Get PreApproved

Every Service Member Should Own a Piece of the Country They Defended.

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PreApproval Vs. PreQualification

Despite the fact that we are living in an ever-changing market where interest rates fluctuate faster than the tides in the ocean at Sandy Beach, there is one thing that hasn’t lost its steadfast reliability in the homebuying industry… The handy-dandy “PreApproval letter”.

Seller Confidence


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



REALTORS(R) and sellers are more likely to accept a PreApproval offer for the property because the letter 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 that you qualify for. You can confidently start your home search and submit offers based on this letter knowing that you have a conditional guarantee 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 loan fees and other related expenses. The letter says that you are APPROVED and creditworthy!

Should I Buy Or Rent A Home?

Taking the step toward homeownership is a big deal. John Sego NMLS#1439557, Lt. Col. U.S. Army (ret), and Senior Loan Officer at Aligned Mortgage, breaks it down for all Veterans. (NMLS>>>>>)

Educating Veterans.

It’s What We Do.

Educating Veterans Since

Veterans Served and Counting

We are Hawaii’s #1 VA Lender for a reason. Our passion is providing free education to Hawaii’s Veteran community to ensure every Service Member has an opportunity to own a piece of the country they’ve sworn to defend.


FREE VA Home Loan Seminars

Someone always leaves this Seminar saying “I Wish I Would Have Known”.  Let us help you discover the truth about your VA Home Loan Benefit through one of the longest-running & most powerful seminars on the subject, presented by renowned VA expert, Tony Dias (Steward of Aligned Mortgage, NMLS 222836).

Attending this FREE seminar is the first step in your journey toward leaving a lasting legacy through homeownership!


Am I Eligible For The VA Home Loan Benefit?

VA Home Loan Eligibility Quiz

*#1 VA LENDER as of January 1, 2019 –  March 31, 2020 RESULTS PROVIDED BY CORELOGIC.