Welcome to Trident Home Loans. At Trident Home Loans, we offer a variety of loan products to match all of our client's’ needs and to ensure that each of their unique situations are assisted with the best loan option possible. We pride ourselves on the transparency of our loan officers’ actions and strive to offer the best client care. This application process is a quick and easy way for us to get you started in the right direction. Let's get started! 

Jonathan Kulak is a Senior Loan Originator at Trident Home Loans, a veteran owned/operated mortgage lender located in Pensacola, FL.  Jonathan specializes in helping veterans utilize their VA loan benefits for both purchases and refinances across the 26 states he is licensed in.  His 5 years of lending experience allows him to seamlessly navigate through the toughest problems for his clients which resulted in him closing 393 VA loans and 486 total loans in 2020.   His passion for helping veterans comes from his 16 years of service in the United States Air Force both on active duty and in the reserves.  Jonathan is currently a Major in the Air Force Reserves at Hurlburt Field, FL, a distinguished graduate of both Texas A&M University and Air Force Pilot Training, and a former AC-130 Evaluator Pilot.  Jonathan has flown 1271 combat hours over a course of 10 deployments to multiple combat zones earning 10 Air Medals and is a veteran of Operations Iraqi Freedom, New Dawn, Enduring Freedom and Inherent Resolve.  He still enjoys flying and is a Boeing 737 pilot for a major commercial airline.  Most importantly, he is a devoted husband to his wife Lauren of 15 years and the proud father of their four great children Vivian, Evelyn, Ruth and Jonathan.