VA LOANS
Compare the benefits of VA loans with other mortgage types and learn how to get the most out of your VA benefits
How to Choose the Best VA Mortgage Lender for You (2026)
What Makes a VA Mortgage Lender the “Best†in 2026? The best VA lenders in 2026 are those that combine com...
VA Waiting Periods: Seasoning for Foreclosure, Short Sale, & Bankruptcy
What Is a VA Loan Seasoning Period? VA loans offer incredible benefits that make homeownership more accessible...
Griffin Funding vs Veterans United: 2025 VA Loan Comparison
Choosing a VA Loan Lender in 2025 The mortgage landscape continues to evolve, making lender selection more imp...
VA Loan Income Requirements for 2025: What You Need to Know
Since 1944, the Department of Veterans Affairs has issued VA loans to help service members and veterans purcha...
The NAR Settlement and Its Impact on VA Loans: What to Know
What Is the NAR Settlement? The NAR settlement came from a series of lawsuits that challenged how real estate ...
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...
DSCR LOANS
Learn how to begin or continue building your real estate investment portfolio without the need for a hard money private loan
DSCR Mortgage Document Checklist (2025): Exactly What You Need
What Is a DSCR Mortgage Loan? A debt service coverage ratio (DSCR) loan evaluates whether a property’s r...
DSCR Refinance Calculator
DSCR Refinance Calculator What Is a DSCR Loan? A DSCR loan, or debt service coverage ratio loan, is a non-QM (...
DSCR Loan Examples & Use Cases
Who Are DSCR Loans for? Debt service coverage ratio (DSCR) loans are designed for both new and experienced rea...
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
How DSCR Loans Work A STR DSCR loan prioritizes a property’s debt service coverage ratio over the borrowerâ€...
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
Bank Statement Loan Document Checklist
The main difference between bank statement loans and conventional mortgages is how your income is verified. Tr...
Bank Statement Loan Refinance Calculator
Whether you’re looking to reduce your monthly payment, pay off high-interest debt, or reinvest in your busin...
Bank Statement Loan Examples & Use Cases
Who Are Bank Statement Loans for? A bank statement loan is designed for self-employed borrowers who have diffi...
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? What It Is, Why It’s Important, & How to Get One
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...
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
Can I Refinance With Griffin Funding?
Borrowers can refinance with Griffin Funding to lower their rate, change their loan term, or alter their loan ...
What Is PACE Financing?
Property Assessed Clean Energy (PACE) financing has become an increasingly popular option for homeowners looki...
50-Year Mortgage Pros & Cons
As rising home prices continue to challenge buyers, the topic of introducing a 50-year mortgage has come up as...
What Is Mortgage Amortization?
Mortgage amortization is the built-in repayment plan that gradually pays off your home loan over time. Even th...
Net Operating Income: Definition, Formula, & Examples
What Is Net Operating Income (NOI)? Net operating income measures how much money your investment property gene...
Best DSCR Lenders: Griffin Funding vs Angel Oak vs Kiavi vs Visio vs Lima One vs Easy Street
What to Look for in a DSCR Lender Choosing the best DSCR lender for your unique situation means evaluating sev...
Cash on Cash Return in Real Estate: Definition, Formula, & Examples
What Is Cash on Cash Return? Cash on cash return (CoC) is a metric that measures the annual income you generat...
FHA Loan Waiting Periods for Bankruptcy, Foreclosure, & Short Sale
Financial hardships happen to many Americans, but they don’t have to end your homeownership dreams forev...
5 Benefits of Homeownership
As Bill Lyons, CEO of Griffin Funding, shares: “I believe the saying ‘Homeownership is the first step on t...
4 Benefits of Investing in Real Estate
1. Appreciation: Grow Your Property Value Over Time Appreciation refers to the increase in your property’s v...
Real Estate vs Stocks: Which Is the Better Investment?
Understanding the Basics Before you can make an informed decision about investing in stocks vs. real estate, i...
Down Payment Calculator
Planning to buy a home? One of the biggest questions you’ll face is figuring out how much cash you need ...
No Capital Gains Tax on Home Sales Legislation: What to Know
The current tax structure creates challenges for homeowners who have seen their property values soar over rece...
What Does the Fed Rate Cut Mean for Mortgages?
What the Federal Funds Rate Is and Why It Matters When banks need short-term liquidity, they borrow from each ...
DSCR vs. Conventional vs. Bank Statement Loans: Investor Mortgage Comparison (2025)
DSCR Loans A DSCR loan is a powerful financing tool that evaluates investment properties based on their income...
Griffin Funding vs Rocket Mortgage: 2025 Mortgage Lender Comparison
What Is Griffin Funding? Griffin Funding is a California-based national mortgage lender that has built its rep...
A Guide to Investing in Real Estate After Retirement
Traditional retirement investments remain popular, but they come with significant downsides: Stocks: Market cr...
Mortgage Recasting: What It Is & How It Works
Mortgage recasting, also known as a mortgage loan recast, is when you put a substantial lump sum toward what y...
Pre-Approval vs Pre-Qualification: What’s the Difference?
What Is Mortgage Pre-Qualification? Mortgage pre‑qualification is an informal, preliminary assessment of how...
Tips for Buying a House on a Single Income
The Challenges of Buying a Home on One Income Purchasing a home on a single income can present several financi...
Using Gift Funds for a Down Payment: What to Know
What Are Gift Funds for a Down Payment? Gift funds for a down payment are monetary gifts from acceptable sourc...
Closing Cost Calculator
Try Our Closing Cost Calculator What Are Closing Costs? Closing costs are the collection of fees and expenses ...
Rent Estimator: Get a Free Rent Estimate
Rent Estimator Use our free rent estimator to get an instant estimate for any property address and start maxim...
Home Value Estimator: How Much Is Your Home Worth?
How Much Is My House Worth? Curious about your home’s current value? Use the home value estimator below to g...
SALT Deduction: What Is the State and Local Tax Deduction?
What Is the SALT Deduction? The state and local taxes (SALT) deduction is a federal tax benefit for taxpayers ...
Latest Posts on the Blog
Can I Refinance With Griffin Funding?
Borrowers can refinance with Griffin Funding to lower their rate, change their loan term, or alter their loan ...
What Is PACE Financing?
Property Assessed Clean Energy (PACE) financing has become an increasingly popular option for homeowners looki...
50-Year Mortgage Pros & Cons
As rising home prices continue to challenge buyers, the topic of introducing a 50-year mortgage has come up as...