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Let Us Help You
Find The Right Loan.

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.

 

Aligned Mortgage offers No Lender Fees on USDA Loans!

1-833-368-6384

Start Your USDA Pre-Approval!

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.

Step 1 of 5

Have More Questions?
(808) 677-5626

Is A USDA Loan Right For You?

Minimum Qualifications for USDA Loans

  • U.S. citizenship or permanent residency
  • Ability to prove creditworthiness, typically with a credit score of at least 640
  • Stable and dependable income
  • A willingness to repay the mortgage – generally 12 months of no late payments or collections
  • Adjusted household income is equal to or less than 115% of the area median income
  • The property serves as the primary residence and is located in a qualified rural area

Lenders may have their own internal guidelines and requirements in addition to those set by the USDA’s Rural Development program.

USDA Loan Credit Requirements

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.

Why Choose Aligned Mortgage

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.

No Lender Fees

Aligned Mortgage offers no lender fees on all Government loans! Including FHA, USDA, VA loans.

Transparency & Communication

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.

Close Your Loan in 30 days

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!

Veteran Led Team

Our Vision
To ensure that anyone who has defended our country will have an opportunity to own a piece of it. We also strive to help our local community invest in themselves and their families through homeownership using the USDA loan.

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.

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.

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.

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.