So you’re thinking about buying a home? Congratulations! You’ve served your country, now it’s time you own a piece of it. Let Aligned Mortgage guide you and prepare you for the exciting road ahead.

1. Learn About Your VA Home Loan Benefit

  • At Aligned Mortgage, we believe every veteran should be educated on the benefit they have earned. We offer free VA Home Loan seminars a few times each month. Come join us at our next seminar to learn the ins and outs of the VA Home Loan. We will dispel myths and uncover the truth about your benefit, and answer any questions you may have about purchasing a home with your VA entitlement. Click here to reserve your seat today! Register Here
  • Download our free VA guide here to learn more.
  • Speak with a VA Loan Expert today to learn more and get all your questions answered.

2. Manage Your Finances

  • Control your debt – buying a home is probably the most expensive thing you’ll buy in your lifetime, now is the time to watch your spending!
  • No new purchases
  • Continue paying your bills on time
  • Save money where you can. There is no down payment required for a VA loan, but there could be closing costs associated with your loan.
  • Learn how to manage your credit here.

3. Get Pre-Approved

  •  Speak with a VA loan expert to get pre-approved. They will sit down with you and answer your questions, review your documentation and credit report, and run your loan application through an Automated Underwriting System.
  • A Pre-Approval allows you to be confident in your buying power to know exactly what you’re approved for, and how much you’ll be paying each month for mortgage expenses. Now all that’s left to do is find your home!

4. Find Your Real Estate Agent

  • Now that you know what you’re approved for, you need to find an expert real estate agent to help you find the home you’re looking for. There are many excellent agents that can assist you, click here for more information on how to find yours. (link to how-to-find-realtor blog)
  • Your Realtor will send you listings of homes you may be interested in. You will narrow down properties by viewing them online or going to open houses.
  • Your Realtor will write up a sales contract and submit offers on the homes you love, and when your offer is accepted by the seller, you go into escrow and start the official loan process! Congratulations!

Helpful Tips of What Not to Do:

1. Do Not quit or change your job. Lenders are qualifying you based on your income and credit. Changing your income can change what you’re approved for.
2. Do Not apply for new credit or co-sign for anyone. This could negatively affect your credit or debt-to-income ratio, which in turn can change what you’re approved for.
3. Do Not make any significant purchases during the loan process (wait until after you own the home before buying new furniture or that new car!)
4. Do Not pay off loans, collections, credit cards, etc. without discussing with your Loan Specialist first. This could affect your credit profile and again could change what you were approved for.

Aligned Mortgage - Waipio
94-539 Puahi Street
Waipio, HI 96797
NMLS #1696573
Licensed in Hawaii -Texas -Oregon -California
Waipio@AlignedMortgage.com
Phone 808-677-5626

Aligned Mortgage - Hilo
99 Aupuni St STE 108
Hilo, Hawaii 96720
NMLS #1727609
Licensed in Hawaii
Hilo@alignedmortgage.com
Phone (808) 495-0317

Aligned Mortgage - San Antonio
1027 Austin Hwy STE 101
San Antonio, TX 78209
NMLS #1695733
Licensed in Texas - California
SanAntonio@alignedmortgage.com
Phone 210-874-1630

 © 2018 American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.
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Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of savings and mortgage lending, 2601 north Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

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