SHAWN SUTTON

NMLS#: 1462610 Shawn A. Sutton is a current member of the Army Reserve and spent 15 years serving as an Army Officer while on active duty. He enjoys football, basketball, and baseball, and is a homegrown fan, with Georgia teams being his favorite. He is a family man married to his beautiful wife, and together […]

Certificate of Eligibility (COE) and the VA Home Loan

Certificate of Eligibility (COE) and the VA Home Loan  To qualify for a VA home loan, you must be either active duty military, a Veteran, or surviving spouse and meet specific eligibility requirements. But that’s not all. The Veterans Administration insists you have satisfactory credit, sufficient income, and a valid Certificate of Eligibility (COE). Although […]

Prequalified Versus Preapproved: What’s The Difference?

If You Thought Being Prequalified Was Enough, Think Again Although we live in an ever-changing market where interest rates fluctuate faster than the tides, what has remained steadfast when buying a home, including those using VA loans, is the preapproval letter.  What’s the big deal about a preapproval letter? After all, didn’t you already receive […]

9 Key Takeaways From The VA Cash-Out Refinance Loan

9 Key Takeaways From The VA Cash-Out Refinance Loan VA-backed refinance options are gaining popularity with qualified borrowers looking to explore lower interest rates, take cash out of their home’s equity, or simply refinance a non-VA loan into a VA-backed loan. The VA Cash-Out refinance loan offers many advantages of the VA loan program. It […]

Can I Afford To Buy A House?

Can I Afford to Buy a House? From the moment Pilgrims landed at Plymouth Harbor, the race was on, and each generation began chasing its version of the American dream. For many, including veterans and those in the military community who sacrificed to defend our rights, homeownership, and the security it offers, makes up a […]

Refinance A VA Mortgage Into A VA IRRRL

Refinancing a VA Mortgage Into a VA Streamline (IRRRL) It’s no secret that the primary reason most people choose to refinance their home loans is to take advantage of lower interest rates, which, in turn, shaves off a slice of their mortgage payments. Veterans and active military holding VA-backed home loans and who are looking […]

First-Time Home Buyers And The VA Home Loan

5 Ways VA Home Loans Benefit First-Time Homebuyers As a current or former member of the military, you proudly served your country and made your share of sacrifices along the way. Now it’s time to consider buying your piece of the American dream and becoming a homeowner. Why not just rent, you ask? The primary […]

Is The FHA Loan Right For You?

Is an FHA Loan Right for You? Thanks, in part, to lenient low down payment and credit requirements, plenty of borrowers find FHA loans appealing. Consider that you can get an FHA loan with a down as low as 3.5 percent and a FICO score of 580, and you can see how attractive they are […]

The VA Home Loan Program – The Basics

What is the VA Home Loan Program? Powerful, flexible, and quirky are three popular descriptions you’ll hear regarding the Veterans Administration loan program, more commonly known as the VA loan. Why? Powerful because the VA loan has lending powers backed by the U.S. government. Flexible because the Department of Veterans Affairs doesn’t require a down […]

New Loan Programs Available from Aligned Mortgage

FHA and usda loan programs at aligned mortgage Our dedicated team at Aligned Mortgage considers it a privilege and an honor to serve our Veteran and military community. Taking care of those who have and continue to protect us selflessly is what we do best. For nearly 20 years, Tony Dias and his team have […]