VA LOANS
Compare the benefits of VA loans with other mortgage types and learn how to get the most out of your VA benefits
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...
VA Loan Limits
Buying a house can be both an exciting and a stressful experience. For most home buyers, the process of securi...
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 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...
VA Loan Requirements Explained: How to Use a VA Loan After Getting Out of the Military
One of the most significant benefits of becoming a member of the military is being able to get a VA loan. The ...
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...
VA ARM Loans: What Are They & How Do They Work?
VA loans allow eligible veterans, active duty service members, and surviving spouses to purchase or refinance ...
VA Loan Guaranty: What You Need to Know
A VA loan can help you secure financing for a primary residence with more flexibility. VA loan lenders typical...
DSCR LOANS
Learn how to begin or continue building your real estate investment portfolio without the need for a hard money private loan
DSCR Loan Down Payment Requirements
Are you considering taking out a DSCR loan to purchase your next property? If so, it’s essential that yo...
Navigating the Pros and Cons of DSCR Loans
If you’re a real estate investor, you know how difficult it can be to secure a loan for your next projec...
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 ...
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...
Mortgage
Stay up to date with the most recent mortgage trends and get useful advice to guide your home financing
401(k) Withdrawal for Home Purchase
Saving for a down payment and being able to prove your ability to repay a home loan can be challenging, especi...
How to Buy a House With Low Income
Are you wondering how to buy a house with low income? Buying a house with a low income can be a significant ch...
How to Increase Your Mortgage Pre-Approval Amount
Getting pre-approved is the first step to homeownership. A pre-approval letter demonstrates that you qualify f...
What Is the Adjusted Basis of a Rental Property?
Investing in rental property is all about making money. Unfortunately, earning on a rental property means payi...
Conventional Loan Requirements
Conventional loans are the most common type of mortgage product. Unfortunately, they can be more difficult to ...
How to Make a Cash Offer on a House
If you are looking to forgo a traditional mortgage, it is possible to become a cash home buyer if you have the...
How Long is a Pre-Approval Good For?
A mortgage pre-approval is one of the first steps you should take after making the decision to buy a home. Obt...
What Is Tappable Equity?
For many, a home is the most significant investment they’ll make. But what’s the point of investin...
What Are the 3 Types of Reverse Mortgages?
With a reverse mortgage, you can grow your income with a loan you don’t have to repay until you sell the...
A Guide to MCA Loans
A merchant cash advance (MCA) loan is a type of lending that is based on the average value of credit and debit...
No Doc Home Equity Loan
A home equity loan can help you tap into your home’s equity to consolidate debt and free up your cash flow. ...
Can You Sell a House With a Mortgage?
If you already have equity in your home but you need to relocate or are interested in purchasing a new home, y...
How Much Are Closing Costs?
Buying a home is still a huge part of the American dream. Nevertheless, to achieve this goal, your actions mus...
How Long Does It Take to Refinance a House?
You can refinance your mortgage to fund home improvements, pay college tuition, or accomplish other financial ...
What Credit Score Is Needed to Buy a House?
Are you thinking about purchasing a house in the near future? If so, you have probably heard that there are a ...
Mortgage Pre-Approval: What You Need to Know
When shopping for a house, it helps to know how much you can afford to spend. A mortgage pre-approval helps yo...
Is Property Tax Deductible?
When you purchase a home, you’ll be required to pay various fees, such as homeowner’s insurance and proper...
Debt Consolidation Calculator
If you’re looking for ways to get out of debt, you’re not alone. Many people struggle with paying ...
PMI vs MIP
A home is often one of the most significant purchases you’ll ever make. Unfortunately, not everyone real...
Tax Benefits of Real Estate Investing
Investing in real estate can help you build wealth over time while expanding your portfolio with new opportuni...
USDA Loan Pros and Cons
Homeownership can be expensive, but with the right mortgage, you can save thousands of dollars over the life o...
Does Forbearance Affect Getting a New Mortgage?
If you struggle to make on-time mortgage payments, you may qualify for forbearance. While you’re in forb...
Home Equity Line of Credit
Leveraging the equity you’ve built up in your home can help you pay for large expenses at a lower intere...
How to Calculate ROI on a Rental Property
Investing in rental property can help you grow your wealth, but it also comes with a different set of responsi...
Can You Buy a House With No Money Down?
You can buy a house with no money down when you use certain types of government-backed mortgages. The federal ...
Latest Posts on the Blog
401(k) Withdrawal for Home Purchase
Saving for a down payment and being able to prove your ability to repay a home loan can be challenging, especi...
How to Buy a House With Low Income
Are you wondering how to buy a house with low income? Buying a house with a low income can be a significant ch...
How to Increase Your Mortgage Pre-Approval Amount
Getting pre-approved is the first step to homeownership. A pre-approval letter demonstrates that you qualify f...
