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Compare Your Loan Options

Loan Type
Key Benefits
Worth Considering if You..
VA Loans 100% Financing available

No private mortgage insurance requirement

Flexible qualification guidelines

- Have served our country in the military


- Have limited funds for a down payment


- Are looking to save monthly by not paying PMI

FHA Loans As little as 3.5% down payment

Flexible qualification guidelines

Fixed-rate

- Have limited funds for a down payment


- Don’t have an established credit history


- Have experienced credit challenges in the past

USDA Loans 100% financing available

Government-backed program

Intended to help grow home-ownership in rural areas

- Are purchasing in a qualifying rural area


- Meet the program’s income guidelines


- Have little or no money for a down payment

Conventional Fixed Rate Loans The lowest fixed rates for eligible buyers

No interest rate surprises

- Plan to stay in your home for a long time


- Have an established credit history


- Can put at least 3% down on a home


- Want to purchase a second home in a resort area or in another state

Jumbo Loans Increased purchase limits for higher-priced properties

Competitive rates

Fixed-rate and ARM options

Low down payment options

- Are buying a home that exceeds conforming loan limits


- Have an established credit history

Investment property loans Financing for the residential rental property with 1-4 units

A variety of loan options to choose from

- Want to become a landlord
Adjustable Rate Mortgages (ARMs) The lowest short-term rates

Initial lower monthly payments

Initial rate periods of 3-10 years, then rates can adjust

- Know you’ll be moving within the next few years


- Have an established credit history


- Can put at least 5% down on a home

Loan TypeKey BenefitsWorth Considering if You...
VA Loans*100% financing available
 
No private mortgage insurance requirement
 
Flexible qualification guidelines
Have served our country in the military
 
Have limited funds for a down payment
 
Are looking to save monthly by not paying PMI
FHA LoansAs little as *3.5% down payment
 
Flexible qualification guidelines
 
Fixed-rate
Have limited funds for a down payment
 
Don’t have an established credit history
 
Have experienced credit challenges in the past
USDA Loans*100% financing available
 
Government-backed program
 
Intended to help grow home-ownership in rural areas
Are purchasing in a qualifying rural area
 
Meet the program’s income guidelines
 
Have little or no money for a down payment
Conventional Fixed Rate LoanThe lowest fixed rates for eligible buyers
 
No interest rate surprises
Plan to stay in your home for a long time
 
Have an established credit history
 
Can put at least *3% down on a home
 
Want to purchase a second home in a resort area or in another state
Jumbo Loans Increased purchase limits for higher-priced properties
 
Competitive rates
 
Fixed-rate and ARM options
 
Low down payment options
Are buying a home that exceeds conforming loan limits
 
Have an established credit history
Investment property loans Financing for the residential rental property with 1-4 units
 
A variety of loan options to choose from
Want to become a landlord
Adjustable Rate Mortgages (ARMs) The lowest short-term rates
 
Initial lower monthly payments
 
Initial rate periods of 3-10 years, then rates can adjust
Know you’ll be moving within the next few years
 
Have an established credit history
 
Can put at least *5% down on a home

What Items Do I Need for My Mortgage Application?

Below is a partial list to get started, and your loan team can tell you about any additional requirements.

Residential History

  • Your residential address for the past two years
  • Landlord names and addresses for the past two years.

Personal Assets

  • Bank account statements from the most recent months for all checking and savings accounts
  • Other asset statements from the past two months for any CDs, IRAs, stocks, bonds or other securities you intend to use for your down payment
  • Current real estate holdings, including property address, current market value, mortgage lender’s name, and address, loan account number, balance, and monthly payment

Employment & Income History

  • Paycheck stubs from the last 30 days showing your year-to-date earnings
  • W-2 or I-9 tax forms (issued by your employer) for the past two years

Personal Debt

  • A list of any new monthly debts not listed on your credit report (auto loans, student loans, mortgage loans, credit cards, etc.), including creditor name, address, account number, minimum monthly payment amount and the outstanding balance on each account.

How do I get started?

Whether you are buying your first home, a new investment property or building the home of your dreams, Aligned Mortgage Loan Officers offer years of education and expertise to help you understand the loan options that will fit your unique needs.

 

How do I get started?

Whether you are buying your first home, a new investment property or building the home of your dreams, Aligned Mortgage Loan Officers offer years of education and expertise to help you understand the loan options that will fit your unique needs.

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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