Email: [email protected]
Cell (850) 972 9938 | Fax 850-343-0209


Sr. Mortgage Loan Originator | NMLS 1403506

#5 Veteran Loan Originator in the Country by volume (2020/23)
#7 Veteran Loan Originator in the Country by volume (2021/22)
#7 VA Loan Originator in the Country by volume (2022)
#8 VA Loan Originator in the Country by volume (2021)
Former AC-130 Pilot, Lt Col USAFR, Texas A&M ‘05

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 30 states he is licensed in. His 7 years of lending experience allows him to seamlessly navigate through the toughest problems for his clients which resulted in him closing 952 VA loans and 1,183 total loans from 2020-2022. He has been recognized in the mortgage industry as the #5 Veteran Loan Originator and #7 VA Loan Originator in the country for volume during his career. His passion for helping veterans comes from his 18 years of service in the United States Air Force both on active duty and in the reserves. Jonathan is currently a Lt Colonel in the Air Force Reserves, a distinguished graduate of both Texas A&M University and Air Force Pilot Training, and a former AC-130 Evaluator Pilot. During his career on active duty Jonathan flew 1,271 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. Most importantly, he and his wife Lauren of 18 years are proud parents of their four amazing children Vivian(11), Evelyn(9), Ruth(7) and Jonathan(5).

Loan Products

Visit the IRRRL Website for more information!

As a fellow veteran, we understand the importance of keeping your hard-earned money in your pocket.

With our Streamline IRRRL program, you can reduce your monthly mortgage payments by taking advantage of the current lower interest rates. You won’t have to worry about any third-party closing costs or lender fees. There’s no income or appraisal required, and the streamline paperwork process is simple and straightforward. We will arrange for a free mobile notary to come to you, so you can close the loan when and where you want, at your own convenience. We are dedicated to serving veterans like you and are ready to help you through the entire refinance process.

Personal Blogs

Additional Loan Products

Customer Reviews

Nathan Knapp

Jon Kulak and team were straightforward, professional and worked hard for me. Everything I was told would happen worked exactly as stated. I highly recommend Trident to those looking for honesty as they purchase a home. I will certainly look to Trident again

Lorrie-Diane Randle

Our mortgage loan experience was handled with true excellence at every step of the process. Jonathan Kulak & his entire team were simply a joy to work with during the busy time of buying a home / securing a mortgage. Each team member was responsive, helpful, & always courteous. Every question was answered thoroughly, with respect. Their commitment to extending TRUE customer service, (vs. merely lip service promising such, but not actually delivering,) was so appreciated by us. Trust in your home loan company cannot be measured. Our experience with Trident Home Loans was like knowing you had “The A-Team” in our corner. We knew they were working diligently for us, as we moved closer to ownership of our dream home.

Lorrie-Diane Randle


Of particular mention: Jonathan Kulak has written thorough, informative online articles that addressed specific questions we had. Moreover, he was most gracious with his time when speaking via phone when clarifying a few questions we had — even prior to submitting our mortgage application. Due to his considerate manner, as well as his solid knowledge of home loans, (most especially V. A. loans in our case,) we decided that Trident was our home loan company of choice. Each person was truly professional, but we must also specifically recognize Shaundra for her expertise. She was instrumental in bringing us to the finish line, & ensuring accurate closing of our loan. Trident Home Loans will do the same for you. Entrust the biggest investment of your life to them, your home. They will treat you right. Then, tell someone else!

Chad Stewart

The team at Trident is great! I’m a military pilot transitioning to a civilian airline career and I don’t think there is anyone in the business that can navigate this kind of situation quite like Jonathan and his team. I’ve used them for 2 VA mortgages and a VA IRRRL already and will use them again no question. If you’re a military pilot, especially one transitioning to a civilian career, call Trident and have them help you navigate the process. You won’t regret it

Zach Edwards

“I worked with Jon Kulak and Taylor Stacy mostly through the process of getting my first home loan. I was pre approved by 6 different lenders but the people at Trident were competitive, courteous of my schedule, and seemed to actually care about getting me the best deal while interest rates have been going up. I’d recommend any of my friends to give them a call just like one of my friends recommended them to me.”

Nicholas Mann

“Jon Kulak and Olivia Allen were a huge help in my family buying a new home while transitioning out of the military. Very responsive and always helpful!”

Walter S

Jonathan Kulak and Olivia Allen were amazing. Very responsive and worked diligently to make our home purchase happen. They walked us through every step breaking everything down to include closing costs/numbers.

Even when on vacation, they took our calls, answered questions, and were available to assist. Overall very satisfied with this team and will utilize them again in the future. Thank you!

Francis G

Thank you very much to Jonathan Kulak & Team at Trident Home Loan for the amazing support and dedication they provided throughout the entire process of purchasing my new home. Not only did they find a great rate but they care about the service they provide. Jon and Tyler both worked hard to overcome all hurdles that came with my situation. They were available anytime I needed to ask questions (and I had many) and made me feel comfortable by explaining the loan procedures throughout the entire process. The entire team was friendly, professional, and caring. I highly recommend Jon and his team if you are looking for a home loan.

John P

This is the only choice you need to make when buying a home. They take care of you every step of the way. They are trustworthy and work hard for you and every single turn. On top of that, they will get you the best dang rates.

As a first time homeowner there was so much I didn’t know but I was lucky enough to get recommended to Jon and Team (Olivia and Shaundra did all the real work!).

End of story, go with Trident and Jon’s team.

Josephine Reiner

Jonathan Kulak and the team were great to work with—efficient and fast. Will use again

Justin Stevens

The experience with Trident was great. During the purchase of our home, Jonathan and his team made the lender process very straightforward and greatly reduced the amount of stress we had through our purchase. Highly recommend Trident!

Awards & Affiliations


More Information

State Licenses

Alabama: 72496, Alaska: AK1403506, Arizona: 1006814, Arkansas: 116478, California: CA-DBO1403506, Colorado: 100514073, Florida: LO32162, Georgia: 66690, Idaho: MLO-2081403506, Kansas: LO.0044524, Kentucky: MC701408, Louisiana, Michigan: 1403506, Minnesota: MN-MLO-1403506, Mississippi: 1403506, Missouri: 1403506, Nebraska, New Mexico, Ohio: MLO-OH.1403506, Oklahoma: MLO19176, Oregon, Pennsylvania: 81547, South Carolina, South Dakota: MLO.09362, Tennessee: 176685, Texas, Utah: 11674295, Virginia: MLO-38907VA, Washington: MLO-1403506, Wisconsin: 1403506.

Jonathan Kulak | NMLS 1403506 | 
6723 Plantation Road, Pensacola FL, 32504

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