“Aligned Mortgage is a VA approved lender, however not affiliated with the Dept. of Veterans Affairs or any government agency”
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“Aligned Mortgage is a VA approved lender, however not affiliated with the Dept. of Veterans Affairs or any government agency”
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!
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!
It doesn’t matter if you are 18 or 80! If you served your country, you may qualify for a VA Home Loan!
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!
Do You Know The Difference?
PreQualification
Most sellers will not take a PreQualification letter seriously because it is based on stated/verbal income and credit information.
VS
PreApproval
Realtors and sellers are more likely to accept a PreApproval letter for the property because it is based on verified income, credit & other documentation.
PreQualification
Gives you a basic understanding of what you “might” qualify for, but should not be considered as the “green light” to start shopping.
VS
PreApproval
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.
PreQualification
Can be done over the phone with no documentation and is worth no more than the paper it is written on.
VS
PreApproval
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!
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.
BECOME A HOMEOWNER
You served. Now let us serve you.
Copyright©2021 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 | Powered by Tribu Marketing and Advertising.
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AZ Corp BK 0906702
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Licensed as American Pacific Mortgage in IA, NV, OK, SC, MN, AZ
Regulated by the Colorado Division of Real Estate
Licensed by the Dept of Financial Protection and Innovation under the CRMLA
Licensed under the Oregon Consumer Finance Act
Licensed by the Department of Savings and Mortgage Lending, SML Banker Registration 1850 & SML Residential Mortgage Loan Servicer Registration
PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN 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 DOWNLOADED AND PRINTED 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 MORTGAGE BANKER 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 WEB SITE AT WWW.SML.TEXAS.GOV.
