Loan Officer

NMLS#: 1893759 – Licensed in HI
Email:JohnPaul.Kaczmar@alignedmortgage.com
Phone: 808-465-2930
Mobile:808-838-9427

John Paul Kaczmar

John Paul is a United States Air Force Veteran. After honorably separating from the Air Force, he and his wife Beth and their American Bulldog, Nika, decided to move from San Diego to Hawaii to be close to Beth’s family here where she grew up, on Oahu.
It’s not easy to leave the purpose and identity and mission associated with the military. These elements of the Armed Forces made John Paul realize that whatever he did post Air Force, it had to be service and mission-oriented. This is why he considers himself beyond blessed to have the opportunity to serve as a Mortgage Loan Officer with the Aligned Mortgage Ohana. Aligned Mortgage is a giant family; one who takes care of every single one of their clients like they are family. Aligned’s mission and identity are clear; serve their community and serve those that served their country with world-class customer service. HOO-RAH!
John Paul’s passion is to educate. Whether the topic is loan products, credit reports, and scores, or how to engage a budget, his priority is to serve his clients’ best interest and positively impact them for life. He is confident that when making a decision as significant as buying a home, an automated app or automated online service will never be able to provide the financial education that can only come from a trusted and dedicated advisor and friend.

Quick Question? Contact me.

John Paul Kaczmar

John Paul is a United States Air Force Veteran. After honorably separating from the Air Force, he and his wife Beth and their American Bulldog, Nika, decided to move from San Diego to Hawaii to be close to Beth’s family here where she grew up, on Oahu.
It’s not easy to leave the purpose and identity and mission associated with the military. These elements of the Armed Forces made John Paul realize that whatever he did post Air Force, it had to be service and mission-oriented. This is why he considers himself beyond blessed to have the opportunity to serve as a Mortgage Loan Officer with the Aligned Mortgage Ohana. Aligned Mortgage is a giant family; one who takes care of every single one of their clients like they are family. Aligned’s mission and identity are clear; serve their community and serve those that served their country with world-class customer service. HOO-RAH!
John Paul’s passion is to educate. Whether the topic is loan products, credit reports, and scores, or how to engage a budget, his priority is to serve his clients’ best interest and positively impact them for life. He is confident that when making a decision as significant as buying a home, an automated app or automated online service will never be able to provide the financial education that can only come from a trusted and dedicated advisor and friend.

<<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.

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 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.

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.

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.

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).

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.

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.

VA Loan Calculator

Principal & Interest Expense:
Taxes:
Insurance:
HOA Expense:
PMI Expense:
Monthly Payment:
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.

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.

Loan Calculator

VA Loan Calculator

Principal & Interest Expense:
Taxes:
Insurance:
HOA Expense:
PMI Expense:
Monthly Payment:

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.

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