VA HOME LOANS.
IT'S WHAT WE DO.

OWN A PIECE OF THE LAND
YOU DEFENDED.

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Why use your VA Home Loan Benefit?

NO DOWN PAYMENT REQUIRED

The VA home loan remains one of the only lending programs on the market that offers a zero down payment* mortgage. Most lending programs require at least some form of down payment, with popular amounts ranging from 3.5% to 20%*. Borrowers using the VA loan can purchase immediately with no money down, avoiding years of saving up while paying rent to someone else.

NO MONTHLY MORTGAGE INSURANCE

VA loans do not require mortgage insurance, even when the home buyer is putting no money down. As a result, the Veteran not only saves cash upfront but can also save thousands over the lifetime of the loan and give the buyer more purchasing power when shopping for a home.

FLEXIBLE UNDERWRITING GUIDELINES

Qualifying credit factors such as FICO Credit Score, collections, debts and judgments are all considered with common sense underwriting reviews. Not every credit report is indicative of a Veterans true walk in life. At Aligned we work to find a way to make every Veteran a homeowner. Its just common sense. VA loans also allow for a higher debt-to-income ratio than other types of mortgages.

The VA home loan remains one of the only lending programs on the market that offers a zero down payment* mortgage. Most lending programs require at least some form of down payment, with popular amounts ranging from 3.5% to 20%*. Borrowers using the VA loan can purchase immediately with no money down, avoiding years of saving up while paying rent to someone else.

VA loans do not require mortgage insurance, even when the home buyer is putting no money down. As a result, the Veteran not only saves cash upfront but can also save thousands over the lifetime of the loan and give the buyer more purchasing power when shopping for a home.

Qualifying credit factors such as FICO Credit Score, collections, debts and judgments are all considered with common sense underwriting reviews. Not every credit report is indicative of a Veterans true walk in life. At Aligned we work to find a way to make every Veteran a homeowner. Its just common sense. VA loans also allow for a higher debt-to-income ratio than other types of mortgages.

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VETERANS EDUCATED

EVERYTHING YOU NEED TO KNOW

THE BASICS

Learn about the VA Loan Buying Process

ELIGIBILITY

Check for Your VA Certificate of Eligibility

CALCULATOR

Check our Military Pay Calculator

THE CHECKLIST

View the VA Home Loan Checklist

MORTGAGE

See our Free VA Mortgage Guide

CALCULATOR

Debt-to-Income Ratio Calculator

EDUCATING VETERANS.
IT’S WHAT WE DO.

Our top priority is to educate and empower Military Veterans and Service Members about the VA Home Loan Benefit. We aim to assist every Veteran in owning a piece of the land they helped defend.