Family unpacking in their new home with VA Loan
First Time Homebuyers, and VA Home Loan Specialists.
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Here are Some Tools to Help Get You Started on Your Path to Home Ownership.

 

2018 Military Pay Calculator

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

Notes:

1. Select the Loan Type (Click on VA) 2. Input the purchase variables 3. 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.

 

Debt-to-Income Ratio Calculator

To view your Debt-to-Income Ratio, add your information into the boxes below. The “Totals” section will automatically populate as you fill out the form.

  • Your Income Details

  • Front End Ratio Inputs

  • Back End Ratio Inputs

  • Totals

 

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.

 

Free VA Mortgage Guide

Our Free VA Mortgage Guide is Your Roadmap to getting VA loan financing for your dream home.

Please complete the form below to receive your VA Mortgage Guide. 

Name (required)

Email (required)

Phone Number (required)

If you don’t receive your VA Mortgage Guide in your inbox, please check your “junk folder.” We invite you to contact us with any questions or register for a free VA loan seminar.

 

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

 

What Documents are Needed for a VA Home Loan Pre-Approval?

  • Application and Credit Card
  • Two Most Recent Federal Tax Returns and W-2’s
  • Two Most Recent Paystubs or LE
  • Two Most Recent Bank Statements, all pages in statement form
  • Quarterly Statements for All Stocks, Bonds, Mutual Funds, 401K or other long-term assets
  • Copy of Orders if in the process of PCS. or offer letter if relocating to a new job
  • Name, Address and Phone Number of the nearest relative not living with you
  • Other items may be required if self-employed or if the VA Certificate of Eligibility is not readily available online

Your Lender can request for your CEO instantly during your preapproval process, or active Military and Veterans can order their COE one of three ways:

 

  1. Complete a VA Form 26-1880 and request online at www.eBenefits.va.gov
  2. Complete a VA Form 26-1880 along with proof of military service to the VA Loan Eligibility Center, PO Box 100023, Decatur, GA 30031
  3. Let us here at Aligned Mortgage check if your Certificate of Eligibility is available!

Your Name (required)

Your Email (required)

Your Phone # (required)

Branch of Service: Air ForceArmyMarinesNavyNational GuardOther

Your Rank /Title:

Subject

Your Message

Loan Calculator

Notes:

1. Select the Loan Type 2. Input the purchase variables 3. 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.

Debt-to-Income Ratio Calculator

To view your Debt-to-Income Ratio, add your information into the boxes below. The “Totals” section will automatically populate as you fill out the form.

  • Your Income Details

  • Front End Ratio Inputs

  • Back End Ratio Inputs

  • Totals

BAH Charts

BAH Chart – Hawaii 2018

Honolulu County Chart

Maui County Chart

Hawaii County Chart

Kauai County Chart

BAH Chart -Texas 2018

San Antonio Austin Ft Worth

VA Loan Guide

Please complete the form below to receive your VA Mortgage Guide.

Your Name (required)

Your Email (required)

Your Phone # (required)

If you don’t receive your VA Mortgage Guide in your inbox, please check your “junk folder.” If you have any questions, we invite you to contact us or register for our free VA 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 Home Loan Check List

What Documents are Needed for a VA Home Loan Pre-Approval?

  • Application and Credit Card
  • Two Most Recent Federal Tax Returns and W-2’s
  • Two Most Recent Paystubs or LE
  • Two Most Recent Bank Statements, all pages in statement form
  • Quarterly Statements for All Stocks, Bonds, Mutual Funds, 401K or other long-term assets
  • Copy of Orders if in the process of PCS. or offer letter if relocating to a new job
  • Name, Address and Phone Number of the nearest relative not living with you
  • Other items may be required if self-employed or if the VA Certificate of Eligibility is not readily available online

Check for VA Certificate of Eligibility

Your Lender can request for your CEO instantly during your preapproval process, or active Military and Veterans can order their COE one of three ways:

  1. Complete a VA Form 26-1880 and request online at www.eBenefits.va.gov
  2. Complete a VA Form 26-1880 along with proof of military service to the VA Loan Eligibility Center, PO Box 100023, Decatur, GA 30031
  3. Let Us Here at Aligned Mortgage Pull Your COE For You!

Your Name (required) Your Email (required) Your Phone # (required) Branch of Service: Air ForceArmyMarinesNavyNational GuardOther Your Rank /Title: Subject Your Message

Hawaii Seminars

november

27nov6:00 pm8:00 pmFeaturedFree VA Home Loan Seminar HawaiiTony Dias Education Center

december

11dec6:00 pm8:00 pmFeaturedFree VA Home Loan Seminar HawaiiTony Dias Education Center

Texas Seminars

december

01dec10:00 am12:00 pmFeaturedFree VA Home Loan Seminar TexasWitte Museum

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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