Get Pre-Approved

Speak with one of our VA Loan Experts to find out what you’re approved for. Be prepared for the process ahead with confidence!
Education. Join us at our next Free VA Home Loan Seminar to learn more about the entitlement you have earned.

 

Find Realtor

Once you know how much you can afford and what your monthly mortgage payment will be, it’s time to find a Real Estate Agent who will help you find your home, check out our How to Find a Realtor post.

 

View Properties

Your agent will help you narrow down homes based on your family’s needs and criteria. Once you find the right home, your agent will write up a contract and submit your offer to the seller. When your offer gets accepted, the loan process begins.

 

Start Escrow

Congratulations! You are on your way to becoming a homeowner! Meet with your loan officer to sign the loan application and disclosures. Discuss the loan process and set expectations, lock your interest rate and confirm monthly mortgage payment. The loan goes to Processing and Underwriting. Our processing team orders the appraisal, title report, and other necessary documents. Then, your loan gets submitted to Underwriting for approval. There may be some paperwork that needs to be updated, and your loan team will let you know what else may be required for final loan approval.

 

Closing, Funding, and Recording

Loan is approved! Next is Signing day – After signing your loan documents, your lender sends funds to escrow. Then you have a “beach day,” – Relax while your documents are reviewed. Finally, Loan Recordation Day is Here – Congratulations! You get the keys, and you are now a homeowner!

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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