1031 Exchanges: A Complete Guide | Griffin Funding
1031 exchanges can be a great tool for real estate investors seeking to defer capital gains taxes on property sales. Learn more about 1031 exchanges here.| Griffin Funding
Use Our Cash-Out Refinance Calculator Use our comprehensive cash-out refi calculator below to explore your refinancing options and see how much cash you could potentially access from your home’s equity. What Is a Cash-Out Refinance? A cash-out refinance is a mortgage refinancing loan that replaces your existing loan with a new mortgage for more than... The post Cash-Out Refinance Calculator appeared first on Griffin Funding.| Griffin Funding
What Is a Buyer’s Market? Knowing what a buyer’s market is can help you best approach your planning. A buyer’s market occurs when there are more homes available for sale than there are people actively looking to buy. This typically gives buyers the advantage, allowing them to negotiate better prices and terms. It also means... The post Buyer’s Market vs Seller’s Market appeared first on Griffin Funding.| Griffin Funding
Since 1944, the Department of Veteran Affairs has been issuing VA loans to service members and veterans in an effort to help members of the armed forces purchase a home or property. What makes VA loans so attractive is that they typically don’t require a down payment. In addition to no down payments, VA loans... The post VA Loan Requirements for 2025: What You Need to Know appeared first on Griffin Funding.| Griffin Funding
Why It’s Important to Set a Mortgage Budget A house you can afford today should still be affordable tomorrow. Overspending on a mortgage can leave you “house poor,” meaning most of your income goes to your home, leaving little for savings, travel, or emergencies. Setting a mortgage budget isn’t just smart; it’s a requirement for... The post How Much of Your Income Should Go to Your Mortgage? appeared first on Griffin Funding.| Griffin Funding
What Is a Lender Credit? In simple terms, a lender credit is a rebate offered by your mortgage lender to reduce your upfront out-of-pocket costs, specifically your closing costs. It can sound like free money, but there’s a trade-off: you agree to take on a slightly higher mortgage interest rate in exchange. Think of it... The post What Is a Lender Credit? appeared first on Griffin Funding.| Griffin Funding
What Is a Barndominium? A barndominium (or “barndo”) is a portmanteau of “barn” and “condominium,” coined to describe a building that fuses barn-like utility with residential comfort. Originally developed for ranchers and rural dwellers who wanted to live close to their livestock or equipment, today’s barndominiums are stylish, spacious, and incredibly flexible. At their core,... The post What Is a Barndominium? appeared first on Griffin Funding.| Griffin Funding
What Is a Cost Segregation Study? A cost segregation study is a tax tool that breaks down the various components of a commercial or residential investment property to accelerate depreciation deductions. Instead of depreciating the entire building over the standard timeline, this engineering-based analysis identifies specific elements that qualify for shorter depreciation periods. Under normal... The post Cost Segregation Study: What It Is & How It Works appeared first on Griffin Funding.| Griffin Funding
What Is a Non-QM Loan? A non-qualified mortgage (non-QM) loan is a type of mortgage that does not meet the Consumer Financial Protection Bureau’s criteria for a “qualified mortgage.” Qualified mortgages typically follow strict guidelines regarding debt-to-income ratios, documentation, and income verification. In contrast, non-QM loans offer more flexible underwriting standards and are tailored for... The post How to Refinance a Non-QM Loan appeared first on Griffin Funding.| Griffin Funding
1031 exchanges can be a great tool for real estate investors seeking to defer capital gains taxes on property sales. Learn more about 1031 exchanges here.| Griffin Funding
Self-employed professionals face unique challenges when it comes to getting a mortgage. Explore self-employed mortgage options and see how to qualify.| Griffin Funding
Learn how SOFR loans work, their benefits, and what to consider when choosing a secured overnight financing rate loan.| Griffin Funding
Getting a traditional mortgage can be difficult if you’re retired. Luckily, retirement mortgages allow retirees an alternative route to homeownership.| Griffin Funding
No doc business loans can help investors and business owners streamline a loan’s underwriting and approval process.| Griffin Funding
Asset depletion mortgages allow borrowers to convert their liquid assets into qualifying income for a home loan. Learn how asset depletion mortgages work.| Griffin Funding
Residential transition loans can help real estate investors carry out fix and flip projects or secure funding for renovations. Learn more about RTL loans here.| Griffin Funding
Get funding for your fix and flip project. Explore fix and flip loans to help you finance renovations and profit from your real estate investments.| Griffin Funding
Invest in property now with a commercial real estate loan from Griffin Funding. We strive to provide flexible loans with competitive rates—apply today.| Griffin Funding
Discover the types of real estate investments. Uncover residential and commercial options to grow your wealth today.| Griffin Funding
Different types of real estate investment come with unique tax benefits. Learn more about the tax benefits of real estate investing.| Griffin Funding
Learn the basics of real estate investing for beginners. Discover strategies and tips to help you start building wealth through property ownership.| Griffin Funding
DSCR loans allow real estate investors to qualify for financing without proof of income — learn how you can leverage DSCR loans to expand your real estate portfolio.| Griffin Funding
For many potential home buyers who delayed their purchasing decisions until after the election results, understanding the housing market under Trump has become a top priority. Trump’s economic-focused campaign included promises to combat inflation, reduce regulations, and implement new trade policies, which could significantly influence the housing market Trump inherits. With the election uncertainty now... The post Trump’s Housing Market in 2025: What Real Estate Buyers, Sellers & Invest...| Griffin Funding
Discover first-time home buyer programs that offer down payment assistance, lower interest rates, and flexible qualifications to help you buy your first home.| Griffin Funding
Discover the 2025 conventional loan limits and how they impact your mortgage options and how much you can borrow.| Griffin Funding
See today’s current VA home loan rates and learn more about what determines VA loan rates and ways to get the best rate on a VA loan.| Griffin Funding
There are a variety of programs that can help veterans repair their credit. Learn more about the benefits of repairing your credit and how to go about it.| Griffin Funding
The VA loan process timeline involves several steps, but when you work with the right lender you can potentially close on your VA loan in 30 days or less.| Griffin Funding
Getting pre-approved for a VA loan can help streamline the home buying process. Learn what it takes to get pre-approved for a VA loan.| Griffin Funding
Understanding VA loan closing costs is crucial when pursuing this type of financing. Read our complete guide to VA home loan closing costs.| Griffin Funding
Our easy-to-use VA loan calculator makes it simple to estimate a breakdown of your monthly payment when using a VA loan.| Griffin Funding
The VA funding fee is a cost you have to account for when taking out a VA loan. Learn what the VA funding fee is, why it exists, and how much it is.| Griffin Funding
If you’re a first-time home buyer in the military, you have several loan options to choose from. Learn more about loans for military home buyers.| Griffin Funding
In order to get approved for a VA loan, you need a Certificate of Eligibility. Here’s what to know about what a COE is and how to obtain one.| Griffin Funding
Learn more about what VA loans are, how they work, and how qualifying service members and veterans can take full advantage of their VA benefits.| Griffin Funding
Wondering how often you can refinance your home? Learn the rules, benefits, and what to consider before refinancing multiple times.| Griffin Funding
A reverse mortgage allows you to pull out the equity in your home to fund your retirement or big expenses. Apply for a reverse mortgage now!| Griffin Funding
Investment property loans can help you build wealth, diversify your portfolio, and achieve your investment goals. Explore investment property loan options.| Griffin Funding
You can tap into your home’s equity and increase cash flow with a home equity loan. Learn more about whether a home equity loan is right for you.| Griffin Funding
Private money loans can serve as a great resource for real estate investors in need of quick funding. Partner with a trusted private money lender near you.| Griffin Funding
A fixed-rate HELOC offers the convenience of a revolving line of credit with the predictability of a fixed rate. See if a fixed-rate HELOC is right for you.| Griffin Funding
Consolidate debt with a home equity loan. Use a HELOAN to combine your debts into a single monthly payment and get a competitive rate!| Griffin Funding
A home equity loan allows homeowners to tap into their equity to consolidate debt, fund major expenses, and more. Learn more about how HELOANs work.| Griffin Funding
When it comes to choosing a HELOC vs a home equity loan, it’s important to understand how they differ, even though they will both provide financial help.| Griffin Funding
Calculate how quickly you can pay off your mortgage and see the impact of extra payments with Griffin Funding’s mortgage payoff calculator.| Griffin Funding
With asset-based lending, you can leverage your liquid assets to obtain home financing. Learn more about asset-based loans for real estate.| Griffin Funding
Building a real estate portfolio can be a great way to make your money work for you. Here’s how you can start building a real estate portfolio.| Griffin Funding
Use our VA loan affordability calculator to see how much home you might be able to afford when you use a VA loan.| Griffin Funding
HELOC or home equity loan? Understand the risks, rewards, and key differences so you can tap into your home’s equity with confidence.| Griffin Funding
Non-QM loans provide an alternative path to homeownership by offering more flexible mortgage qualification requirements and features.| Griffin Funding
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Bill Lyons is the Founder, CEO & President of Griffin Funding. Griffin Funding is a nationwide boutique mortgage banker that focuses on delivering 5-star service to its clients. The company is a direct-to-consumer lender specializing in DSCR loans, Bank Statement Loans, Home Equity loans, First Responder loans, and VA loans. As a licensed real estate...| Griffin Funding
A DSCR loan enables real estate investors to qualify for financing based on the rental income of a property rather than personal finances. Read how it works.| Griffin Funding
Use our DSCR calculator to estimate your debt service coverage ratio. Calculate your DSCR and expand your investment portfolio with a DSCR loan.| Griffin Funding
Keep up with mortgage trends and learn about mortgage tips and tricks in order to be an informed and competitive buyer in the real estate market.| Griffin Funding
Bank statement loans offer an alternative path to homeownership for self-employed borrowers. Qualify with bank statements instead of typical tax documents.| Griffin Funding
Understanding how to calculate ROI on a rental property allows you to make informed decisions when investing in real estate.| Griffin Funding
Use an ADU loan to construct a home office, a back home, or a rental unit on your existing property. Learn about ADU financing options here.| Griffin Funding
