Home Purchase Loans

Allied Offers Numerous Home Purchase Loan Options

There’s never really a bad time to buy a home. Your lifestyle, financial situation and long-term
plans should all factor into your decision.

If you’ve been shopping and your offer has been accepted, we can streamline the loan
experience to help get you into your home as quickly as possible. If you’re still looking, get
prequalified now so home sellers will take your bid seriously when you’re ready to make an
offer.

Talk to one of our licensed loan officers to get started.

Conventional Fixed-Rate Mortgage Loans:

These are your typical home loans often associated with 15- and 30-year terms. The fixed rate offers borrowers certainty with a consistent monthly payment amount, regardless of future rate fluctuations.

Benefits

Fixed rates mean consistent principal and interest payments.
The loan will fully amortize over the life of the mortgage.
Payment doesn’t change when interest rates change.

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Adjustable-Rate Mortgage Loans:

As the name implies, these adjustable-rate mortgages (ARMs) feature an interest rate that changes after a fixed amount of time. ARMs typically offer lower interest rates than fixed mortgages initially but reset to the market rates after a pre-defined number (often 5, 7, and 10 ) of years. Note there’s always the potential that rates increase over time, which is why we don’t recommend these loans for risk-averse borrowers or borrowers.

Benefits

Lower payments and initial interest rates
Paydown mortgage faster
Buy more house.

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Jumbo Loans:

A jumbo loan is a mortgage for an amount that exceeds the limits set by Fannie Mae and Freddie Mac. So as its name implies, a jumbo loan covers a larger than normal loan amount.

Benefits

Allows you to borrow more than traditional loans.
Opportunity to buy a larger, more luxurious home.
Finance multi-unit investment properties and second homes

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Our Happy Customers

Reviewed for Justin Wallace on Oct-12-2025
“Justin was absolutely fantastic, as was Monique – my problems were strictly with the underwriting department and the documents that were not required in the state of NJ – to ask for a document of good standing on an LLC that was just formed days prior, or an Operating Agreement on a 2 member LLC is ridiculous . Both of these documents cost me almost $750 that I wouldnt have needed to spend with another lender . Lesson learned, but again Justin and Monique were top notch , no complaints about them.”

Anthony

Reviewed for Michael Grant on Oct-11-2025
“i had tried getting my mortgage with other lenders and nobody could make it happen, but allied did! I am so happy to be a first time homeowner and its it's all thanks to michael at allied! He's a great lender and his co workers who helped are all so amazing too”

Casey

Reviewed for Christopher Peterson on Oct-10-2025
“My wife and I just closed on our first home after a four year long journey. Chris was there for us every step of the way. His dedication to us over the years was a bright spot in all the highs and lows on this long road to buying a home! I would HIGHLY reccommend Chris and his team at Allied over and over again!”

Matthew

Reviewed for Justin Wallace on Oct-10-2025
“Justin was fantastic, honest and professional. Would not hesitate to work with him again. He answered all our calls and emails, never left us in the dark and made sure all our questions were answered. Thank you Justin!”

Kevin Gene

Reviewed for Eduardo Buller on Oct-09-2025
“They took care of everything, including the details. All questions were answered promptly and thoroughly. I would certainly recommend them to anyone.”

Diane Carol

Reviewed for Anthony Mendicino on Oct-09-2025
“i would like to know ahead of time the amount of money I have to pay the day of settlement”

Enkelejda

Reviewed for Patrick Nitsche on Oct-09-2025
“I really appreciated how patient Patrick was and that he took the time to walk through and explain the documents to me and answer all of my questions to ensure I felt comfortable moving forward with my refinance. Thank you!”

Michelle

Reviewed for Paul Bierly on Oct-08-2025
“finishing the task at hand”

Jovaun E

Reviewed for Michael Putelo on Oct-07-2025
“Michael is the reason I selected Allied as my lender. He offered a fair quote upfront, no game playing as I had experienced with other lenders. His friendly demeanor coupled with his willigness to walk me through my first home -buying experience was unmatched.”

Vanessa

Reviewed for Joseph McCann on Oct-07-2025
“Joe got the ball rolling from day one – closed in 30 days thank you”

William J