Branch Manager

NMLS#:222836 – Licensed in HI & TX
Email: Tony.Dias@alignedmortgage.com
Phone: 808-465-2901

Tony Dias

Tony is from Waianae, Hawaii.  His father joined the Marine Corps when he was 2 years old and he retired after serving 25 years.  Tony’s father’s service shaped his life and in 1985, after changing schools 11 times in 13 years, he joined the Marines Corps as a Communication Electronic Technician.

It is because of these experiences that Tony truly understands the sacrifices that both services members and their dependents face on a day-to-day basis.

Tony was stationed in Kaneohe Marine Corps Air Stations when he left the Marine Corps.  It was then that he decided to stay in Hawaii.  In 2001, he and his wife purchased their first property in Mililani.  Having no idea the VA Loan was an option, he placed 20% down on his home.

He has been in the mortgage industry since 2003, learned about the VA home loan benefit and vowed to not have another veteran go through his experience.  Tony specializes in VA Home Loans.  In 2006, he was asked to speak at a brown bag luncheon for approximately 75 Air National Guardsman at the Mamala Bay dining facility.   After 2 hours of providing information and answering questions he realized how little veterans knew about the VA home loan benefit.  Recognizing the need for a place veteran’s could go and learn about the benefit as well as the market with no pressure to do anything except learn, FOR FREE, he created VA Loans Hawaii (currently registered in Hawaii as an educational company).

Tony’s main goal is to educate as many veterans as possible about this tremendous benefit and serving those that have served our country.  It is an honor and a privilege to help his fellow veterans use their entitlement to purchase a piece of the country they defended or currently defend.

Tony is also certified by the State of Hawaii to teach Real Estate agents about “The New VA Home Loan Benefit for the Real Estate Licensee.”  As well as certified by the National Association of Realtors to conduct the Military Relocation Professionals designation.  He believes as a Real Estate community we could all do a better job of serving those who have served our country!

 

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Tony Dias

Tony is from Waianae, Hawaii.  His father joined the Marine Corps when he was 2 years old and he retired after serving 25 years.  Tony’s father’s service shaped his life and in 1985, after changing schools 11 times in 13 years, he joined the Marines Corps as a Communication Electronic Technician.

It is because of these experiences that Tony truly understands the sacrifices that both services members and their dependents face on a day-to-day basis.

Tony was stationed in Kaneohe Marine Corps Air Stations when he left the Marine Corps.  It was then that he decided to stay in Hawaii.  In 2001, he and his wife purchased their first property in Mililani.  Having no idea the VA Loan was an option, he placed 20% down on his home.

He has been in the mortgage industry since 2003, learned about the VA home loan benefit and vowed to not have another veteran go through his experience.  Tony specializes in VA Home Loans.  In 2006, he was asked to speak at a brown bag luncheon for approximately 75 Air National Guardsman at the Mamala Bay dining facility.   After 2 hours of providing information and answering questions he realized how little veterans knew about the VA home loan benefit.  Recognizing the need for a place veteran’s could go and learn about the benefit as well as the market with no pressure to do anything except learn, FOR FREE, he created VA Loans Hawaii (currently registered in Hawaii as an educational company).

Tony’s main goal is to educate as many veterans as possible about this tremendous benefit and serving those that have served our country.  It is an honor and a privilege to help his fellow veterans use their entitlement to purchase a piece of the country they defended or currently defend.

Tony is also certified by the State of Hawaii to teach Real Estate agents about “The New VA Home Loan Benefit for the Real Estate Licensee.”  As well as certified by the National Association of Realtors to conduct the Military Relocation Professionals designation.  He believes as a Real Estate community we could all do a better job of serving those who have served our country!

<<Resources to Help Get You Started >>

To utilize the VA home loan program, you’ll need to first establish eligibility, or prove that you have earned the benefit. To do so, you’ll need to obtain your Certificate of Eligibility, or COE. Aligned Mortgage can help you get your COE during the preapproval process. In the meantime, below is some detailed information on who generally qualifies for the program.

If you served in the Army, Navy, Air Force, Marine Corps or Coast Guard, you are eligible if you meet the minimum service days detailed below.

90 Days During Wartime
181 Days During Peacetime
Sept 15th 1940 – July 1947
July 1947 – June 1950

June 1950 – January 1955

February 1955 – August 1964
February 1961* – May 1975

May 1975 – September 1980**
August 1990 – Present


Selected Reserves or National Guard qualifications require 6 years of active membership and honorable discharge, placement on retired list, transfer to other honorable service or continuation in Selective Reserves.

Other individuals who may qualify are those discharged for a service-connected disabilty, the un-remarried spouse of a veteran who died in service or from a service-connected disability or the spouse of a Prisoner of War or someone Missing in Action.

With VA loans, the amount you can borrow without having to put a down payment on your mortgage varies by location. Check out our charts below to verify the 2018 limits in your county.

Hawaii

County
Loan Limit
All Counties

$726,525

Texas

County
Loan Limit
All Counties
$453,100


If the home you want to purchase costs more than your county loan limit, you may still be able to use your VA loan benefit. A VA Jumbo Loan is available in some areas, and qualified home buyers can borrow up to $1,500,000 with the necessary down payment.
The VA Funding Fee is generally paid by all home buyers using the VA Home Loan Guaranty and it goes directly to the VA to help sustain the program. Factors that impact your Funding Fee include branch of service, down payment amount, number of times used, and disability status.

VA Funding Fee Breakdown

ScreenShot1843

Veterans and active military buyers receiving compensation for a service-connected disability and deemed more than 10% disabled by the VA are exempt from paying the Funding Fee.


Other Fees

Some lenders charge additional lender fees, assessed and collected by the lender during your loan process. Those fees can include application, origination, processing and underwriting charges. Aligned Mortgage does not charge those on VA home loans.

A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1-3% of the loan amount. Sometimes the buyer can receive seller or lender credits to cover closing costs. For instance, there is typically has a rate option that will allow the lender to cover your closing costs. 

Rolling Closing Costs into Your Loan : An Example Scenario

You may have an option to pay points or fractions of a point to buy down your rate, pay zero points at a higher rate, or take a higher rate with rebate pricing that allows the lender to provide lender credits to cover closing costs. The below rate chart provides an example.

*Please note this is for example only and is not a current reflection of market rates.

Get our Free VA Mortgage Guide, your road map to getting VA loan financing for your dream home.

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

Your Name (required)

Your Email (required)

Your Phone # (required)

Please check your “junk folder” if you don’t receive your VA Mortgage Guide. We invite you to contact us with any questions at all or register for our free VA home loan 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

The Veterans Administration backs refinance loans for qualified veteran and military homeowners. VA refinances have many of the typical advantages of VA purchase loans, and may be a fit for you if you’re looking to lower your monthly payments, shorten your loan term or cash out some equity. Visit our refinance page to learn more.

2019 Military Pay Calculator

By using your rank, years of service, 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.

Program Eligibility

To utilize the VA home loan program, you’ll need to first establish eligibility, or prove that you have earned the benefit. To do so, you’ll need to obtain your Certificate of Eligibility, or COE. Aligned Mortgage can help you get your COE during the preapproval process. In the meantime, below is some detailed information on who generally qualifies for the program.

If you served in the Army, Navy, Air Force, Marine Corps or Coast Guard, you are eligible if you meet the minimum service days detailed below.

Selected Reserves or National Guard qualifications require 6 years of active membership and honorable discharge, placement on retired list, transfer to other honorable service or continuation in Selective Reserves.

Other individuals who may qualify are those discharged for a service-connected disabilty, the un-remarried spouse of a veteran who died in service or from a service-connected disability or the spouse of a Prisoner of War or someone Missing in Action.

Loan Limit

With VA loans, the amount you can borrow without having to put a down payment on your mortgage varies by location. Check out our charts below to verify the 2018 limits in your county.

Hawaii

Texas

If the home you want to purchase costs more than your county loan limit, you may still be able to use your VA loan benefit. A VA Jumbo Loan is available in some areas, and qualified home buyers can borrow up to $1,500,000 with the necessary down payment.

Funding Fees

The VA Funding Fee is generally paid by all home buyers using the VA Home Loan Guaranty and it goes directly to the VA to help sustain the program. Factors that impact your Funding Fee include branch of service, down payment amount, number of times used, and disability status.

VA Funding Fee Breakdown

ScreenShot1843

Veterans and active military buyers receiving compensation for a service-connected disability and deemed more than 10% disabled by the VA are exempt from paying the Funding Fee.


Other Fees

Some lenders charge additional lender fees, assessed and collected by the lender during your loan process. Those fees can include application, origination, processing and underwriting charges. Aligned Mortgage does not charge those on VA home loans.

Closing Costs

A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1-3% of the loan amount. Sometimes the buyer can receive seller or lender credits to cover closing costs. For instance, there is typically has a rate option that will allow the lender to cover your closing costs. 

Rolling Closing Costs into Your Loan : An Example Scenario

You may have an option to pay points or fractions of a point to buy down your rate, pay zero points at a higher rate, or take a higher rate with rebate pricing that allows the lender to provide lender credits to cover closing costs. The below rate chart provides an example.

*Please note this is for example only and is not a current reflection of market rates.

VA Loan Guide

Get our Free VA Mortgage Guide, your road map to getting VA loan financing for your dream home.

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

Your Name (required)

Your Email (required)

Your Phone # (required)

Please check your “junk folder” if you don’t receive your VA Mortgage Guide. We invite you to contact us with any questions at all or register for our free VA home loan 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 Refinancing

The Veterans Administration backs refinance loans for qualified veteran and military homeowners. VA refinances have many of the typical advantages of VA purchase loans, and may be a fit for you if you’re looking to lower your monthly payments, shorten your loan term or cash out some equity. Visit our refinance page to learn more.

Loan Calculator

VA Loan Calculator

https://www.mortgageratemath.com/t/

Principal & Interest Expense:
Taxes:
Insurance:
HOA Expense:
PMI Expense:
Monthly Payment:
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.

Please visit our Disclosures page for more details for all loan types.

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