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 Sumit Rajpal on Oct-13-2026
“Sumit and the entire Allied team are highly recommended. The home buying process was a breeze and it always felt like I was working with family. Sumit made my dream of purchasing a home come true and from start to end I had knowledge of every detail and what was needed. Thank you! 🙏”

Sukhi Kaur Sandhu

Reviewed for Rosemarie Gadsby-Devlin on Oct-11-2026
“When I met Madame Rosemary G, I explained to her about the house. She listened to me and understood me. She has a lot patience..”

Marie

Reviewed for Kevin Zenstein Allied Mortgage Group NMLS #105738 on Oct-11-2026
“I had a great experience working with Kevin. We had encountered an issue but with the help of him and his team they were able to find a solution. I truly appreciate their dedication professionalism patience and commitment to getting everything resolved. Their support made the situation much easier to handle and I’m grateful for all their hard work in helping me move forward with my home purchase. I highly recommend Kevin and his team to anyone looking for a knowledgeable reliable and dedicated loan officer!”

Samuel Pascual

Reviewed for Kevin Zenstein on Oct-11-2026
“I had a great experience working with Kevin. We had encountered an issue but with the help of him and his team they where able to find a solution. I truly appreciate their dedication professionalism patience and commitment to getting everything resolved. Their support made the situation much easier to handle and I’m grateful for all their hard work in helping me move forward with my home purchase. I highly recommend Kevin and his team to anyone looking for a knowledgeable reliable and dedicated loan officer!”

Samuel

Reviewed for Gregory Betts on Oct-10-2026
“Greg was fantastic to work with during our home purchase. He was highly responsive, easy to communicate with, and always available to answer questions and explain the process clearly. His professionalism and commitment made the entire loan process smooth and stress-free. We chose Allied because they offered the best overall loan package and a user-friendly online portal. Even when other lenders tried to match the offer, Greg's exceptional communication and support made the decision easy. I highly recommend Greg and Allied Mortgage for anyone seeking a seamless home financing experience.”

Gabor

Reviewed for Gregory Betts on Oct-10-2026
“They made my crazy situation seem easy to resolve and were so quick in helping me close on my house despite other hiccups outside of their control. Excellent and would do it again!!”

Sarah

Reviewed for Dominick Lombardo on Oct-10-2026
“Dom went above and beyond for us during the purchase of our home he ensured everything was done correctly, in a timly manner, and was extremely professional”

Kyle

Reviewed for Rosemarie Gadsby-Devlin on Oct-09-2026
“Being able to rely on text and call being returned and questions answered.”

Pierre

Reviewed for Dan Lapic on Oct-08-2026
“Dan was great to work with. Kept great communication without being pushy and was very well knowledgable. I think once we hit underwriting and were not approved for the PHFA loan through the state the underwriter could have been more knowledgeable/prepared because we were not able to be approve.”

Kelly

Reviewed for Dan Lapic on Oct-08-2026
“Dan was extremely helpful, responsive, and informative throughout the entire process. I wouldn't have expected him to be so helpful but I am grateful he was and is!”

Megan

”

Our Happy Customers

Sukhi Kaur Sandhu

Reviewed for Rosemarie Gadsby-Devlin on Oct-11-2026
“When I met Madame Rosemary G, I explained to her about the house. She listened to me and understood me. She has a lot patience..”

Marie

Samuel Pascual

Samuel

Gabor

Sarah

Kyle

Reviewed for Rosemarie Gadsby-Devlin on Oct-09-2026
“Being able to rely on text and call being returned and questions answered.”

Pierre

Kelly

Megan

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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November 14, 2022

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FHA Mortgage

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Our 25+ Year History

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