“Aligned Mortgage is a VA approved lender, however not affiliated with the Dept. of Veterans Affairs or any government agency”
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“Aligned Mortgage is a VA approved lender, however not affiliated with the Dept. of Veterans Affairs or any government agency”
VA Loan programs are a powerful entitlement for Veterans and Active Duty. Offering military and veteran home buyers the ability to purchase a home with major benefits, like no money down and no private mortgage insurance.
No Down Payment Required
The VA home loan remains one of the only lending programs on the market that offers a no down payment mortgage. Most lending programs require at least some form of down payment, with popular amounts ranging from *3.5% to 20%. So if you’re purchasing a $600,000 home, that could mean coming up with at least $21,000 and as much as $120,000. Borrowers using the VA loan can purchase immediately with zero* down payment, avoiding years of saving up and paying rent to someone else.
No Monthly Mortgage Insurance
VA loans do not require mortgage insurance, even when the home buyer is putting no money down. The buyer not only saves cash upfront but can also save thousands over the lifetime of the loan and gives the buyer more purchasing power when shopping for a home.
Flexible Underwriting Guidelines
The VA home loan has very flexible underwriting guidelines compared to a conventional mortgage and other types of home loan financing. You can be approved with Credit scores as low as 40 points lower than conventional loans, and underwriters can approve the loan based on “makes-sense” financing.
VA loans also allow for a higher debt-to-income ratio than other types of mortgages. Because of this, borrowers qualify for tens of thousands more in purchase price than if they used conventional financing in some markets.
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Copyright©2021 American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate 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 apply. Equal Housing Opportunity | Powered by Tribu Marketing and Advertising.
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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 MORTGAGE BANKER RESIDENTIAL MORTGAGE 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 WEB SITE AT WWW.SML.TEXAS.GOV.
