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    • Home
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      • 30 Year Fixed Mortgage
      • 15 Year Fixed Mortgage
      • Adjustable Rate Mortgage
      • FHA Loans
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      • Reverse Mortgage
    • Free Tools
    • about
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Start My Pre-Approval
  • Home
  • Purchase
  • refinance
  • Loan Options
    • 30 Year Fixed Mortgage
    • 15 Year Fixed Mortgage
    • Adjustable Rate Mortgage
    • FHA Loans
    • VA Loans
    • Jumbo Loans
    • 203k Loans
    • USDA Loans
    • Reverse Mortgage
  • Free Tools
  • about
  • preferred partners
  • va resources
Start My Pre-Approval

Mercantini Home Loans

Mercantini Home LoansMercantini Home LoansMercantini Home Loans

VA • Conventional • Refinance

20-Year Navy Veteran | Mortgage Loan Originator


Start My Pre-Approval

Home Purchases & Refinances

Serving Active Duty, Veterans, and Homebuyers Across 

Hampton Roads • All of Virgina • Nation Wide

Jim Mercantini

Built on Service. Focused on Results.

After 21 years of service in the United States Navy, I understand the challenges that come with PCS moves, deployments, and transitioning to civilian life.


Today, I help Active-Duty service member, Veterans, and their families navigate the mortgage process with clarity, confidence, and a strategy built around their goals.


Whether you're using your VA benefit or purchasing with a conventional loan, my job is simple: make the process smooth, transparent, and stress-free.

  • Licensed MLO in Virginia
  • Member of the PRMG Freedom Lending Team
  • Experienced in VA & Conventional Loan Programs
  • Nationwide Lender

Loan Options

30 Year fixed15 year fixecadjustable rate mortgagefha loanva LOANjumbo loan203k loanusda loanreverse mortgage

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    What Sets My Lending Approach Apart

    • ✔ 20+ years of military leadership and accountability
       
    • ✔ Nationwide lending experience
       
    • ✔ Clear, consistent communication
       
    • ✔ No-pressure, education-first guidance
       
    • ✔ A mission to serve—not sell
       

    Your mortgage isn’t just a transaction—it’s part of a bigger picture. I treat it that way.

    Find out more

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    Contact Us

    Better yet, see us in person!

    Ready to Work With a Nationwide Veteran Lender?

    Whether you’re buying locally, relocating across state lines, or using your VA benefits for the first time, I’m here to help.

    Apply Now
    Schedule a Free Consultation
    Ask a VA Loan Question

    Freedom Lending Team

    401-B Grace Street, Smithfield, VA, USA

    7575536972

    Hours

    Open today

    09:00 am – 05:00 pm

    Drop us a line!

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