“Aligned Mortgage is a VA approved lender but not affiliated with the Department of Veterans Affairs or any government agency”
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.
VA loans do not require Private Mortgage Insurance (PMI), 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.
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.
Sept 15, 1940 – July 1947
June 1950 – January 1955
February 1961* – May 1975
August 1990 – Present
July 1947 – June 1950
February 1955 – August 1964
May 1975 – September 1980**
If you are a Military Veteran or Active-Duty Service Member you may have access to buy your next home using a VA Loan.
A VA Streamline Refinance, or IRRRL, provides you with a faster way to lower or lock in your interest rate with limited costs.
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.
Very experienced staff. From start to finish, we were consistently kept informed on process. Nicholas Ochoa and Siboney Ochoa went above and beyond to get us closed. Jenise was very helpful in keeping us on track. Overall, great experience which is why we are returning customers.
Working with Robert Ceballos of Aligned Mortgage of Texas was easy and non-stressful. He kept my home buying purchase on track assuring, I had a closing date that was not just on time but early! I recommend Robert to anyone seeking a lender. He’s licensed in multiple states!
Unbelievable customer service. That is the first thing that comes to mind when thinking about Aligned Mortgage. Chris and Karen went above and beyond to help my family achieve our goal of home ownership. They walked us though every step and really made us feel important and cared for. This was the best experience we have ever had and we would definitely recommend them to everyone. You will be astounded as to how dedicated and hardworking this team is.
Larry and his team are amazing! This is the third time I’ve worked with him, and each time he’s made sure everything went smoothly and was taken care of without delay. Very responsive and knowledgeable, amazing customer service. There’s no one I’d trust more!
A Veteran-owned company that stands by their word. I refinanced my house and they closed on time, with the lowest closing costs and great rates! Amazing service from the Multi-State Loan team Loan Assistant Officers, Loan Officer, and the title company from start to finish. Thank you so much to Nick, Michelle, and Leah. I highly recommend this company, the best experience I have ever had buying/refinancing a home.
Tyler is professional, responds quickly to my questions and very pleasant to work with. My husband and I would highly recommend him to our friends and family.
Aligned Mortgage made it our mission to arm military and Veteran homebuyers with clear and actionable information so they’re empowered to buy a piece of the land they’ve defended with their VA home loan entitlement. Attending one of our free VA Home Loan Seminars is step one.
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 VA Loan!
Our top priority is to educate and empower Military Veterans and Service Members about the VA Home Loan Benefit. We aim to assist every Veteran in owning a piece of the land they helped defend.