**Under Construction**

Realtor-Associate

Lic#: 00-00000
Email: Ima.Realtor@dakinehawaii.com
Phone: (808) 333-3333
DakineHawaii
151 Da K Ine Rd
5-O, HI 96222

Realtor-Associate

Lic#: 00-00000
Email: Ima.Realtor@dakinehawaii.com
Phone: (808) 333-3333
DakineHawaii
151 Da K Ine Rd
5-O, HI 96222

Veterans Choice Home Loans - A Division of Mann Mortgage
Veterans Choice Home Loans - A Division of Mann Mortgage

Ima Realtor

Lorem ipsum dolor sit amet, est et commune ocurreret, agam ocurreret nam id, ad graeco eripuit consulatu sea. Ius velit summo detraxit et, natum admodum reprimique te nam. Interesset reprehendunt mel ei, omnes convenire instructior vis at, no duo intellegat disputationi. Cum utinam doctus inciderint at, vide tempor omittam te ius. Sit libris euismod definitionem at, est aliquid omittam volutpat ad, eos ut equidem adversarium. Quo quas vidit an, nam noster aliquid consulatu no.

Eu timeam eloquentiam consequuntur per, has munere possim ea. Corpora molestie recteque mea at. Audiam minimum consequuntur sed ne, sed ut sumo hinc numquam. Wisi concludaturque usu cu. His errem nostro causae id. Ne mucius aperiri efficiendi qui. Has reque latine nominavi ex, ad autem commune eam.

Vim ex veritus torquatos. Qui eu sumo percipit assentior, oratio ornatus accusamus et sed. Nisl ornatus vel ne, ius ea eius porro, cu his diam quaestio. Epicurei praesent ei sea, pro nonumy malorum detracto te, omnium delenit perpetua his ea. Mei vidisse intellegebat in, affert integre mei ut, et solum ubique nostrum sea. Everti singulis usu ut, et vivendo democritum nec.

 

Resources to Get You Started >>

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

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

County
Loan Limit
All Counties

$765,600

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.

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 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.

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.

Home Search

Ima Realtor

Lorem ipsum dolor sit amet, est et commune ocurreret, agam ocurreret nam id, ad graeco eripuit consulatu sea. Ius velit summo detraxit et, natum admodum reprimique te nam. Interesset reprehendunt mel ei, omnes convenire instructior vis at, no duo intellegat disputationi. Cum utinam doctus inciderint at, vide tempor omittam te ius. Sit libris euismod definitionem at, est aliquid omittam volutpat ad, eos ut equidem adversarium. Quo quas vidit an, nam noster aliquid consulatu no.

Eu timeam eloquentiam consequuntur per, has munere possim ea. Corpora molestie recteque mea at. Audiam minimum consequuntur sed ne, sed ut sumo hinc numquam. Wisi concludaturque usu cu. His errem nostro causae id. Ne mucius aperiri efficiendi qui. Has reque latine nominavi ex, ad autem commune eam.

Vim ex veritus torquatos. Qui eu sumo percipit assentior, oratio ornatus accusamus et sed. Nisl ornatus vel ne, ius ea eius porro, cu his diam quaestio. Epicurei praesent ei sea, pro nonumy malorum detracto te, omnium delenit perpetua his ea. Mei vidisse intellegebat in, affert integre mei ut, et solum ubique nostrum sea. Everti singulis usu ut, et vivendo democritum nec.

 

Resources to 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 the retired list, transfer to other honorable service or continuation in Selective Reserves.

Other individuals who may qualify are those discharged for a service-connected disability, 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

County
Loan Limit
All Counties

$765,600

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 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

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.

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

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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.

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
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TOTAL

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

Stay Informed

Stay Informed

New Listing Notifications

New Listing Notifications

Current Market Reports

Current Market Reports

“Koa slayed dragons in every facet, and at every phase, of our recent home purchase. Down-to-earth, calm/cool/collected, tireless worker, and awesome communicator. I consider Koa a part of our family now, will push business his way at every turn I encounter, and will use him for every future real estate need of my own. Mahalo.

Robert Y.

“Koa is a credit to the profession, and I appreciated his guidance and mentorship. This was my first home and the experience was a very nervous and stressful time for me. Many times I was led one way or another and without Koa’s guidance there was a good chance I would have pulled out of my offer and regretted it later. I look forward to working with him in the purchase of my next property further down the road. Best regards and much mahalo brother.”

Aaron Y.

“I am very impressed with Koa Cassady’s expertise, knowledge and patience. He was extremely helpful in guiding me along the way and made the purchase of my new home a very pleasant experience. He has helped me achieve my dream of becoming a homeowner and I will be forever grateful. Thank you Koa for a job well done!”

Lisa H.

Please visit our Disclosures page for more details for all loan types.

This advertisement does not constitute or imply the endorsement, recommendation, or favoring of the Realtor or Aligned Mortgage.

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