Branch Manager

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

Tony Dias

NMLS#:222836

Tony Dias, Branch Manager and Steward for Aligned Mortgage, hails from a long line of military patriots. His grandfather served in the United States Navy during World War II, and his father was a ‘lifer’ in the Marine Corps for twenty-five years, doing tours in both Vietnam and Desert Storm. In 1985, the legacy continued when Tony followed in his father’s ‘yellow footprints’ and joined the United States Marine Corps as a Communication Electronics Technician.

After leaving the Marine Corps, Tony (a Waianae native) decided to plant his own roots in Hawaii. Not knowing about the existence of the VA Home Loan benefit back in 2001, he and his wife, Joleen, purchased their first property together in Mililani, putting the standard 20% as a down payment for the home. A few years later, Tony would enter the mortgage industry and discover the VA Home Loan benefit and the extraordinary power it held. That’s when he made the decision to learn and share as much information as he could with as many military veterans as possible to make sure no one else would have that same experience.

In 2006, Tony was asked to speak and share his knowledge of the VA Home Loan benefit at a brown-bag luncheon for 75 Air National Guardsmen at the Mamala Bay Dining Facility on the former Hickam Air Base. After two hours of sharing knowledge and information, plus answering countless questions, he came to realize how very little the majority of veterans knew about one of their most powerful hard-earned benefits. It was at this pivotal point in his career that he envisioned creating a place where all veterans could go and learn more about their benefits, without any outside pressures, with no cost or obligation to the veteran. This is when he created ‘VA Loans Hawaii’ an educational company currently registered in Hawaii.

For the past 17 years, Tony has shared his vast knowledge about the VA home loan benefit with veterans all over the country. He has impacted and improved the lives of countless veterans and their families, arming them with the knowledge of how to get a jump start on homeownership and creating a legacy for their families by “changing (sic) your stars”. Tony’s passion and dedication to help others shows his unwavering commitment to continually serve our nation and its veterans. He believes it is an honor and a privilege to help his fellow servicemembers learn to use their benefits and is committed to helping them own a piece of the land they fight/fought so gallantly to defend.

Tony Dias is certified by the State of Hawaii to teach real estate agents about The New VA Home Loan Benefit for the Real Estate Licensee and is also certified by the National Association of Realtors to conduct the Military Relocation Professionals Designation. One of his goals is to increase the knowledge about the VA Home Loan benefit with other real estate professionals to better serve those who have dedicated their lives to defending and serving our nation.

 

Quick Question? Contact me.

Tony Dias

NMLS#:222836

Tony Dias, Branch Manager and Steward for Aligned Mortgage, hails from a long line of military patriots. His grandfather served in the United States Navy during World War II, and his father was a ‘lifer’ in the Marine Corps for twenty-five years, doing tours in both Vietnam and Desert Storm. In 1985, the legacy continued when Tony followed in his father’s ‘yellow footprints’ and joined the United States Marine Corps as a Communication Electronics Technician.

After leaving the Marine Corps, Tony (a Waianae native) decided to plant his own roots in Hawaii. Not knowing about the existence of the VA Home Loan benefit back in 2001, he and his wife, Joleen, purchased their first property together in Mililani, putting the standard 20% as a down payment for the home. A few years later, Tony would enter the mortgage industry and discover the VA Home Loan benefit and the extraordinary power it held. That’s when he made the decision to learn and share as much information as he could with as many military veterans as possible to make sure no one else would have that same experience.

In 2006, Tony was asked to speak and share his knowledge of the VA Home Loan benefit at a brown-bag luncheon for 75 Air National Guardsmen at the Mamala Bay Dining Facility on the former Hickam Air Base. After two hours of sharing knowledge and information, plus answering countless questions, he came to realize how very little the majority of veterans knew about one of their most powerful hard-earned benefits. It was at this pivotal point in his career that he envisioned creating a place where all veterans could go and learn more about their benefits, without any outside pressures, with no cost or obligation to the veteran. This is when he created ‘VA Loans Hawaii’ an educational company currently registered in Hawaii.

For the past 17 years, Tony has shared his vast knowledge about the VA home loan benefit with veterans all over the country. He has impacted and improved the lives of countless veterans and their families, arming them with the knowledge of how to get a jump start on homeownership and creating a legacy for their families by “changing (sic) your stars”. Tony’s passion and dedication to help others shows his unwavering commitment to continually serve our nation and its veterans. He believes it is an honor and a privilege to help his fellow servicemembers learn to use their benefits and is committed to helping them own a piece of the land they fight/fought so gallantly to defend.

Tony Dias is certified by the State of Hawaii to teach real estate agents about The New VA Home Loan Benefit for the Real Estate Licensee and is also certified by the National Association of Realtors to conduct the Military Relocation Professionals Designation. One of his goals is to increase the knowledge about the VA Home Loan benefit with other real estate professionals to better serve those who have dedicated their lives to defending and serving our nation.

<<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

$765,600

Texas

County
Loan Limit
All Counties
$510,400


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

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
{{ payRankResults() | currency:"$" }}
BASIC
{{ dependentsAllowance() | currency:"$" }}
BAH
{{ basicAllowance() | currency:"$" }}
BAS
{{ finalPayResults() | currency:"$" }}
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

As of January 1st, 2020 the VA has changed its Loan limit to NO LIMIT!

With full entitlement intact, Lenders will have different requirements on their loan limits based on your FICO score. Aligned Mortgage, our minimum credit score is just 580 if your loan amount is below the county loan limit. Anything over that is on a case by case basis.

Hawaii Loan Limit

County
Loan Limit
All Counties

$765,600

Loan Approval is that of the sales price or appraised value whichever is less if the full Certificate of Eligibility is intact. 

 


 

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

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

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.

X