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Land low rates with First class service

Helping airline pilots, active duty military and veterans achieve home ownership.

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”Has access to the best rates, and is a pleasure to work with”

Military veteran home buyer

“Our experience with Steve was nothing short of incredible”

Airline Pilot Home Buyer

“Very responsive and easy to work with”

Military veteran home buyer

Steve your loan officer

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Always on time

"And for the flyers out there, there is no one else to call. He more than understands our world and made this really easy."
-Mr. Jones, Airline Pilot in Georgia

Today’s rates

Why work with me

Low rates

Our specialized low rates, custom-crafted for pilots' and military veterans' financial journeys and unique lifestyles

Constant communication

Clear skies ahead with constant communication, ensuring our clients stay informed and confident at every step of homeownership

Trust

We earn your trust with every mile. Dependable, transparent, and steady guidance for pilots and veterans navigating the path to homeownership.

My pilot promise

I personally guarantee an on-time closing, or I pay you $500.

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Hi, I’m Steve Ton and my mission is to look out for your interest

I create Aviator Home Loans as a trusted brand to delivery low rates with first class service to Airline Pilots and Veterans. My team specialized in VA Loans and understanding the challenges with airline pilot pay.

17+
Years in the Navy
25
Years of mortgage experience on my team
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A mortgage pre-approval is a crucial step in the homebuying process, as it helps you understand your budget and ensures sellers that you're a serious and qualified buyer.

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Seek expert guidance and answers to your questions, all without the worry of being pushed into something that isn't the right fit for your needs.

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4.9/5 average rating

Trusted by over 40 home buyers, airline pilots, veterans, and active duty service members

Steve is awesome!! Cannot express our gratitude enough how Steve helped my family through the process. He was an incredible loan officer and will definitely work with him again.
Ms. Do
Veteran in Virginia
Our experience working with Steve was outstanding! Steve took the time to break down the market, it’s affect on interest rates, explain strategy behind when to lock in, and was there to answer any questions we had in a timely manner. We would highly recommend Steve and his group to anyone looking to buy a home, and look forward to working with him when we refinance down the road.
Mr. Hollen
Buyer in Georgia
"And for the flyers out there, there is no one else to call. He more than understands our world and made this really easy."
Mr. Jones
Airline Pilot in Georgia
Steve made the refinance process so smooth and easy. He was always there to help in any way and was very knowledgeable about every step of the process. I had lots of questions on different documents and where to obtain information they needed and he always stepped up and resolved any problems I had in no time at all. He got me an awesome rate and helped present the information and options in an easy to understand format. He had great advice and understood my goals. I would recommend Steve to anyone and will be asking for his help again in the future.
Mr. Ruleman
Airline Pilot in Tennessee
Steve and his team are simply amazing! I will NEVER work with another lender as long as I have this amazing resource! We could not be happier with our experience and are grateful for our new home! Thanks Steve you are simply a notch way above!
Mr. Bader
Airline Pilot in Colorado
Steve is awesome!! Cannot express our gratitude enough how Steve helped my family through the process. He was an incredible loan officer and will definitely work with him again.
Ms. Do
Veteran in Virginia
Our experience working with Steve was outstanding! Steve took the time to break down the market, it’s affect on interest rates, explain strategy behind when to lock in, and was there to answer any questions we had in a timely manner. We would highly recommend Steve and his group to anyone looking to buy a home, and look forward to working with him when we refinance down the road.
Mr. Hollen
Buyer in Georgia
"And for the flyers out there, there is no one else to call. He more than understands our world and made this really easy."
Mr. Jones
Airline Pilot in Georgia
Steve made the refinance process so smooth and easy. He was always there to help in any way and was very knowledgeable about every step of the process. I had lots of questions on different documents and where to obtain information they needed and he always stepped up and resolved any problems I had in no time at all. He got me an awesome rate and helped present the information and options in an easy to understand format. He had great advice and understood my goals. I would recommend Steve to anyone and will be asking for his help again in the future.
Mr. Ruleman
Airline Pilot in Tennessee
Steve and his team are simply amazing! I will NEVER work with another lender as long as I have this amazing resource! We could not be happier with our experience and are grateful for our new home! Thanks Steve you are simply a notch way above!
Mr. Bader
Airline Pilot in Colorado
Steven did an excellent job getting us locked into a low interest rate promptly. He talked us through the entire process and was extremely patient with all of our questions. He called many times to clarify any details we didn't fully understand. He also reminded us to enjoy the journey of finding our new home! I would of been much more stressed if it wasn't for Steven and his expert knowledge! 10/10 I would recommend!!! Thank you Steven!!
Ms. Kelly
Airline Pilot in Tennessee
Did a VA refinance with Steve on a property I was previously told by another loan officer couldn’t be refinanced. Everything was easy from start to finish and Steve touched base with me nearly every day throughout the entire refinance process to keep me updated on everything. My wife and I couldn’t be happier with the service Steve provided and I would strongly recommend Steve.
Mr. Doot
Military Veteran
Steve is the most knowledgeable loan officer I’ve ever had the pleasure of dealing with! He was communicative, helpful, responsive, and involved with every step of the loan process. He knew the ins and outs of the entire process and went above and beyond to match me with the best rate and mortgage for my situation. I wouldn’t hesitate to recommend him and his team to anyone looking for a mortgage. To put it simply, Steve is the best!
Ms. Alexis
Military Veteran in Georgia
Steven and his team recently helped us navigate the mortgage process for our very first home purchase and it was a great experience! Communication was excellent throughout and their guidance was invaluable - it was apparent they were all looking out for our best interest every step of the way. Highly recommended!!
Mr. Franks
Airline Pilot in Florida
Steven did an excellent job getting us locked into a low interest rate promptly. He talked us through the entire process and was extremely patient with all of our questions. He called many times to clarify any details we didn't fully understand. He also reminded us to enjoy the journey of finding our new home! I would of been much more stressed if it wasn't for Steven and his expert knowledge! 10/10 I would recommend!!! Thank you Steven!!
Ms. Kelly
Airline Pilot in Tennessee
Did a VA refinance with Steve on a property I was previously told by another loan officer couldn’t be refinanced. Everything was easy from start to finish and Steve touched base with me nearly every day throughout the entire refinance process to keep me updated on everything. My wife and I couldn’t be happier with the service Steve provided and I would strongly recommend Steve.
Mr. Doot
Military Veteran
Steve is the most knowledgeable loan officer I’ve ever had the pleasure of dealing with! He was communicative, helpful, responsive, and involved with every step of the loan process. He knew the ins and outs of the entire process and went above and beyond to match me with the best rate and mortgage for my situation. I wouldn’t hesitate to recommend him and his team to anyone looking for a mortgage. To put it simply, Steve is the best!
Ms. Alexis
Military Veteran in Georgia
Steven and his team recently helped us navigate the mortgage process for our very first home purchase and it was a great experience! Communication was excellent throughout and their guidance was invaluable - it was apparent they were all looking out for our best interest every step of the way. Highly recommended!!
Mr. Franks
Airline Pilot in Florida

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Frequently Asked Questions

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  • Is it a good time to purchase/refinance?
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