Lessons from Local Leaders:

Milton Zuniga

From Mechanics to Mortgages: How Milton Zuniga Found Purpose Through Homeownership and Giving Back

When you sit down with Milton Zuniga, a Branch Partner and Loan Officer at ALCOVA Mortgage, you immediately feel two things: authenticity and heart. In our recent conversation on the Alimond Show, Milton walked us through his winding path into the mortgage industry—from mechanic and fitness buff to healthcare hopeful—and how a conversation with a friend set him on the road to real estate.

But it wasn’t real estate sales that called to him—it was lending. “I had no idea what a loan officer even did,” he laughs. “But someone told me I was good with people and numbers… and the rest is history.”

The Drive to Do More Than Close Deals

Milton’s motivation runs deeper than commission. “There’s something powerful about helping someone achieve a dream they thought was impossible,” he says. “Especially in the Latino and African-American communities I work closely with—homeownership changes lives.”

That purpose drives his approach. Milton is known for his problem-solving skills and his calm, confident guidance through what is often an intimidating mortgage process. Whether it’s walking clients through down payment assistance programs or providing financial education at first-time homebuyer seminars, he ensures clients know their options.

“Sometimes the advice I give surprises people,” Milton shared. “I’ll say, ‘Don’t buy a house.’ Not because I don’t want to help—but because if you’re not ready, you shouldn’t feel pressured. But if you are ready? Let’s make it happen the right way.”

A Story That Sticks

One recent success story still gives Milton goosebumps: A military couple who thought homeownership was out of reach. After a year of credit repair, budgeting, and dedication, they closed on their first home—with less than $800 out of pocket. “Now they’re in their home, and I’m invited to the housewarming barbecue. It’s moments like that that keep me going.”

Leading With Humility (and Humor)

When asked about leadership, Milton chuckled, “I’m lazy. Just kidding. I lead by example.” Whether he’s showing up for his team, staying in shape, or keeping a balanced life with his two cats and two dogs, Milton believes in walking the talk. And while he won’t be waking up at 4:30 AM for a cold plunge anytime soon, he does prioritize doing the right thing—even when no one’s watching.

The culture at ALCOVA, he says, is what makes the difference. “I can call the owner right now, and he’ll pick up. They support us—not just as employees, but as people who want to make a difference.”

Giving Back to Where It All Began

For Milton, making a difference extends well beyond the mortgage world. Each year, he hosts a massive Thanksgiving Turkey Drive in his old neighborhood, Kingsley Commons. What started with 40 turkeys and his mom’s help has grown into over 650 full meal packages—complete with sides, chickens, turkeys, and more.

“I remember seeing moms in line with babies and no socks in the freezing cold,” he recalled. “You realize how easy it is to make an impact. That’s why I do it.”

He’s expanded his outreach to include backpack drives, toy donations, and year-round community support. “If people from my neighborhood see me doing this, maybe they’ll think, ‘I can too.’ That’s what it’s about.”

A Mortgage Advisor Who’s More Than Just Numbers

Milton’s multicultural upbringing—Costa Rican father, Czech mother, and a childhood spent in a lively, shared household—has shaped his global outlook and inclusive spirit. “It just makes you more empathetic,” he said. “I’ve always been someone who can connect with anyone, and I think that’s part of why people trust me.”

Trust is something Milton inspires naturally, whether it’s through his transparency, his empathy, or his unexpected humor in a Dollar General checkout line. “I try to give people confidence. Buying a home is a big deal. You should feel capable—and excited.”

Want to connect with Milton Zuniga?
You’ll find him at ALCOVA Mortgage in Vienna, VA—or giving out turkeys, hosting educational events, or helping the next family take that life-changing step toward homeownership.

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