Yvette Muta

Real Estate has always been an integral part of Yvette’s life. You could say her path to Real Estate was pre-destined during her early years. At a young age, Yvette’s mother, who is also a Realtor, would take her along to on client visitations, previewing properties and open houses. This early exposure set the foundations for Yvette’s interest in Interior Design and where she began to understand the importance of investing in Real Estate. Her family made the decision to begin investing in real estate early on. The equity that grew from these real estate investments provided Yvette with the opportunity to pursue her college education and has given her family many other benefits that may not have otherwise been available.

Yvette is client focused, reachable and committed! She takes pride in making sure that her clients know that they will have her full attention and enthusiasm. As a full-time real estate professional, Yvette understand how overwhelming the homeownership process can be and the importance of building trust by fostering open communication and being consistent with timely responses.

With 20+ years in the local Interior Design industry, Yvette is able to offer clients a unique skill set that brings a heightened sensitivity to the qualities and unique detailing that can add increased value to a property. Her clients appreciate this attention to detail and ability to evaluating the potential that a property may have to address their future real estate needs and goals.

Yvette has a passion for travel, music and the arts, all of which have always been a part of her life story. She’s had the great fortune to visit many exotic locations and experience their unique landscapes and cultures. But with as many places and awesome sights as Yvette has seen, there is no other place like Hawaii. She also has an immense love of all animals and spends much of her free time with her four-legged “fur-kids”. She enjoys attending local live-music events or putting together a menu to share with a gathering of friends and family.

Expertise:

Buyers Agent
First Time Homebuyers
1031 Exchanges
Formally trained Interior Designer

Resources to Get You Started >>

To utilize the VA home loan program, you’ll need to first establish eligibility, or prove that you have earned the benefit. To do so, you’ll need to obtain your Certificate of Eligibility, or COE. Aligned Mortgage can help you get your COE during the preapproval 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 below.

90 Days During Wartime	181 Days During Peacetime
Sept 15th 1940 – July 1947	July 1947 – June 1950
June 1950 – January 1955	February 1955 – August 1964
February 1961* – May 1975	May 1975 – September 1980**
August 1990 – Present

Selected Reserves or National Guard qualifications require 6 years of active membership and honorable discharge, placement on retired list, transfer to other honorable service or continuation in Selective Reserves.

Other individuals who may qualify are those discharged for a service-connected disabilty, the un-remarried spouse of a veteran who died in service or from a service-connected disability or the spouse of a Prisoner of War or someone Missing in Action.

With VA loans, the amount you can borrow without having to put a down payment on your mortgage varies by location. Check out our charts below to verify the 2018 limits in your county.

Hawaii

County	Loan Limit
All Counties	$726,525

Texas

County	Loan Limit
All Counties	$453,100

If the home you want to purchase costs more than your county loan limit, you may still be able to use your VA loan benefit. A VA Jumbo Loan is available in some areas, and qualified home buyers can borrow up to $1,500,000 with the necessary down payment.

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.

VA Funding Fee Breakdown

Veterans and active military buyers receiving compensation for a service-connected disability and deemed more than 10% disabled by the VA are exempt from paying the Funding Fee.

Other Fees

Some lenders charge additional lender fees, assessed and collected by the lender during your loan process. Those fees can include application, origination, processing and underwriting charges. Aligned Mortgage does not charge those on VA home loans.

A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1-3% of the loan amount. Sometimes the buyer can receive seller or lender credits to cover closing costs. For instance, there is typically has a rate option that will allow the lender to cover your closing costs.

Rolling Closing Costs into Your Loan : An Example Scenario

You may have an option to pay points or fractions of a point to buy down your rate, pay zero points at a higher rate, or take a higher rate with rebate pricing that allows the lender to provide lender credits to cover closing costs. The below rate chart provides an example.

*Please note this is for example only and is not a current reflection of market rates.

Get our Free VA Mortgage Guide, your road map to getting VA loan financing for your dream home.

Please complete the form below to receive your VA Mortgage Guide.

Information Provided in the VA Mortgage Guide

About VA Home Loans
Benefits of VA Loans
Eligibility
Obtaining a Certificate of Eligibility
VA Funding Fees
VA Loan Closing Costs
Myths Regarding VA Loans
VA Loan Pre-Approval Checklist
Step by Step Overview

The Veterans Administration backs refinance loans for qualified veteran and military homeowners. VA refinances have many of the typical advantages of VA purchase loans, and may be a fit for you if you’re looking to lower your monthly payments, shorten your loan term or cash out some equity. Visit our refinance page to learn more.

2019 Military Pay Calculator

By using your rank, years of service, number of dependents, and location, this calculator expresses your Basic Pay, Basic Housing Allowance (BAH), and your Basic Allowance for Subsistence (BAS).

Paygrade Years Dependents

Location

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BASIC

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BAH

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BAS

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TOTAL

*This tool does not calculate COLA. Find your Hawaii Overseas COLA rate here.

BAH CHART 2019

Program Eligibility

To utilize the VA home loan program, you’ll need to first establish eligibility, or prove that you have earned the benefit. 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 below.

90 Days During Wartime	181 Days During Peacetime
Sept 15th 1940 – July 1947	July 1947 – June 1950
June 1950 – January 1955	February 1955 – August 1964
February 1961* – May 1975	May 1975 – September 1980**
August 1990 – Present

Selected Reserves or National Guard qualifications require 6 years of active membership and honorable discharge, placement on retired list, transfer to other honorable service or continuation in Selective Reserves.

Other individuals who may qualify are those discharged for a service-connected disabilty, the un-remarried spouse of a veteran who died in service or from a service-connected disability or the spouse of a Prisoner of War or someone Missing in Action.

Loan Limit

With VA loans, the amount you can borrow without having to put a down payment on your mortgage varies by location. Check out our charts below to verify the 2018 limits in your county.

Hawaii

County	Loan Limit
All Counties	$726,525

Texas

County	Loan Limit
All Counties	$453,100

If the home you want to purchase costs more than your county loan limit, you may still be able to use your VA loan benefit. A VA Jumbo Loan is available in some areas, and qualified home buyers can borrow up to $1,500,000 with the necessary down payment.

Funding Fees

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.

VA Funding Fee Breakdown

Veterans and active military buyers receiving compensation for a service-connected disability and deemed more than 10% disabled by the VA are exempt from paying the Funding Fee.

Other Fees

Some lenders charge additional lender fees, assessed and collected by the lender during your loan process. Those fees can include application, origination, processing and underwriting charges. Aligned Mortgage does not charge those on VA home loans.

Closing Costs

A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1-3% of the loan amount. Sometimes the buyer can receive seller or lender credits to cover closing costs. For instance, there is typically has a rate option that will allow the lender to cover your closing costs.

Rolling Closing Costs into Your Loan : An Example Scenario

You may have an option to pay points or fractions of a point to buy down your rate, pay zero points at a higher rate, or take a higher rate with rebate pricing that allows the lender to provide lender credits to cover closing costs. The below rate chart provides an example.

*Please note this is for example only and is not a current reflection of market rates.

VA Loan Guide

Please complete the form below to receive your Free VA Mortgage Guide.

Information Provided in the VA Mortgage Guide

About VA Home Loans
Benefits of VA Loans
Eligibility
Obtaining a Certificate of Eligibility
VA Funding Fees
VA Loan Closing Costs
Myths Regarding VA Loans
VA Loan Pre-Approval Checklist
Step by Step Overview

VA Refinancing

The Veterans Administration backs refinance loans for qualified veteran and military homeowners. VA refinances have many of the typical advantages of VA purchase loans, and may be a fit for you if you’re looking to lower your monthly payments, shorten your loan term or cash out some equity. Visit our refinance page to learn more.

Military Pay Calculator

*This tool does not calculate COLA. Find your Hawaii Overseas COLA rate here.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.