VA LOANS

Compare the benefits of VA loans with other mortgage types and learn how to get the most out of your VA benefits

VA Approved Condos: Everything You Need to Know

As a veteran seeking to become a condo owner, it’s vital to understand the VA condo approval process. Not al...

Ultimate Guide to VA Loan Termite Inspections

The Department of Veterans Affairs (VA) presents an attractive financing option for veterans and their familie...

Your Complete Guide to VA Loans for Mobile Homes and Manufactured Properties

Veterans and active duty service members may be eligible for a special type of mortgage known as the VA loan, ...

A Guide to VA Loan Points

VA loan points are the same as loan points on a conventional mortgage, but they may not be as advantageous as ...

Do VA Loans Have Mortgage Insurance?

It can be tough to save up for a down payment, but VA loans offer an alternative since you may not have to put...

VA Forbearance Guidelines: What You Need to Know

Many homeowners have been facing hardship over the last few years related to the pandemic, which has caused se...

The VA Loan Pre-Approval Process

Both veterans and active military service members can qualify for a VA loan if they meet the minimum qualifica...

100 Percent Disabled Veteran Home Loan

The VA loan allows for 100% financing for eligible borrowers. Active duty service members, veterans, and survi...

VA Loan Calculator

VA loans are government-backed home loans created for military members, veterans, and military spouses with a ...

VA Restoration of Entitlement

VA entitlement is a benefit veterans are eligible for that allows them to get qualify for a VA loan. Entitleme...

VA Debt Consolidation Loans for Veterans

If you are drowning in debt and barely making your minimum monthly payments, it may be time to consider a VA d...

What Are VA Non-Allowable Fees & Who Pays Them?

When you take out a home loan, you’re subject to closing costs, which can significantly impact your home...

What Is a VA ARM Loan?

The U.S. Department of Veterans Affairs (VA) backs mortgage loans taken out by eligible service members and ve...

A Guide for Military First-Time Home Buyers

For members of the U.S. military, there are programs available to assist with lowering the cost of homeownersh...

VA Loan Limits

Buying a house can be both an exciting and a stressful experience. For most home buyers, the process of securi...

VA Home Loan Rules on Selling: What You Need to Know

Are you a veteran or service member who used a VA loan to purchase your home? If so, you may be curious about ...

Joint VA Loan: What It Is & How to Get One

For those who have served in the U.S. military, VA loans are a mortgage benefit that can help you get a home. ...

How Long Does It Take to Get a VA Loan?

Are you considering purchasing your dream home with your first VA loan? If so, you may be wondering how long i...

What Is a VA Statement of Service?

Eligible veterans, active duty service members, and surviving spouses may be eligible for a VA loan, with bene...

VA Loan Debt-to-Income Ratio Guidelines

In the last several decades, VA loans have helped military members, veterans, and their families achieve their...

VA Loan Occupancy Requirements

Obtaining a VA loan is a way for active duty service members, veterans, and their spouses to take advantage of...

Debunking Myths and Revealing Truths about VA Home Loans

In this fireside chat video, Scott Van Vugt and I discuss the myths and truths of VA Home Loans. We highly rec...

The VA Loan Process Timeline

Veterans put their lives on the line to help us protect this country, and they deserve all of the assistance t...

Are VA Loans Assumable? Pros & Cons

Investing in a home or property is not always as simple and straightforward as applying for a loan or reaching...

Credit Repair for Veterans: VA Credit Help

According to a recent study, veterans are more likely to have credit issues than civilian borrowers. While you...

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With a simple 10-step mortgage process, Griffin Funding strives to make applying and securing a home loan easy, transparent, and quick.

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DSCR LOANS

Learn how to begin or continue building your real estate investment portfolio without the need for a hard money private loan

How to Build a Real Estate Portfolio

From understanding the fundamentals of real estate investments to setting clear financial goals, each element ...

Leveraging DSCR Loans for Airbnb and Other Short-Term Rentals

Short-term rental properties can help you build wealth over time, and thanks to the popularity of Airbnb, beco...

San Diego Real Estate Investing

Real estate investing can be a profitable and reliable way to build wealth over time, and San Diego is no exce...

DSCR Loan vs Conventional Loan

If you are a new or seasoned real estate investor, it can be difficult to qualify for traditional forms of fin...

Do You Need Pay Stubs to Buy a House? How To Prove Your Income

Lenders ask for the necessary documentation to ensure you qualify for a home loan, including job history, tax ...

What Is a Good Debt Service Coverage Ratio?

Real estate investors seeking an investment property loan should consider their debt service coverage ratio (D...

Calculate Your Debt Service Coverage Ratio (DSCR)

Real estate investors can choose many different types of home loans to finance their property purchases. A DSC...

DSCR Loans in New York

A debt service coverage ratio (DSCR) loan is a type of commercial loan that is typically used for investment p...

DSCR Formula and Calculation

“No tax returns needed! No income verification! Use your rental income to finance your investment proper...

Build a Cash Flow Positive Real Estate Portfolio with One Simple Loan

Griffin Funding offers Investment Property Loans, or DSCR loans. A DSCR loan is a type of non-QM loan for new ...

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Bank Statement Loans

Whether you’re looking to buy your first home or are already a seasoned real estate investor, these tips can help set you up for success

Bank Statement Loan Calculator

Becoming a homeowner is a big step, and you must be financially prepared. Asking yourself, “How much house c...

What is an Asset Depletion Mortgage & Is It Right for You?

When most people think about home loans, they’re thinking of conventional loans. These loans have strict...

A Guide to NINA Loans

Investing in real estate can help you passively build wealth over time — whether you purchase a primary resi...

Stated Income Loans

Applying for a mortgage is a significant moment that means you’re ready to buy a house. Unfortunately, m...

Understanding Your Mortgage Statements

If you have a mortgage, you’ll receive your statement every month with crucial information that tells yo...

How Many Months of Bank Statement Do You Need to Qualify for a Mortgage?

When applying for a mortgage loan, your lender will ask for various documents to verify your employment and in...

No-Income Verification Mortgage: Guidelines & Considerations

Purchasing a home is the most significant and fulfilling transaction most people will make in their lifetimes....

Preparing a Proof of Funds Letter for Your Mortgage

When shopping for your dream home, sellers want to know you’re someone they can trust. Unfortunately, buyers...

Bank Statement Loans for Self-Employed Homebuyers in San Diego

As a self-employed individual in San Diego, obtaining financing to buy real estate can be challenging. However...

How to Get Approved For a Home Loan

Most people know that if they want to buy a house, they’ll need to take out a home loan. However, not ev...

Retirement Mortgages: A Guide to Mortgages for Retirees

Are you interested in taking out a mortgage in retirement? Getting a traditional mortgage can often pose a cha...

A Guide to Getting a Mortgage When You’re Self-Employed

If you are self-employed, you may have heard that getting a mortgage is a bit different. A mortgage for self-e...

What Is a Bank Statement? How to Get Bank Statements & Secure a Loan

If you are a first-time home buyer, it’s important to explore all your options when trying to secure fun...

How to Get a Loan When You’re Self-Employed

Being self-employed comes with its benefits and drawbacks. While you may be your own boss, you’re seen a...

Home Affordability Calculator

Becoming a homeowner is a big step, and you must be financially prepared. Asking yourself, “How much hou...

HELOANs for Self-Employed Homeowners

Home equity loans, also known as HELOANs or second mortgages, can be a great way for self-employed borrowers t...

Bank Statement Loans for First-Time Home Buyers

Bank statement loans for first-time buyers are a way to secure a mortgage using non-traditional means. When yo...

Mortgage Loans for Gig-Workers, 1099, Social Media Influencers, Self Employed and More!

While the gig economy has been around for a while, since COVID hit, it has completely blown up. In 2020, the g...

How Bank Statements Loans Can Get You Your Desired Home Mortgage

Sandra has always been very independent. From a young age, she found creative ways to earn money, from lemonad...

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Mortgage

Stay up to date with the most recent mortgage trends and get useful advice to guide your home financing

How Does Mortgage Interest Work?

First-time and even seasoned home buyers typically ask their mortgage lender many questions during the home bu...

How to Use a Self-Directed IRA for Real Estate?

Offering you the best of both worlds, a self-directed IRA for real estate, or SDIRA, offers the preferential t...

What Is High-Net-Worth Lending?

That is exactly what high-net-worth lending is. It includes a more personalized level of service that is often...

5-8 Unit Commercial Multifamily Financing

In this article, we’ll discuss 5-8 unit commercial multifamily financing, exploring the unique opportunities...

What Does Homeowners Insurance Cover?

This insurance serves as a safety net, offering financial protection in the face of unforeseen events that cou...

ADU Loans: How to Finance an ADU

In this article, we’ll explore various methods and loans for financing ADUs to help you capitalize on this g...

Prepayment Penalty on a Mortgage: What to Know

One significant hurdle that borrowers may encounter is a prepayment penalty, which is a fee that’s triggered...

Contingent vs Pending: What Does It Mean in Real Estate?

Knowing the differences between contingent vs. pending is crucial, as it can help you understand how close a p...

Origination Fee: What Is a Mortgage Origination Fee?

So, what is an origination fee? In this article, we’ll discuss what a mortgage origination fee is, how it im...

Why Should I Buy a House?

Beyond the practical necessity of having a place to call home, purchasing real estate is often viewed as a sym...

Refinance an Investment Property: What to Know

In this article, we’ll discuss the key benefits and considerations associated with refinancing an invest...

What Is an Assumable Mortgage? Assumable Loans Explained

An assumable mortgage is when the buyer takes over, or “assumes”, the seller’s home loan. Some considera...

1031 Exchanges: Definition, Rules, & What to Know

So what is a 1031 exchange in real estate? While the concept of a 1031 exchange might sound appealing, its int...

Types of Real Estate Investments: Residential, Commercial, and More

For the new investor, the variety of real estate investment options can be overwhelming. Residential propertie...

15 Questions to Ask a Mortgage Lender

Purchasing a home is one of the most significant financial decisions most people make in their lifetimes. With...

How Does a Home Equity Loan Work?

One of the most popular ways to access your home equity is to use a home equity loan (HELOAN). Home equity loa...

Tax Haven: 9 States With No Income Tax

Many corporations and individuals strive to maximize their money by avoiding paying local and federal taxes. A...

Short-Term Mortgages

The right mortgage program can help you save money while paying off your debt. While 30-year mortgages are the...

Is Refinancing for Home Improvements Worth It?

Your home isn’t just where you live—it’s an investment. As with any asset, the goal is to enhance its va...

Can You Refinance an Adjustable Rate Mortgage (ARM) Loan?

The adjustable-rate mortgage (ARM) is characterized by its variable interest rates that shift with market cond...

Average Home Appreciation Per Year

When considering homeownership, many people think beyond the immediate shelter and security of a home and lean...

When Is Your First Mortgage Payment Due?

Understanding your mortgage can be challenging, especially if you’re a first-time home buyer. Among the ...

Fair Market Value (FMV) Explained

When buying or selling a house, you’ll often hear the term “fair market value” or FMV. This ...

Dry Funding States: What States Allow Dry Funding in Real Estate?

How funds are handled in real estate transactions varies based on various factors, including location. Underst...

Understanding Notice of Default: How to Respond to a Default Notice

Homeownership is a significant investment. Like all major financial commitments, you’ll have several res...

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We’re here to help walk you through your home-buying journey, whether you’re just starting your search or looking to refinance your current property.

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