We empower veterans to own a piece of the country they defended
VA HOME LOANS.
IT'S WHAT WE DO.
WE ARE VA HOME LOAN EXPERTS. BUT DON'T TAKE OUR WORD FOR IT. LET OUR CUSTOMERS TELL YOU.
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 Veteran’s true walk in life. At Aligned we work to find a way to make every Veteran a homeowner. It’s just common sense.
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.
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.
