options, dedicated guidance is available to secure optimal financing solutions tailored to specific goals.

(703) 929-2274 markita@queenofmortgages.com Woodbridge, VA

Book a Consultation