nevada TEAM

Our team has helped thousands of Veterans purchase their home using the VA Home Loan Benefit. We pride ourselves on our expertise in the VA Home Loan program, incredible work ethic, world-class customer service, and a passion to change the way Veterans are served in our country. We can’t wait to serve you!

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Educating Veterans. It’s What We Do.

We have educated over 150,000 Veterans on the VA Home Loan benefit through our live and virtual seminars and briefs on military bases taught by VA Loan Expert and prior service Marine, Tony Dias.  Education is the key to successfully navigating the home loan process.  Tony breaks it down so Veterans understand what they need to get started from getting a Certificate of Eligibility to dispelling the myths surrounding the loan process. Get a $500 coupon toward closing just for attending a seminar online!

Are You Eligible For The
VA Home Loan?

It doesn’t matter if you are 18 or 80! If you served your country, you may qualify for a VA Home Loan!

Not a Veteran? Not a problem!

At Aligned Mortgage, our goal is to be Aligned with the Community, too! If you are not eligible for a VA Home Loan, we can assist you with many different loan options.
Submit your loan application today!

PreApproval Vs. PreQualification

Do You Know The Difference?


Most sellers will not take a PreQualification letter seriously because it is based on stated/verbal income and credit information.


Realtors and sellers are more likely to accept a PreApproval letter for the property because it is based on verified income, credit & other documentation.

Know Your
Buying Power

Gives you a basic understanding of what you “might” qualify for, but should not be considered as the “green light” to start shopping.


Once you are PreApproved, your lender will provide you with a powerful PreApproval letter that will state a specific dollar amount for which you qualify. You can confidently start your home search and submit offers based on this letter knowing that you have a conditional approval of funding.

Demonstrated Creditworthiness

Can be done over the phone with no documentation and is worth no more than the paper it is written on.


PreApprovals are backed up with  legitimate documentation and provides an exact snapshot of what kind of interest rate you will pay, as well as specifics on your fees and other related expenses. The letter says that you are APPROVED and creditworthy!

Are you ready to get started?


5 Star line
Yes I would recommend aligned mortgage to any one needing a home loan. They were really helpful and caring for all my needs. Also at anytime I may had questions or didn’t understand something they didn’t hesitate to take the time to explain and even took my calls at anytime of the day or week. They also was speedy in the process but careful in not missing any details of the process.
Wesley H.
Google Review
5 Star line
The best lending firm you could ever get! John Paul and his team helped me close on a house in less than 30 days! Best customer service you can ask for! Thanks for helping us Veterans achieve our dreams in owning a home.
Stat B.
Google Review
5 Star line
Very professional and excellent service. Everything was done online in an effective and efficient timely manner during this time of a pandemic. Just an overall five star experience!
Chris M.
Google Review
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Joshua Payne

Branch Manager
NMLS #1515413
(808) 799-8879

nevada branch manager

Joshua Payne has had close ties to the military since birth. As the son of a U.S. Marine Corps Veteran, he grew up experiencing the challenges of military life and learned about the importance of serving others at an early age. He chose a career in the mortgage industry when he saw the impact his mentor, Tony Dias, had on the local military community, educating veterans about their VA Home Loan benefit. Joshua’s goal is to help our service members and the local community realize their dream of homeownership.


Keeping his clients informed, up to date, and comfortable throughout the loan process is how Joshua serves others. He works hard to find the best possible mortgage solutions for them and calmly guides them to make smart choices. His philosophy is simple:  treat each client like a treasured friend or family member.


In his free time, Joshua loves to golf, play basketball, travel, and meet new people. He is a faithful member of Pearlside Church. He enjoys learning more about everyone he encounters and is a strong believer in leaving the world a better place for the future.


Our mission is to aggressively serve veterans and their families through education and facilitation of the VA Home Loan Benefit while advocating for our local military and veteran community.

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We Have Helped Thousands of veterans achieve home ownership using The VA Home Loan.


Learn Your Buying Power.

Register For Our Next Free Online VA Loan Seminar

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