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Loan Officer

NMLS#: 369291 – Licensed in HI
Email: Dennis.Santiago@AlignedMortgage.com
Phone: 808-936-2202

Dennis Santiago

Dennis M. Santiago has been a Loan Officer for Aligned Mortgage since 2017. Previously, he worked for Mason McDuffie Mortgage and Guild Mortgage and American Savings Bank as a Branch Manager. As a Loan Officer serving Homeowners in the Hawaii Island area, Dennis enjoys assisting customers to purchase or refinance.

His success as a Loan Officer is supported by his excellent communication skills (he will call you back), combined with a passion for helping people realize their financial goals. His greatest strengths are his love for teaching and talking about loans and the lending process. Dennis graduated from UH Hilo with an Electrical Science degree. He has continued his professional education with certifications in Finance and NMLS. He brings 21 years’ experience in the lending and mortgage fields to his work as a Loan Officer. He has completed numerous courses in Business and Finance.

Dennis lives in Mt. View with his wife and their 1 cow. When not working, he likes to watch football, enjoys golf, and his greatest joy is spending time with his 2 grand babies Dakota (girl) and Skye (boy). He describes them as the “Greatest Toys a Grandpa could Ever Have.” Despite his busy career, Dennis makes time to be involved with community organizations. He is a member of the Puna Professional BNI Group Hilo and Kona Board of Realtors and has served as the Education Coordinator of the Puna Professional BNI Group. He has also done voluntary work for Surf Rider Foundation.

If you are looking to “BUY or Refi”………… I am your Guy!!!!

 

Have a Quick Question? Contact Me.

Dennis Santiago

Dennis M. Santiago has been a Loan Officer for Aligned Mortgage since 2017. Previously, he worked for Mason McDuffie Mortgage and Guild Mortgage and American Savings Bank as a Branch Manager. As a Loan Officer serving Homeowners in the Hawaii Island area, Dennis enjoys assisting customers to purchase or refinance.

His success as a Loan Officer is supported by his excellent communication skills (he will call you back), combined with a passion for helping people realize their financial goals. His greatest strengths are his love for teaching and talking about loans and the lending process. Dennis graduated from UH Hilo with an Electrical Science degree. He has continued his professional education with certifications in Finance and NMLS. He brings 21 years’ experience in the lending and mortgage fields to his work as a Loan Officer. He has completed numerous courses in Business and Finance.

Dennis lives in Mt. View with his wife and their 1 cow. When not working, he likes to watch football, enjoys golf, and his greatest joy is spending time with his 2 grand babies Dakota (girl) and Skye (boy). He describes them as the “Greatest Toys a Grandpa could Ever Have.” Despite his busy career, Dennis makes time to be involved with community organizations. He is a member of the Puna Professional BNI Group Hilo and Kona Board of Realtors and has served as the Education Coordinator of the Puna Professional BNI Group. He has also done voluntary work for Surf Rider Foundation.

If you are looking to “BUY or Refi”………… I am your Guy!!!!

<<Resources to Help Get You Started >>

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 preapproval 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.

90 Days During Wartime
181 Days During Peacetime
Sept 15th 1940 – July 1947
July 1947 – June 1950

June 1950 – January 1955

February 1955 – August 1964
February 1961* – May 1975

May 1975 – September 1980**
August 1990 – Present


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.

With VA loans, the amount you can borrow without having to put a down payment on your mortgage varies by location. Check out our charts below to verify the 2018 limits in your county.

Hawaii

County
Loan Limit
All Counties

$726,525

Texas

County
Loan Limit
All Counties
$453,100


If the home you want to purchase costs more than your county loan limit, you may still be able to use your VA loan benefit. A VA Jumbo Loan is available in some areas, and qualified home buyers can borrow up to $1,500,000 with the necessary down payment.

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.

VA Funding Fee Breakdown

ScreenShot1843

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 those 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.

Your Name (required)

Your Email (required)

Your Phone # (required)

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

The Veterans Administration backs refinance loans for qualified veteran and military homeowners. VA refinances have many of the typical advantages of VA purchase loans, and may be a fit for you if you’re looking to lower your monthly payments, shorten your loan term or cash out some equity. Visit our refinance page to learn more.

2019 Military Pay Calculator

By using your rank, years of service, number of dependents, and location, this calculator expresses your Basic Pay, Basic Housing Allowance (BAH), and your Basic Allowance for Subsistence (BAS).

Paygrade Years Dependents

Location
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BASIC
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BAH
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BAS
{{ finalPayResults() | currency:"$" }}
TOTAL

*This tool does not calculate COLA. Find your Hawaii Overseas COLA rate here.

VA Loan Calculator

Notes:

1. Select the Loan Type (Click on VA)2. Input the purchase variables3. Click on Calculate

Contact us if you have any questions.

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.

90 Days During Wartime
181 Days During Peacetime
Sept 15th 1940 – July 1947
July 1947 – June 1950

June 1950 – January 1955

February 1955 – August 1964
February 1961* – May 1975

May 1975 – September 1980**
August 1990 – Present


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

With VA loans, the amount you can borrow without having to put a down payment on your mortgage varies by location. Check out our charts below to verify the 2018 limits in your county.

Hawaii

County
Loan Limit
All Counties

$726,525
Texas

County
Loan Limit
All Counties
$453,100

If the home you want to purchase costs more than your county loan limit, you may still be able to use your VA loan benefit. A VA Jumbo Loan is available in some areas, and qualified home buyers can borrow up to $1,500,000 with the necessary down payment.

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.

VA Funding Fee Breakdown

ScreenShot1843

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 those 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.

Your Name (required)

Your Email (required)

Your Phone # (required)

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

VA Refinancing

The Veterans Administration backs refinance loans for qualified veteran and military homeowners. VA refinances have many of the typical advantages of VA purchase loans, and may be a fit for you if you’re looking to lower your monthly payments, shorten your loan term or cash out some equity. Visit our refinance page to learn more.

Loan Calculator

VA Loan Calculator

Notes:

1. Select the Loan Type (Click on VA)2. Input the purchase variables3. Click on Calculate

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.

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.
Consumer Access    Privacy Policy     Disclosures
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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