VA Loan aligned Mortgage


You’ve served, now let us serve you. Get preapproved to see how much house you can afford.

how to get an fha loan

VA Home Loan Benefit

No Down Payment Required

The VA home loan remains one of the only lending programs on the market that offers a zero down payment* mortgage. Most lending programs require at least some form of down payment, with popular amounts ranging from 3.5% to 20%*. For example, a $200,000 home could mean coming up with a down payment ranging from $7,000 up to $40,000!. Borrowers using the VA loan can purchase immediately with no money down, avoiding years of saving up while 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. As a result, the Veteran not only saves cash upfront but can also save thousands over the lifetime of the loan and give the buyer more purchasing power when shopping for a home.

Flexible Underwriting Guidelines

Qualifying credit factors such as FICO Credit Score, collections, debts and judgments are all considered with common sense underwriting reviews. Not every credit report is indicative of a Veterans true walk in life. At Aligned we work to find a way to make every Veteran a homeowner. Its just common sense. VA loans also allow for a higher debt-to-income ratio than other types of mortgages.

*Other conditions may apply


To utilize the VA home loan program, you’ll need to first establish eligibility. To do so, you’ll need to obtain your Certificate of Eligibility, or COE. Aligned Mortgage can help you get your COE during the pre-approval 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 here.

90 Days During Wartime

Sept 15, 1940 – July 1947
June 1950 – January 1955
February 1961* – May 1975
August 1990 – Present

181 Days During Peacetime

July 1947 – June 1950
February 1955 – August 1964
May 1975 – September 1980**


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.


Reduce Fees only apply to purchase loans with a down payment of at least 5%. You must be Active Duty**, Reserve, National

Down Payment First-Time User Percentage Subsequent Use Percentage
5% or More
10% or More

Each – Out / Regular Refinancing Loan

See Purchase Loan Chart for reduced fees on loans with a down payment of at least 5%. You must be Active Duty**, Reserve, National

First-Time User percentage Subsequent Use Percentage

*If the Veteran’s only prior use of entitlement was a manufactured home loan, the higher subsequent use fee does not apply.

** Active Duty includes Reserves and National Guard ordered to active services that meets the eligibility requirements for their area of service. Active Duty does NOT include active duty training.

VA Home Loan Products

Owning a piece of the land you help defend begins here
House Icon Aligned Loan Mortgage 1
VA Home Loan

If you are a military Veteran or service member you may have access to buy your next home using a VA Loan.

Rotate House Refinance Aligned Mortgage
VA Streamline Refinance

A VA Streamline Refinance, or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs.

VA Home Loan Aligned Mortgages
VA Cash-Out Refinance

VA Cash-Out Refinance allows a borrower to pull equity from the home to utilize for any purposes. (Check with your lender)

Additional specialty products are available based on lending requirements and eligibility.

Speak with your loan officer to discuss specialty products.

We Have Helped Thousands of veterans achieve home ownership using The VA Home Loan.


Learn Your Buying Power.

Register For Our Next Free Online VA Loan Seminar

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