Let Us Help You

Find The Right Loan.

FHA offers loans for those with lower credit scores and offers lower down-payments than other loan products.

Aligned Mortgage offers No Lender Fees on FHA Loans!


Start Your FHA Pre-Approval!

This is your first step to see how you can qualify for a lower down payment than other loans. We will be here to guide you through the loan process.

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Have More Questions?

(808) 677-5626

Is The FHA Loan Right For You?

What Is An FHA Loan?

FHA loans are originated by FHA-approved lenders and insured by the Federal Housing Administration. FHA mortgage loans must adhere to these lending guidelines, including but not limited to:

  • The safety of the property being purchased,
  • The financial capabilities of the borrower
  • The balance of the loan in relation to local incomes

FHA loans are designed for low and moderate-income earners, as they allow for lower down payments and lower credit scores than conventional loan options. They can be used for:

  • Single-family homes
  • Multifamily properties (up to four units)
  • Manufactured and mobile homes
  • Condos

Qualifying For An FHA Loan

Since FHA loans come with the financial safety net of government backing, lenders can loan to borrowers who have lower credit scores or smaller down payments. Generally, it is easier to qualify for an FHA loan than other loan programs particularly conventional loans. Learn More About FHA Loans

Why Choose Aligned Mortgage

Our Mission

To aggressively serve our community, veterans and their families, through education and facilitation of the Government loans, while advocating for our local military and community.

No Lender Fees

Aligned Mortgage offers no lender fees on all Government loans! Including FHA, USDA, VA loans

Transparency & Communication

Delivering world-class service and education to the men and women that are serving or who have served our country during the home buying or refinancing process. We practice responsible communication. Ensuring it is always clear, complete and current.

Close Your Loan in 30 days

Our team’s expertise provides a smooth loan process for the borrower, often closing within a month. Do not let anyone tell you it takes too long to close a FHA Loan!

Veteran Led Team

Our Vision
To ensure that anyone who has defended our country will have an opportunity to own a piece of it. We also strive to help our local community invest in themselves and their families through homeownership using the FHA loan.

Respectful – Always showing we care

Everyone deserves our courteous attention, regardless of the circumstances. We do everything with intention and purpose.

Five Star Rated Business

We Take Pride In What Our Veterans Have To Say About Our Service.

The folks at Aligned were helpful, patient, and more than willing to answer all our questions and concerns as first time home buyers. They made the process easy.

Court M.

What a refreshing organization that is serving the community and leading people to a better home. You will feel the heart of Tony as he explains the importance of helping those around him and leading people to a secure future. Aloha Tony for all you are doing.

Mark B.

Had a wonderful experience purchasing our home regardless of our apprehensions, time constraints and lack of experience in the Hawaiian market. We purchased a home on the mainland using the VA loan but were left confused. We were not provided with the education and tools Aligned Mortgage provided us with. We highly recommend them for your next home purchase.

Cris T.