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 Loan Affordability Calculator: How Much House Can You Afford With a VA Loan?
Factors That Impact VA Loan Affordability Understanding the key factors that influence VA loan a...
VA Approved Condos: Navigating the VA Condo Approval Process
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 PMI? What to Know About VA Loans & 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 p...
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: A Guide to Restoring Your VA Loan 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: A Guide
VA debt consolidation loans are a great tool for veterans, active military members, and certain spouses to obt...
What Are VA Non-Allowable Fees & Who Pays Them?
VA loans were created to help eligible service members, veterans, and their families achieve their dreams of h...
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 for 2025
Buying a house can be both an exciting and a stressful experience. For most home buyers, the process of securi...
VA Loan Requirements for Sellers: 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, Requirements, & How to Apply
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? A Guide to VA Loan Assumption
Investing in a home or property is not always as simple and straightforward as applying for a loan or reaching...
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 fi...
Do You Need Pay Stubs to Buy a House? How To Prove Your Income
Lenders ask for a variety of documentation to ensure you qualify for a home loan, including job history, tax r...
What Is a Good Debt Service Coverage Ratio?
Real estate investors seeking an investment property loan should consider their debt service coverage ratio (D...
DSCR Loan Calculator
Investing in rental properties is a great way to grow your wealth. With over 49.5 million rental housing units...
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
No Doc Business Loans: What You Need to Know
While “no doc” is short for “no documentation,” there are actually no true no doc loans. Instead, they...
Bank Statement Loan Calculator
Becoming a homeowner is a big step, and you must be financially prepared. Use our bank statement loan calculat...
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 in...
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: Definition, Background, & Alternatives
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: Can You Get a Mortgage Without Tax Returns?
Purchasing a home is the most significant and fulfilling transaction most people will make in their lifetimes....
Proof of Funds Letter: What It Is & Why You Might Need One
When shopping for your dream home, sellers want to know you’re someone they can trust. Unfortunately,...
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...
How Self-Employed Home Equity Loans Work
Can You Get a Home Equity Loan If You’re Self-Employed? For many self-employed individuals, there are severa...
Bank Statement Loans: Get a Mortgage as a Self-Employed First-Time Home Buyer
Bank statement loans for first-time buyers are a way to secure a mortgage using non-traditional means. When yo...
How to Get a Mortgage Loan as a Gig Worker
The gig economy has changed the way Americans work — perhaps forever. There are 57.3 million freelancers ope...
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
Conventional Loan Limits in 2025
If you plan to purchase or refinance a home in the coming year, understanding the conventional loan limits in ...
Current Mortgage Rates
What Affects Mortgage Rates? Mortgage rates fluctuate constantly based on a variety of economic variables and ...
Mortgage Refinance Limits
Your Refinancing Options Most owners have several refinancing pathways depending on their financial goals and ...
Pros and Cons of FHA Loans
What Is an FHA Loan? An FHA loan is a mortgage insured by the Federal Housing Administration, a division of th...
USDA Loans vs FHA Loans
What Is a USDA Loan? A USDA loan is a mortgage backed by the United States Department of Agriculture designed ...
Home Loans for a Second Home
What Qualifies as a Second Home? A second home is a property you purchase in addition to your primary residenc...
How Many Times Can You Refinance a House?
What Does It Mean to Refinance a House? Refinancing a house involves replacing your existing mortgage with a n...
Biweekly Mortgage Calculator
Biweekly Mortgage Calculator Ready to see what biweekly payments can do for you? Enter your info into the biwe...
Rent vs Buy Calculator
Rent vs Buy Calculator Use the rent or buy calculator below to estimate the costs involved with renting a home...
Mortgage Payoff Calculator
How the Mortgage Payoff Calculator Works In order to use our mortgage payoff calculator, there are a few key p...
Conditional Approval: Meaning & Next Steps
What Does Conditionally Approved Mean? Conditional approval is a key step in the mortgage process that shows y...
Condo Mortgages: What to Know
What Is a Condo? A condominium, or condo, is a type of property where individuals own their specific unit but ...
How Much House Can I Afford With a $100k Salary?
How Much Home Can I Afford With a $100k Salary? The answer largely depends on your financial situation and oth...
Property Taxes By State
How Do Property Taxes Work? Property taxes are local government fees imposed on real estate, determined by the...
Portfolio Loans Guide: What Is a Portfolio Loan & How Does It Work?
What Is a Portfolio Loan? Mortgage lenders don’t usually keep the loans they originate. Instead, mortgages a...
Reverse Mortgage Loan Limits
What Is a Reverse Mortgage? A reverse mortgage allows homeowners aged 62 and older to convert part of their ...
Home Equity Line of Credit Requirements Checklist
How Does a Home Equity Line of Credit Work? A home equity line of credit (HELOC) is a revolving line of credit...
The Housing Market Under Trump: What to Expect
For many potential home buyers who delayed their purchasing decisions until after the election results, unders...
Second Mortgage vs Home Equity Loan
Let’s break down the differences between a home equity loan vs second mortgage and also explore when a HELOC...
Pros and Cons of Home Equity Loans
How a Home Equity Loan Works A home equity loan lets you borrow money by using your home’s equity as col...
Can You Refinance a Home Equity Loan?
Can I Refinance a Home Equity Loan? Yes, you can refinance a home equity loan (HELOAN). A HELOAN is a type of ...
Home Equity Loan Requirements: What Is Needed to Qualify?
How Do Home Equity Loans and HELOCs Work? Before diving into specific requirements, it’s important to un...
Can You Refinance a Reverse Mortgage?
Why Refinance Your Reverse Mortgage? There are several compelling reasons that make a reverse mortgage refinan...
What Affects Mortgage Rates?
How Are Mortgage Rates Determined? What determines mortgage rates is a complex interplay of market forces, eco...
Mortgage Terms Glossary
2/1 buydown: A 2/1 buydown mortgage is a financing option that offers a temporarily reduced rate. Borrowers pa...
Latest Posts on the Blog
Conventional Loan Limits in 2025
If you plan to purchase or refinance a home in the coming year, understanding the conventional loan limits in ...
Current Mortgage Rates
What Affects Mortgage Rates? Mortgage rates fluctuate constantly based on a variety of economic variables and ...
Mortgage Refinance Limits
Your Refinancing Options Most owners have several refinancing pathways depending on their financial goals and ...