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 Dan Lapic on Mar-17-2025
“Dan made everything about this process so easy and everything went so smoothly.”

Ashley

Reviewed for Rosemarie Gadsby-Devlin on Mar-17-2025
“Great communication, fast replies, and very knowledgeable.”

Courtney T

Reviewed for Thomas Ippolite, Jr. on Mar-15-2025
“Thomas was professional, informative and friendly through out our process. We couldn't have asked for a better person to walk us through this experience. 11/10. Thanks again, Tom!”

Erin M

Reviewed for Wendy Monaco on Mar-14-2025
“The personal attention Wendy gave my wife and I . She was on the ball and we couldn't have asked for a better person to help us buy our first home . Highly recommended”

Kevin S

Reviewed for Yazmin Llamas on Mar-14-2025
“Yazmin really took her time to explain all of the confusing details through out the home buying proccess. Not only was she helpful, she was also easy to reach and communicate with. Very thankful to have worked with her!”

Mauricio

Reviewed for Janet Angelo on Mar-14-2025
“Janet is an incredible, genuine, honest, and rockstar at what she does. From the first phone call to closing, she made this process extremely easy and STRESS-FREE! She consistently kept me informed and addressed any questions/concerns I had with the utmost professionalism. Janet went above and beyond for my family throughout the entire time we worked together. Her communication was outstanding! If you are looking for a loan officer who is not only experienced but also genuinely cares about her clients, I HIGHLY recommend Janet Angelo.”

Andrew Joshua

Reviewed for Gregory Betts on Mar-14-2025
“Thanks !! For everything this people are the best”

Adrian Marcel

Reviewed for Maribel Aparicio on Mar-14-2025
“During every step of the process, Maribel was helpful, honest, and responsive. as first time home buyers, she made sure we knew what to expect and was always available to answer questions .”

Joanna

Reviewed for Mike McKeown on Mar-13-2025
“Mike was responsive and easy to work with.”

Audrey K.

Reviewed for Trevor Kengle on Mar-12-2025
“Anytime, I had a question. It was always answered in a timely manner. My wife and I were made feel comfortable with this experience.”

Alex

”

Our Happy Customers

Reviewed for Dan Lapic on Mar-17-2025
“Dan made everything about this process so easy and everything went so smoothly.”

Ashley

Reviewed for Rosemarie Gadsby-Devlin on Mar-17-2025
“Great communication, fast replies, and very knowledgeable.”

Courtney T

Erin M

Kevin S

Mauricio

Andrew Joshua

Reviewed for Gregory Betts on Mar-14-2025
“Thanks !! For everything this people are the best”

Adrian Marcel

Joanna

Reviewed for Mike McKeown on Mar-13-2025
“Mike was responsive and easy to work with.”

Audrey K.

Reviewed for Trevor Kengle on Mar-12-2025
“Anytime, I had a question. It was always answered in a timely manner. My wife and I were made feel comfortable with this experience.”

Alex

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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What Differentiates Lending Institutions?

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