Buy Your New Home With Confidence.
As a mortgage broker, we have the ability to shop across multiple lenders to make sure we have the best product and pricing for you. Purchase or refinance, we are prepared to earn your business by giving you the best experience in the industry.
We are happy to speak with you about all of the different options available to you. We don’t expect you to be the expert. We expect you to have questions and we are happy to answer them. As the saying goes, “You don’t know what you don’t know” and it is our mission to inform you.
At Align Mortgage, we leave no stone unturned to make sure you get your new set of keys.
Is Now The Right Time To Refinance?
Your mortgage is one of the most important payments you have each month. Having the best rate and term possible can save you thousands of dollars.
Need cash now or a better rate on your existing mortgage? We have serviced hundreds of refinances over the years and would love to help you next.
Whether you’re looking to consolidate debt, take cash out for home improvements, or simply take advantage of today’s low interest rates, there is a program for you.
Types of Loans
We get it, you’re not a loan expert, but you want to know a little more about the types of loans we offer and which ones can work for you. We don’t blame you. Below is a list of loans we offer and a little more about them. Don’t worry, we won’t quiz you on them. However, we have access to specialty loan types too, so if you don’t see what you’re looking for, just ask, we may have just the thing.
Conventional Loans
Conventional loans are sometimes more lenient with the appraisal & condition of the property. When you are buying a “fixer upper” you may need to use a conventional loan. Homes purchased above the FHA loan limit are usually financed with conventional loans.
FHA Loans
A loan insured by the Insuring Office of the Department of Housing & Urban Development. They offer a low down payment & are easier to qualify for than conventional loans.
VA Loans
A loan that is partially guaranteed by the Veterans Administration & made by a private lender. A veteran must have served 180 days active service.
USDA Loans
A USDA home loan is a zero down payment mortgage for eligible rural homebuyers. Offered by the United States Department of Agriculture.
Fixed Rates
A fixed rate loan has one interest rate that remains constant throughout the life of the loan.
Adjustable Loans
A mortgage with an interest rate that changes over time in line with movements in the index. ARMs are also referred to as AMLs (adjustable mortgage loans) or VRMs (variable rate mortgages).
Jumbo Loans
A mortgage used to finance properties that are too expensive for a conventional conforming loan. In most areas the maximum amount is $647,200, determined by the Federal Housing Finance Agency (FHFA).
Rehabilitation Loans
Loans that are designed to help homeowners improve their existing home or buy a home that can benefit from upgrades, repairs, or renovations. A great way to help you create your own equity fast by bringing your home up-to-date.
Construction Loan
A home construction loan is a short-term, higher-interest loan that provides the funds required to build a residential property.
Loan Process
Types of Loans
We all want a stress-free mortgage process, but we also understand that’s probably not possible. Our goal is to reduce the stress as much as possible through constant & consistent communication with your REALTOR®, Insurance Agent, & Attorney. We don’t like surprises any more than you do, so when they arise we promise to address them quickly & rectify them efficiently.
Not Sure What’s In Your Budget?
Let’s Find Out How Much You Can Afford
Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.