
Loan Officer
Licensed in HI, CA, VA
Blaze.Ryder@AlignedMortgage.com
Phone: 808-222-6968
Blaze Ryder
NMLS# 1924713
Blaze Ryder is a local boy born and raised on the eastside of Oahu. He attended Kamehameha Schools Kapalama and was member of the varsity football team. His talents on the field and in the classroom landed him a scholarship to play football at the United States Naval Academy in Annapolis, Maryland. The lessons and fundamentals Blaze learned at the Academy have molded him into the individual he is today. Playing for the midshipmen and wearing the navy blue and gold is still one of the greatest adventures of his life. Upon graduation from the United States Naval Academy Blaze was commissioned as a surface warfare officer and blessed with the opportunity to serve our country and lead our extraordinary men and women in the service. Blaze served two tours onboard the USS Preble and completed two deployments taking him across the world before his transition back into the civilian world.
What stood out to Blaze about Aligned mortgage is the emphasis placed on educating veterans. In addition, their presence in the community is a pillar in the company that Blaze was drawn to as it coincided with his own goals and beliefs. Aligned mortgage provides Blaze with a unique ability to serve both worlds in his life, both the military and his local community.
Blaze grew up in a multi-generational home and understood at an early age that the wealth of Hawaii is in its land. At this point in Blaze’s life many of his peers are beginning to start their families and build their own futures. Knowledge is power and Blaze’s goal, like Aligned Mortgage, is to educate individuals young and old, military and civilian. Whether the individual is a veteran or a civilian, Blaze believes that everyone deserves the chance to own a piece of the beautiful and unique place we are fortunate enough to call our home.
Quick Question? Contact me
Blaze Ryder
NMLS# 1924713
Blaze Ryder is a local boy born and raised on the eastside of Oahu. He attended Kamehameha Schools Kapalama and was member of the varsity football team. His talents on the field and in the classroom landed him a scholarship to play football at the United States Naval Academy in Annapolis, Maryland. The lessons and fundamentals Blaze learned at the Academy have molded him into the individual he is today. Playing for the midshipmen and wearing the navy blue and gold is still one of the greatest adventures of his life. Upon graduation from the United States Naval Academy Blaze was commissioned as a surface warfare officer and blessed with the opportunity to serve our country and lead our extraordinary men and women in the service. Blaze served two tours onboard the USS Preble and completed two deployments taking him across the world before his transition back into the civilian world.
What stood out to Blaze about Aligned mortgage is the emphasis placed on educating veterans. In addition, their presence in the community is a pillar in the company that Blaze was drawn to as it coincided with his own goals and beliefs. Aligned mortgage provides Blaze with a unique ability to serve both worlds in his life, both the military and his local community.
Blaze grew up in a multi-generational home and understood at an early age that the wealth of Hawaii is in its land. At this point in Blaze’s life many of his peers are beginning to start their families and build their own futures. Knowledge is power and Blaze’s goal, like Aligned Mortgage, is to educate individuals young and old, military and civilian. Whether the individual is a veteran or a civilian, Blaze believes that everyone deserves the chance to own a piece of the beautiful and unique place we are fortunate enough to call our home.
<<Resources to Help Get You Started >>
- Program Eligibility
- Loan Limits
- Funding Fee
- Closing Costs
- Free VA Loan Guide
- VA Refinancing
- Military Pay Calculator
- Loan Calculator
- BAH Charts
If you served in the Army, Navy, Air Force, Marine Corps or Coast Guard, you are eligible if you meet the minimum service days detailed below.
Selected Reserves or National Guard qualifications require 6 years of active membership and honorable discharge, placement on retired list, transfer to other honorable service or continuation in Selective Reserves.
Other individuals who may qualify are those discharged for a service-connected disabilty, the un-remarried spouse of a veteran who died in service or from a service-connected disability or the spouse of a Prisoner of War or someone Missing in Action.
As of January 1st, 2020 the VA has changed its Loan limit to NO LIMIT!
With full entitlement intact, Lenders will have different requirements on their loan limits based on your FICO score. Aligned Mortgage, our minimum credit score is just 580 if your loan amount is below the county loan limit. Anything over that is on a case by case basis.
Hawaii Loan Limit
Loan Approval is that of the sales price or appraised value whichever is less if the full Certificate of Eligibility is intact.
The VA Funding Fee is generally paid by all home buyers using the VA Home Loan Guaranty and it goes directly to the VA to help sustain the program. Factors that impact your Funding Fee include branch of service, down payment amount, number of times used, and disability status.
Click on Image To Enlarge Funding Fee Chart
VA Funding Fee Breakdown
Veterans and active military buyers receiving compensation for a service-connected disability and deemed more than 10% disabled by the VA are exempt from paying the Funding Fee.
Other Fees
Some lenders charge additional lender fees, assessed, and collected by the lender during your loan process. Those fees can include application, origination, processing, and underwriting charges. Aligned Mortgage does not charge these other fees on VA home loans.
A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1-3% of the loan amount. Sometimes the buyer can receive seller or lender credits to cover closing costs. For instance, there is typically has a rate option that will allow the lender to cover your closing costs.
Rolling Closing Costs into Your Loan : An Example Scenario
You may have an option to pay points or fractions of a point to buy down your rate, pay zero points at a higher rate, or take a higher rate with rebate pricing that allows the lender to provide lender credits to cover closing costs. The below rate chart provides an example.
*Please note this is for example only and is not a current reflection of market rates.
Get our Free VA Mortgage Guide, your road map to getting VA loan financing for your dream home.
Please complete the form below to receive your VA Mortgage Guide.
Please check your “junk folder” if you don’t receive your VA Mortgage Guide. We invite you to contact us with any questions at all or register for our free VA home loan seminars.
Information Provided in the VA Mortgage Guide
- About VA Home Loans
- Benefits of VA Loans
- Eligibility
- Obtaining a Certificate of Eligibility
- VA Funding Fees
- VA Loan Closing Costs
- Myths Regarding VA Loans
- VA Loan Pre-Approval Checklist
- Step by Step Overview
By using your rank, years of service, the number of dependents, and location, this calculator expresses your Basic Pay, Basic Housing Allowance (BAH), and your Basic Allowance for Subsistence (BAS).
Location
BASIC
BAH
BAS
TOTAL
*This tool does not calculate COLA. Find your Hawaii Overseas COLA rate here.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Loan Calculator
Contact us if you have any questions.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Program Eligibility
To utilize the VA home loan program, you’ll need to first establish eligibility, or prove that you have earned the benefit. To do so, you’ll need to obtain your Certificate of Eligibility, or COE. Aligned Mortgage can help you get your COE during the pre-approval process. In the meantime, below is some detailed information on who generally qualifies for the program.
If you served in the Army, Navy, Air Force, Marine Corps or Coast Guard, you are eligible if you meet the minimum service days detailed below.
Selected Reserves or National Guard qualifications require 6 years of active membership and honorable discharge, placement on retired list, transfer to other honorable service or continuation in Selective Reserves.
Other individuals who may qualify are those discharged for a service-connected disabilty, the un-remarried spouse of a veteran who died in service or from a service-connected disability or the spouse of a Prisoner of War or someone Missing in Action.
Loan Limit
As of January 1st, 2020 the VA has changed its Loan limit to NO LIMIT!
With full entitlement intact, Lenders will have different requirements on their loan limits based on your FICO score. Aligned Mortgage, our minimum credit score is just 580 if your loan amount is below the county loan limit. Anything over that is on a case by case basis.
Hawaii Loan Limit
Loan Approval is that of the sales price or appraised value whichever is less if the full Certificate of Eligibility is intact.
Funding Fees
The VA Funding Fee is generally paid by all home buyers using the VA Home Loan Guaranty and it goes directly to the VA to help sustain the program. Factors that impact your Funding Fee include branch of service, down payment amount, number of times used, and disability status.
Click on Image To Enlarge Funding Fee Chart
VA Funding Fee Breakdown
Veterans and active military buyers receiving compensation for a service-connected disability and deemed more than 10% disabled by the VA are exempt from paying the Funding Fee.
Other Fees
Some lenders charge additional lender fees, assessed, and collected by the lender during your loan process. Those fees can include application, origination, processing, and underwriting charges. Aligned Mortgage does not charge these other fees on VA home loans.
Closing Costs
A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1-3% of the loan amount. Sometimes the buyer can receive seller or lender credits to cover closing costs. For instance, there is typically has a rate option that will allow the lender to cover your closing costs.
Rolling Closing Costs into Your Loan : An Example Scenario
You may have an option to pay points or fractions of a point to buy down your rate, pay zero points at a higher rate, or take a higher rate with rebate pricing that allows the lender to provide lender credits to cover closing costs. The below rate chart provides an example.
*Please note this is for example only and is not a current reflection of market rates.
VA Loan Guide
Please complete the form below to receive your Free VA Mortgage Guide.
Information Provided in the VA Mortgage Guide- About VA Home Loans
- Benefits of VA Loans
- Eligibility
- Obtaining a Certificate of Eligibility
- VA Funding Fees
- VA Loan Closing Costs
- Myths Regarding VA Loans
- VA Loan Pre-Approval Checklist
- Step by Step Overview
VA Refinancing
Loan Calculator
Loan Calculator
Contact us if you have any questions.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Military Pay Calculator
*This tool does not calculate COLA. Find your Hawaii Overseas COLA rate here.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Please visit our Disclosures page for more details for all loan types.