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See How A Refinance Could Help You Save Hundreds A Month!


Start Your Refinance Pre-Approval!

This is your first step to see how much money you can save with a Refinance. We will be here to guide you through the loan process.

How Can A Refinance of Your VA Loan Help You?

Streamline Refinance

A great way to reduce your monthly mortgage payments or stabilize your mortgage loan is by refinancing. If you are currently a service member or veteran with a VA-backed home loan, you may qualify for  an Interest Rate Reduction Refinance Loan or IRRRL. Lenders and Borrowers both like the IRRRL because of the ease of refinancing. Borrowers do not have to go through the standard VA lender underwriting process and the home doesn’t require an appraisal.

The IRRRL saves time, money/fees and paperwork. This type of Refinance is also called a “VA streamline refinance” due to the process being so simplified. Refinancing your VA Mortgage with an IRRRL allows you to improve your current VA loan by replacing it with a new one. The new loan offers different terms which will allow you to lower your monthly payment by requiring an interest rate reduction. The VA requires that a refinance must offer the veteran a Net Tangible Benefit. This means an IRRRL truly benefits our veterans through a reduced monthly payment.

Cash-Out Refinance

The Cash-Out option gives qualified homeowners the opportunity to refinance their existing VA or non-VA mortgage to access the equity in their homes through cashback. The Cash-Out refinance option follows standard VA loan credit, appraisal, and underwriting processes. There are no restrictions on what you can do with the cashback. You can refinance a VA, USDA, FHA or conventional loan.

Why Choose Aligned

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.


Aligned Mortgage made it our mission to arm military and veteran homebuyers with clear and actionable information so they’re empowered to buy a piece of the land they’ve defended with their VA home loan entitlement. Attending one of our free VA Home Loan Seminars is step one.


Delivering world-class service and education to the men and women that are serving or who have served our country during the home buying or refinancing process. We practice responsible communication. Ensuring it is always clear, complete and current.


Our team’s expertise provides a smooth loan process for the borrower, often closing within a month. Do not let anyone tell you it takes too long to close a VA Loan!

Veteran Led Team

Our Vision is to ensure that anyone who has defended our country will have an opportunity to own a piece of it.

Respectful – Always showing we care

Everyone deserves our courteous attention, regardless of the circumstances. We do everything with intention and purpose.

Five Star Rated Business

We Take Pride In What Our Veterans Have To Say About Our Service.

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The folks at Aligned were helpful, patient, and more than willing to answer all our questions and concerns as first time home buyers. They made the process easy.
Court M.
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What a refreshing organization that is serving the community and leading people to a better home. You will feel the heart of Tony as he explains the importance of helping those around him and leading people to a secure future. Aloha Tony for all you are doing.
Mark B.
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Had a wonderful experience purchasing our home regardless of our apprehensions, time constraints and lack of experience in the Hawaiian market. We purchased a home on the mainland using the VA loan but were left confused. We were not provided with the education and tools Aligned Mortgage provided us with. We highly recommend them for your next home purchase.
Cris T.

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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