How do you qualify for a loan?

Buying a home can be intimidating, especially if it’s your first home. After all, this is probably the biggest purchase you’ll ever make. Take a deep breath! When we meet with you, we’ll just want to learn a few basics about you and your unique situation. We’ll review the following details: • Where you work • Your income • Any debt you have • Your assets • How much you plan to put down on your home We will clearly explain your mortgage options and answer all your questions so you feel confident in your decision. A mortgage is a huge financial commitment, so we’ll make sure you have the right plan in place.

How much should you save for a down payment?

You can put down as little as 3.5% with some programs. If you put down 20%, you avoid private mortgage insurance. Saving for a down payment takes time. but it’s worth it. Here’s why: • You’ll have built-in equity when you move into your home. • You can finance less, which means you’ll have a lower monthly payment. But be sure to ask your Loan Officer about our low and no down payment programs. That may be just what you need to get that home!

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FHA Mortgage

This is a great alternative for those who need flexibility in credit, income, and equity/down payment requirements.

APPLY NOW

USDA Mortgage

A government insured home loan that allows you to purchase a home in a specific zip code (often rural) using many flexible options.

APPLY NOW

203(k) Mortgage

This is a great alternative for those who need flexibility in credit, income, and equity/down payment requirements.

APPLY NOW

Fixed Rate Mortgage

Your principal and interest payment will never increase since your rate won’t change for the life of your loan.

LEARN MORE

Adjustable Rate Mortgage

Adjustable-Rate Mortgages (ARMs) have interest rates that change at a pre-determined frequency.

LEARN MORE

Great Service

We take pride in helping borrowers get into their first home, the next home, access cash from home equity, and more. Whatever the reason, we have numerous loan options to fit your needs, competitive rates, and transparent, non-pushy advice to help you make an informed decision. Our greatest reward is when we receive positive feedback from borrowers about our service. See what others say about the Allied experience.

”

Our Happy Customers

Reviewed for Rosemarie Gadsby-Devlin on Feb-17-2026
“What made the experience great was the professional way that Rosemarie explained the whole process to me and how sharp she was with getting all the paperwork together in order for me to get to the next step. I believe her character played a major influence because of the way she helped me along with her verbal communication skills allowed the journey to be as smooth as the acual word in the dictionary. Along with Mellisa who most definitely deserves an Oscar for her geniune charater to get things done. So I must ad that Allied Morgage Group knew exactly wha they were doing when thet hired these two individuals. They both worked great together with a complete stranger to make sure I walked away very satisfied at the end, where would the world be without the help of woman!!!! And with these two Individuals, Rosemari, and Nicole, has really made me realize that there are people out here that takes there job serious and cares about helping others. So moving forward,this Allied Morgage co. will always be reffered to anyone that comes across my path for a process of/for buying a house. Thanks agains guys.”

Richard

Reviewed for Patrick Nitsche on Feb-17-2026
“Patrick was quick to work with us on getting a rate that we felt comfortable with.”

Sarah D

Reviewed for Dominick Lombardo on Feb-16-2026
“Friendly honest Smart the only person i I would deal with”

Robert

Reviewed for Paul Galeski on Feb-16-2026
“He worried about it as if it were his own matter and helped move the loan process forward, and it progressed faster than expected.”

Youngai

Reviewed for Dan Lapic on Feb-16-2026
“Just an easy straightforward process. Fantastic support system and a easy quick closing!”

Alexander

Reviewed for Mike Sweeney on Feb-16-2026
“Both Mike and Ron went above and beyond. We were not easy clients!”

Robert A.

Reviewed for Maribel Aparicio on Feb-16-2026
“Maribel gave us an amazing and smooth experience . definitely recommend her to everyone. Answers all question & very helpful.”

Ema Cecilia

Reviewed for John Longstreet on Feb-15-2026
“Dealing with all associated was great. Especially Eddie I highly recommend them when when considering a need for home financing”

Steven Al

Reviewed for Maribel Aparicio on Feb-14-2026
“To Me, She Make everything Easy On. Me I didn't have any problems. Everything go Real Mood.”

Neftali Isabel

Reviewed for Janet Angelo on Feb-14-2026
“Janet was an absolute pleasure to deal with in every capacity. She was an invaluable source of advice and information during this challenging and somewhat confusing process as a first time home buyer. I will recommend her to anyone who needs help with a mortgage!”

Andrew M

”

Our Happy Customers

Richard

Reviewed for Patrick Nitsche on Feb-17-2026
“Patrick was quick to work with us on getting a rate that we felt comfortable with.”

Sarah D

Reviewed for Dominick Lombardo on Feb-16-2026
“Friendly honest Smart the only person i I would deal with”

Robert

Reviewed for Paul Galeski on Feb-16-2026
“He worried about it as if it were his own matter and helped move the loan process forward, and it progressed faster than expected.”

Youngai

Reviewed for Dan Lapic on Feb-16-2026
“Just an easy straightforward process. Fantastic support system and a easy quick closing!”

Alexander

Reviewed for Mike Sweeney on Feb-16-2026
“Both Mike and Ron went above and beyond. We were not easy clients!”

Robert A.

Reviewed for Maribel Aparicio on Feb-16-2026
“Maribel gave us an amazing and smooth experience . definitely recommend her to everyone. Answers all question & very helpful.”

Ema Cecilia

Reviewed for John Longstreet on Feb-15-2026
“Dealing with all associated was great. Especially Eddie I highly recommend them when when considering a need for home financing”

Steven Al

Reviewed for Maribel Aparicio on Feb-14-2026
“To Me, She Make everything Easy On. Me I didn't have any problems. Everything go Real Mood.”

Neftali Isabel

Andrew M

Great Service

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Streamlined Process

Wanting your mortgage loan process to be painless shouldn’t be wishful thinking. Your licensed and experience loan officer will help you understand your options as you can select the right solution for your needs, then your dedicated Allied team will work hard to make the process as easy as possible and keep you updated along the way. And because our team members are local your loan will receive the proper attention in a timely manner.

Expertise

Allied has successfully weathered the ups and down of the market for over 25 years. We’ve remained agile – always providing the best possible service and solutions to our customers. We’re humbled and proud of the trust we have built over this time. We’ve earned this by being dedicated to our customers and always treating them with dignity and respect

Our 25+ Year History

of success is built on INTEGRITY, REPUTATION, and COMMITMENT

We offer customized loan solutions to fit almost every lifestyle and need
We hire and retain the industry’s best professionals
We consistently deliver an efficient loan process
We’ve proudly earned an overall satisfaction rating of 98.6 percent from our customers

GET STARTED

FAQ – Schema Pro

How do you qualify for a loan?

Buying a home can be intimidating, especially if it’s your first home. After all, this is probably the biggest purchase you’ll ever make.

Take a deep breath! When we meet with you, we’ll just want to learn a few basics about you and your unique situation.

We’ll review the following details:
• Where you work
• Your income
• Any debt you have
• Your assets
• How much you plan to put down on your home

We will clearly explain your mortgage options and answer all your questions so you feel confident in your decision. A mortgage is a huge financial commitment, so we’ll make sure you have the right plan in place.

What’s the difference between being prequalified and preapproved?

A quick conversation with us is all it takes to get prequalified. But if you want to get preapproved, we will need to verify your financial information and submit your loan for preliminary underwriting.

A preapproval takes a little more time and documentation, but it also carries a lot more weight with Realtors and home sellers.

Which is better? Think of prequalification as an initial step and preapproval as the green light signaling that you’re ready to start your home search. When sellers review your offer, a preapproval means you’re a serious buyer whose lender has already started the loan process.

How much should you save for a down payment?

You can put down as little as 3.5% with some programs. If you put down 20%, you avoid private mortgage insurance.

Saving for a down payment takes time. but it’s worth it. Here’s why:
• You’ll have built-in equity when you move into your home.
• You can finance less, which means you’ll have a lower monthly payment.

But be sure to ask your Loan Officer about our low and no down payment programs. That may be just what you need to get that home!

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FHA Mortgage

USDA Mortgage

203(k) Mortgage

Fixed Rate Mortgage

Adjustable Rate Mortgage

Great Service

Our Happy Customers

Our Happy Customers

Great Service

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Our 25+ Year History

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How should your loan officer contact you?

Your information is kept confidential.

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What Differentiates Lending Institutions?

Interest Rates and Money Markets

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