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 Eduardo Buller on Sep-17-2024
“Ed & Susana were very responsive in handling our closing and made everything very easy for us to complete”

Bryan Ty

Reviewed for Rosemarie Gadsby-Devlin on Sep-16-2024
“She was attentive, a problem solved, always available when I was confused about certain things. And she explained things in a way I could understand. She is an awesome person to work with! Thankful for the experience she brought to the table. I will forever appreciate her!”

Shantae

Reviewed for Kailyn McClain on Sep-16-2024
“Kailyn was very prompt and informative in this whole process and made refinancing very easy.”

Casey L

Reviewed for Nancy Garcia on Sep-16-2024
“My experience working with Nancy was great! From the first day I met her she was a wealth of knowledge with guiding my fiance and I in the right direction and throughout the entire process. Was always a call or text away for any questions or concerns we had. She always made it very easy to talk to and always made us feel like no question we had was a dumb one. She always made communication very easy and it was always like talking friend. I would highly reccomend Nancy to anyone in the future and if i ever need more loan services, she will be who I will call. I appreciate everything she did for us.”

Teresa

Reviewed for Sharyn DiCarlo on Sep-15-2024
“Sharyn communicated well throughout the entire process and kept me aware of everything pertaining to the mortgage. Tony and her made the process go very smooth.”

John James

Reviewed for Megan Carr on Sep-15-2024
“Knowledge and experience! Thank you Megan!”

Karen Ann

Reviewed for Andrew Sachs on Sep-14-2024
“Very knowledgeable & accommodating. Very well experience and know the system well. Done a great job in supporting our requirements, highly recommended. Neena and Andrew Sachs deserves the credit for guiding us in the mortgage application process, very professional and qualified individual. We thank them for the help and support. (5 star)”

Leandro G.

Reviewed for Kevin Zenstein on Sep-14-2024
“Kevin is exceptional at his job and the best at mortgages. I trust him with all my transactions a realtor and buyer. Kevin closes deals! If you want a seamless transaction Kevin is your guy.”

Natalie

Reviewed for Robert Glazewski on Sep-13-2024
“All went smoothly, except for a contract change at the end of the transaction that we were unaware of and should have been given a heads up about at which time we would have understood what occurred and not have went into panic when we saw it in our email. But the process went very well considering how stressful it is to purchase a home. Thanks!”

Marguerite

Reviewed for Andrew Sachs on Sep-12-2024
“Andrew and Neena went above and beyond to not only make my home buying experience pleasant but also took the time to educate and provide insight for me. As a first time buyer, my experience was phenomenal.”

Jamorie K

”

Our Happy Customers

Reviewed for Eduardo Buller on Sep-17-2024
“Ed & Susana were very responsive in handling our closing and made everything very easy for us to complete”

Bryan Ty

Shantae

Reviewed for Kailyn McClain on Sep-16-2024
“Kailyn was very prompt and informative in this whole process and made refinancing very easy.”

Casey L

Teresa

John James

Reviewed for Megan Carr on Sep-15-2024
“Knowledge and experience! Thank you Megan!”

Karen Ann

Leandro G.

Natalie

Marguerite

Jamorie K

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

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Our Happy Customers

Great Service

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Our 25+ Year History

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