“Aligned Mortgage is a VA approved lender but not affiliated with the Department of Veterans Affairs or any government agency”
USDA Loans offer no down payment options with low private mortgage insurance. The property has to be located in an eligible rural or suburban area and the household income must meet certain guidelines.
This is your first step to see how you can qualify for a no down payment and low Private mortgage insurance USDA loan. We will be here to guide you through the loan process.
Lenders may have their own internal guidelines and requirements in addition to those set by the USDA’s Rural Development program.
Applicants must show stable and dependent income and a credit history that demonstrates the ability and willingness to repay the loan.
There is no minimum credit requirement for the USDA loan. However, applicants with a credit score of 640 or higher are eligible for the USDA’s automated underwriting system. Applicants below the 640 mark may still be eligible, but they are subject to manual underwriting, which can mean more stringent guidelines. Read more about the USDA loan.
Our Mission: To aggressively serve our community, veterans and their families, through education and facilitation of Government loans, while advocating for our local military and community.
Aligned Mortgage offers no lender fees on all Government loans! Including FHA, USDA, VA loans.
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 USDA Loan!
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.
We Take Pride In What Our Veterans Have To Say About Our Service.
BECOME A HOMEOWNER
You served. Now let us serve you.
© 2023 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include 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 may apply. Equal Housing Opportunity.
NV MB 2941/164. Georgia Residential Mortgage Licensee.
AZ Corp BK 0906702
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Licensed as Aligned Mortgage in AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
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
AZ BK 0906702
Georgia Residential Mortgage Licensee
Licensed by the N.J. Department of Banking and Insurance
Rhode Island Licensed Lender
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 RESIDENTIALMORTGAGE 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 WEBSITE AT WWW.SML.TEXAS.GOV.
