Lee Korengold

(714) 336-0930

lee@empirehomeloans.com

NMLS# 236625

Jeff Markell

(714) 614-4040

jeff@empirehomeloans.com

NMLS# 224196

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Mortgage Broker Videos

Jeff Markell NMLS# 224196 AKA Grandpa Mortgage 714.614.4040 and Lee Korengold NMLS# 236625 AKA Home Loan Lee 714.336.9030 talk about home loans (and themselves) via their Mortgage Broker Videos. Get to know the Mortgage Broker In OC guys providing mortgages throughout California. Empire Home Loans NMLS# 1838243 #MortgageBrokerInOC #MortgageBrokerVideos

Check out the types of home loans Jeff and Lee provide throughout California and Oregon: www.mortgagebrokerinoc.com 

Jeff entered the mortgage business in 1996. Licensed in California and Oregon, Jeff has dedicated his mortgage career to helping people become homeowners and accumulate wealth through real estate. His broad experience as a Mortgage Loan Originator, as a REALTOR, and in Management make him a trusted advisor you can count on. A California native and U.S. Air Force veteran, he has lived in Orange County for over 30 years. He has been married to his wife, Mary, since 1992, and they have two kids and two grandsons. Jeff and his family love dogs and actively support dog rescue organizations. Outside of work, Jeff is passionate about cycling, golf, music, and motorcycles.

Lee has been a loan officer for 25+ years and has always had one goal: to help his clients find the best loan available with integrity and honesty. Lee says, “It’s a great feeling when I’m part of a transaction that helps a person or family find the home of their dreams.” The most important part of his life is family. Lee has been married to his wife, Paula since 1977. They have 2 sons; one is an officer in the Marines and, the other is a vice president of a major home and commercial builder. Their sons have blessed them with 7 wonderful grandchildren. Lee enjoys going to the gym and playing as much golf as possible.

Watch our Mortgage Broker Videos below. People tell us they can’t get enough of our Videos!

Mortgage Broker Videos
Mortgage Broker Videos

Video 110, Investing in Out of State Real Estate 🏠💰 More millionaires are made in real estate than in any other investment — and if you live in a high-priced market, investing out of state can be a smart move. When home prices in your local area feel out of reach, expanding your search to other states can open the door to better cash flow, lower entry prices, and stronger returns. But here’s the part many investors overlook… 👉 Success depends on having the right team in place. When you invest out of state: 📍 You need people who know the local market 🤝 You need professionals who understand regional pricing, rents, and regulations ✈️ And you need trusted partners because it’s not always easy to jump on a plane when something goes sideways A strong local lender, real estate agent, property manager, and title team can make the difference between a smooth investment and an expensive mistake. If you’re thinking about investing out of state — or wondering whether it makes sense for your situation — this is where smart planning and the right guidance really matter. 📲 Reach out anytime to talk through financing options, loan programs, and how to build the right team before you buy. #InvestingInRealEstate #OutOfStateInvesting #RealEstateInvestor #InvestmentProperty #CashFlowRealEstate #WealthBuilding #RealEstateStrategy #HomeLoans #MortgageTips #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans

Video 109, How Do I Know When It's The Right Time to Refinance? If you have an opportunity to lower your interest rate, shorten your loan term, reduce your monthly payment, or access your home equity for things like debt consolidation, home improvements, or retirement planning, it could be the right move. 🏡💰 But here’s the key: refinancing should always serve your bigger picture—not just today, but long-term. That’s why it’s important to work with an experienced mortgage professional who can review your current loan, your future plans, and help you decide if refinancing truly benefits you. Have questions? I’m always happy to help you make sense of your options and avoid costly mistakes. 👍 🙌 If you found this video helpful, don’t forget to follow - so you never miss more tips to help you reach your homeownership goals! #Refinance #MortgageRefinance #CashOutRefinance #LowerYourRate #HomeEquity #HomeownerTips #MortgageAdvice #GrandpaMortgage #JeffMarkell #EmpireHomeLoans #HomeLoanLee

Video 108, Four Ways to Get Your VA Loan Approved 🏡 Most Veterans are shocked when they hear this: there isn’t just ONE way to get approved for a VA loan — there are FOUR. And if you’ve ever been told “no,” this might completely change how you look at the VA loan process. 💡 Here’s the surprising truth: your VA loan approval doesn’t come down to one single person or one single system. In most cases, it starts with a computer decision — specifically something called an Automated Underwriting System (AUS). Think of AUS as the brain that analyzes your credit score, income, debts, and overall risk, then delivers a “yes” or “no.” But here’s where it gets interesting 👀 ✅ Approval Way #1 – Desktop Underwriter (DU) This is Fannie Mae’s automated underwriting system. Many lenders stop here — but they shouldn’t. ✅ Approval Way #2 – Loan Product Advisor (LPA) This is Freddie Mac’s system. Fun fact: if DU says “no,” LPA might say “yes.” Smart VA lenders always run both systems before giving up. ✅ Approval Way #3 – Manual Underwriting This is where a real human underwriter reviews your file. Manual underwriting allows common-sense judgment — like recognizing legitimate reasons for late payments, gaps in employment, or life events that computers can’t fully understand. ✅ Approval Way #4 – Direct VA Underwriting And here’s the one almost nobody talks about. If all else fails, your loan can be submitted directly to the Department of Veterans Affairs for review. Yes — you can appeal for a second look directly with the VA. 👉 Bottom line: You have four doors to VA loan approval. Don’t stop at the first “no.” If you’re a Veteran who’s been declined, drop a comment or send me a DM. I’ll help you figure out which door you should be walking through next. 💪 #VALoan #VAHomeLoan #VeteransBenefits #ZeroDownHome #MilitaryHomeLoan #GrandpaMortgage #JeffMarkell #HomeLoanLee #EmpireHomeLoans

Video 107, Why Do I Keep Getting Declined for a Mortgage? 🏡❌ Getting turned down for a mortgage can feel frustrating — especially when you don’t know why. But here’s the good news: most mortgage denials come down to just a handful of fixable issues. And once you know what they are, you can take control and finally move toward approval. 💪✨ If you’ve been declined, here are some of the most common reasons: • Low credit score – Even a small drop can change your eligibility. • High debt-to-income ratio (DTI) – Lenders need to know you can comfortably handle a new payment. • Irregular or hard-to-document income – Self-employed? Gig worker? Seasonal income? Lenders might struggle to verify stability. • Recent credit issues – Late payments, new debt, or collections can cause temporary setbacks. But here’s the part most people don’t know: 👉 A denial doesn’t mean you can’t get a mortgage. It just means you haven’t found the right program yet. There are powerful alternative loan options designed specifically for borrowers who don’t fit inside traditional lending boxes, including: • Portfolio mortgages • Bank-statement loans (perfect for self-employed buyers) • Non-QM (non-qualified mortgage) programs These programs can often approve borrowers that conventional lenders decline. If you're watching this and you're struggling to get approved, drop a comment or DM me. Let’s take a look at what’s going on and find out which loan programs might actually work for your situation. You’re closer than you think. 🙌🏡 #DeclinedForAMortgage #MortgageDenied #CantGetApproved #MortgageHelp #GrandpaMortgage #JeffMarkell #HomeLoanLee #EmpireHomeLoans #NonQMLoans #BankStatementLoan

Video 106, 🏡 Buying a Home With Less Upfront | How to Reduce Your Upfront Costs 💰✨ Thinking about buying a home but worried about the upfront cash? Here’s a powerful tip that can save you thousands when you're trying to get into a new home with a smaller down payment. 🙌🔑 Most people assume you must put down a large amount — especially with a conventional mortgage. But the truth is… 👉 You can buy a home with as little as 3% down when you use Private Mortgage Insurance (PMI). PMI is a tool that allows you to purchase a home sooner, without waiting years to save a big down payment. Here’s how it works: 💡 How PMI Helps You Buy With Less Money Down You can put just 3% down on a conventional loan PMI typically costs 0.5% to 1% of your loan amount per year PMI eventually drops off once you reach enough equity — meaning it’s not forever You get into a home faster, start building equity sooner, and avoid rising rents or rising home prices For buyers who can’t afford 10–20% down, understanding PMI can make the difference between waiting years and becoming a homeowner today. 🏡💙 If you want help running your numbers or figuring out how low your upfront cost can be, reach out — we’re here to guide you every step of the way. 👨‍🦳👨‍💼✨ Grandpa Mortgage & Home Loan Lee at Empire Home Loans — helping you buy smart. #LowDownPayment #MortgageHacks #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #FirstTimeHomeBuyer #PMITips #MortgageAdvice #BuyAHome

Video 105, Is It True That I Should ONLY Refinance If I Can Lower My Interest By 1 Percent? A lot of homeowners still believe the old saying: “Never refinance unless you can lower your interest rate by at least 1%.” But here’s the truth… 👉 that rule hasn’t applied for years. Home prices, loan sizes, and the entire mortgage landscape have changed. Today, even a ¼% drop in rate can potentially save you hundreds of dollars per month depending on your loan amount. 💰🔥 In this video, I break down why the 1% rule is outdated and what you should really look at when deciding whether a refinance makes sense — especially in today’s market. We’ll cover: ✔️ Why the 1% refinance rule no longer applies ✔️ How small rate drops create BIG savings on modern loan sizes ✔️ Why your loan balance, current rate, and long-term goals matter more ✔️ How to evaluate your true savings with a refinance ✔️ The importance of working with an experienced mortgage advisor who can run the numbers the right way 📊 Refinancing isn’t one-size-fits-all — and sometimes even a tiny rate reduction can be a game changer for your budget. If you’re thinking about lowering your payment, shortening your term, or tapping equity, let's look at your options together. 🏠✨ 🙌 If you found this video helpful, don’t forget to like, subscribe, and hit the notification bell 🔔 so you never miss more tips to help you reach your homeownership goals! #Refinance #HomeBuying #SaveMoney #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #MortgageTips #RefinanceAdvice #InterestRates

Video 104, Are you getting ready to submit your mortgage application? Feeling a little nervous about whether you’ll get approved? Don’t worry — you’re not alone. Millions of buyers feel the same way, and the truth is… your approval often comes down to a few simple choices you make right before and during the process. 🏠✨ In this video, I break down the top mistakes to avoid so you can walk in confident, prepared, and ready for a smooth approval. 🙌 Here’s what NOT to do when applying for a home loan: 🚫 1. Don’t close any credit accounts You may think closing an old or unused credit card will help you… but it can actually hurt your credit score by reducing your total available credit and shortening your credit history. 🚫 2. Don’t apply for new credit This means no new credit cards, no auto loans, no store financing, no personal loans — nothing. New credit inquiries can lower your score and raise red flags for lenders. 🚫 3. Don’t make any large purchases No new cars 🚗 No furniture sets 🛋️ No huge spending sprees 💳 Large purchases can increase your debt-to-income ratio (DTI), which may cause your loan to be delayed or denied. Remember: Anything that lowers your credit score or raises your DTI can jeopardize your loan approval. Stay steady, stay consistent, and keep your financial footprint quiet until your lender gives you the green light.👍I’ve been helping families for decades — and I’m here to help you too. 👨‍🦳🏠❤️ #MortgageApplication #MortgageTips #MortgageBrokerVideos #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #HomeBuyingTips #MortgageAdvice #LoanApproval

Video 103, 📦✈️ Three Pitfalls of Buying When You’re PCSing (Avoid These!) PCS orders just dropped? You're packing, relocating, juggling timelines, and trying to buy a home fast. 🫡🏠 But rushing into it can cost you big time. In this video, I break down the top 3 mistakes service members make when buying during a PCS — and how to avoid them so your move is smooth, stress-free, and financially smart. 🔥 Mistake #1: Using a random local lender who doesn’t know VA loans Not every lender understands PCS timelines, BAH shifts, special pay, or how fast things can change. You need someone who actually knows military moves — someone who works VA loans every single day. 🚗 Mistake #2: Ignoring commute time to base That house 45 minutes from the gate may look amazing online… but base traffic doesn’t play. Early shifts, kids, duty rotations — always map the actual commute before falling in love with a home. ⏰ Mistake #3: Timing your closing wrong Too early? You may end up paying out of pocket to hold a home while still trying to clear your current duty station. Too late? You’re stuck in TLF or scrambling for a short-term rental. Dialing in your closing date is everything. If you’re PCSing soon, let’s get ahead of it. Plan smart, avoid surprises, and team up with someone who genuinely understands military life and VA lending. 🇺🇸 Need help? Reach out anytime — I’ve got your six. 🙌 If you found this video helpful, follow us, so you never miss more tips to help you reach your homeownership goals! #VA #Veteran #VALoan #ZeroDownPayment #MortgageBrokerVideos #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #PCS #PCSMove #MilitaryHomeBuying #MilitaryFamily

Video 102, Are you trying to buy your next home but your current home still hasn’t sold? 🏡🤔 Don’t worry...this is one of the most common challenges homebuyers face, and the good news is you have options. Let’s break it down in a simple, stress-free way so you can still move forward with confidence and land the home you really want. 💪😊 One option is to submit what's called a contingent offer. That means your offer on the new home depends on selling your current home first. It can work — but here’s the catch: most sellers prefer offers without contingencies, especially if they already have stronger ones on the table. A more powerful strategy is using a bridge loan. 🌉💵 A bridge loan is a short-term financing tool that covers your down payment and closing costs on the new home before your current home sells. This lets you make a non-contingent offer, which is far more attractive to sellers. Once your old home sells, you simply pay off the bridge loan. It’s a smart way to stay competitive, especially in a fast-moving market. If you’ve ever been in this situation, drop a comment and share your experience. 👇You never know who your story might help! #HomeSelling #HomeBuying #RealEstateTips #HomeBuyingProcess #BuyBeforeYouSell #BridgeLoan #ContingentOffer #MoveUpBuyer #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #MortgageBrokerVideos #MortgageAdvice #RealEstateHelp

Video 101, Wondering if there’s a way to buy a home without paying closing costs out of pocket? 🏡💸 You’re not alone — and the good news is YES, several smart strategies can help you get into a home with little to no upfront closing costs. 🙌 In this video, I break down three powerful methods that buyers use every day to reduce or eliminate those out-of-pocket expenses: ✨ 1. Roll Your Closing Costs Into the Loan You’re technically still paying them, but not upfront — this helps you keep more cash in your pocket on day one. ✨ 2. Offer the Seller a Higher Price and Ask Them to Cover Your Costs This is a classic negotiation strategy, especially useful in balanced or buyer-friendly markets. ✨ 3. Use Assistance Programs and Grants Many state and local housing agencies offer grants and credits that cover closing costs for qualified buyers — free money you don’t have to repay! 🆓🏡 If you’ve bought a home without paying closing costs, share your story in the comments! Your experience might help someone else take the next step toward homeownership. 🙏💬 Whether you're a first-time buyer or looking to minimize upfront expenses, this video gives you real, practical strategies that work in today’s market. #HomeBuying #ClosingCosts #NoClosingCosts #MortgageTips #HomeBuyerStrategies #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #FirstTimeHomeBuyer #RealEstateTips #MortgageAdvice #DownPaymentHelp #HomeBuying2025

Video 100, Selling your home and want to squeeze out every dollar of value? 🏠💰 In this video, I break down the smartest ways to maximize your home’s selling price, attract the right buyers, and avoid costly mistakes in today’s ever-changing real estate market. 📉📈 Sure, you can do the basics — stage your home, add a fresh coat of paint, and even get a pre-inspection so you can fix issues before buyers see them. But over the past few years, one thing has become crystal clear… TIMING is everything. ⏰🔥 That’s why having the right team behind you makes all the difference. A qualified real estate agent can offer insider knowledge, local trends, pricing strategy, and negotiation expertise that helps you get TOP dollar. 💼📊 A great agent doesn’t just list your home — they position it to win. If you don’t already have an agent and want a solid recommendation, just drop a comment or slide into my DMs — I’ll connect you with someone I trust. 👍 Whether you're gearing up to sell, curious about market conditions, or just planning ahead, this video gives you the practical steps, expert insight, and confidence you need to sell your home for the most money possible. 💪🏡 #HomeSelling #SellingStrategies #SellForMore #TopDollarHomeSale #RealEstateTips #HomeSellerAdvice #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #RealEstateMarket #HousingMarket2025 #HomeValueBoost #ListYourHomeRight

Video 99, Buying a home isn’t a solo mission 🏠💪 — it’s a team effort! And the stronger your team, the smoother your homebuying experience will be. So… who should you have in your corner? 🤔 First up, the two must-haves: ✅ An Experienced Mortgage Advisor – Your guide to loan options, approvals, rates, and strategies that fit your goals. 💰 ✅ A Trusted Real Estate Agent – The pro who knows your market, negotiates on your behalf, and helps you find “the one.” 🏡 From there, build out your dream team: Financial Advisor 💵 – Keeps your big-picture plan on track. Home Inspector 🔍 – Protects you from costly surprises. Appraiser 📏 – Confirms your home’s true market value. Title Officer 📄 – Ensures your ownership is crystal clear. Real Estate Attorney ⚖️ – Helps with contracts and special cases. Home Insurance Agent 🏘️ – Protects your investment from day one. Every buyer’s situation is different — whether you’re purchasing your first home, a vacation getaway, or an investment property. The right professionals make all the difference between stressful and successful! 🎯 🎖️ I’m Jeff Markell, aka Grandpa Mortgage, and I’ve helped hundreds of families and veterans build their perfect homebuying team. If you want your next home purchase to be smooth, smart, and stress-free — start by surrounding yourself with experience. 🙌 #MortgageAdvisor #HomeBuyingTips #RealEstateAgent #HomeBuyingTeam #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #MortgageBrokerVideos #FirstTimeHomebuyer #VeteranHomeLoans

Video 98, Here’s something that absolutely blows my mind 🤯 — 76% of Veterans aren’t using the VA Loan to buy their homes. That means only about one in four is tapping into one of the best loan programs in America. Let’s talk about why — and why that needs to change 👇 ✅ Zero Down Payment — That’s right, zero. Keep your savings for furniture, family, and freedom. ✅ No Private Mortgage Insurance (PMI) — Unlike FHA or Conventional loans, the VA Loan doesn’t require that costly monthly add-on. ✅ Competitive Rates — VA interest rates are often lower than conventional loans, saving you thousands over time. ✅ Flexible Guidelines — VA loans were designed for you, not against you. So why aren’t more Veterans taking advantage? Too many myths, too little education. Some think it’s complicated. Others assume sellers won’t accept VA offers. The truth? With the right lender who knows the VA inside and out 💪 — like Grandpa Mortgage — it’s easier than you think. If you served this country, you earned this benefit. 🦅 Don’t leave it on the table — use your VA Loan and make homeownership happen. 🏠💙 🎖️ From one Veteran advocate to another — let’s get you the home you deserve. 🙌 Follow us, so you never miss more tips to help you reach your homeownership goals! #VALoan #Veterans #VeteranBenefits #VeteransDay #HomeLoans #ZeroDown #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #MortgageBrokerVideos #VeteranHomeownership

Video 97, Let’s get one thing straight — VA underwriters aren’t the villains trying to crush your home loan dreams. 🏠😤 Most of them want to approve your file — even if it’s borderline. But if you do these three things, you’re practically begging for trouble. 🚫 #1 – Excuse-Filled Letters: Got late payments or bruised credit? Don’t send a sloppy “sorry-not-sorry” letter full of excuses. 🙄 What they want is simple — a clear, honest explanation: ✅ What happened ✅ Why it happened ✅ Why it won’t happen again #2 – Incomplete Files: Missing paperwork = 🚩 Big red flag! That unexplained job gap, outdated bank statements, or unverified dependents can stall your loan fast. Remember: every unchecked box slows your approval. #3 – Mystery Money: Unverified transfers or random cash deposits? 💰 That’s how underwriters lose sleep. If you’re moving money around, talk to your loan adviser first before submitting your file. It’s the difference between Approved ✅ and Denied ❌ 💡 Pro tip: Keep your file clean, honest, and transparent. The VA wants to say yes — just don’t give them reasons to hesitate! 🎖️ From one veteran advocate to another — I’m here to help you win the VA loan game the smart way. #VALoan #VAUnderwriter #MortgageTips #VeteranHomeLoans #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #MortgageBrokerVideos #VALoanApproval #VeteranBenefits

Video 96, Feeling the squeeze from high-interest credit cards or personal loans? 💳💸 You’re not alone — and here’s the good news: your home might be the key to getting out of debt faster. 🏡✨ One of the best financial advantages of homeownership is leverage. When you refinance your mortgage, you can consolidate multiple high-interest debts into one simple, lower-rate payment. That means less stress, lower monthly payments, and more breathing room in your budget. 😌📉 In this video, we’ll reveal how to use a refinance to wipe out high-interest debt, rebuild your savings, and regain control of your finances. Whether it’s credit cards, auto loans, or personal lines of credit — there’s a smart way to use your home’s equity to get back in the black. 🏠💪 💬 From Grandpa Mortgage, Home Loan Lee, and the Empire Home Loans team — we’ll walk you through the steps, the benefits, and what to watch out for before you refinance. 👉 Follow us for more tips on smart refinancing, home equity strategies, and real-world mortgage insights that actually make a difference! #Refinance #DebtConsolidation #HomeEquity #MortgageBrokerVideos #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #FinancialFreedom #LowerPayments #MortgageTips #DebtFreeJourney

Video 95, Want to close on your new home faster? 🏠💨 Then here’s something most people don’t think about when shopping for a lender… timing ⏰! One of the biggest reasons mortgage loans get delayed isn’t paperwork — it’s availability. You’re going to have questions after hours, need pre-approval letters on weekends, or want quick answers while touring homes. If your lender only works banker’s hours, you could lose precious time (or even the home you want). 😬🏡 That’s why choosing the right mortgage advisor — one who’s available after hours and on weekends — can make all the difference. I’ll walk you through how to get your mortgage done faster, what documents to have ready, and how to avoid the bottlenecks that slow most buyers down. From Grandpa Mortgage, Home Loan Lee, and the Empire Home Loans team — we’re here when you need us, not just when it’s convenient. 🙌💪 👉 Follow us for more practical mortgage tips, buyer strategies, and insider advice to make your home loan process smooth and stress-free! #Mortgage #MortgageProcess #Homebuying #JeffMarkell #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #MortgageTips #FastClosing #MortgageAdvisor #RealEstateAdvice #LoanApproval

Video 94, You Don’t Need A 20% Down Payment - Think you need 20% down to buy a home? Think again! 🚫💰 Today’s mortgage market isn’t what it used to be — you don’t need perfect credit or a massive down payment to become a homeowner. 🏡✨ Renters, it’s time to wake up! There are amazing loan programs available that can help you get into your first home with as little as 3% down — and in some cases, even 0% down. 💵💪 Whether you’re a first-time buyer, a veteran, or just tired of paying someone else’s mortgage, there’s a path to homeownership waiting for you. In this video, I’ll break down the truth about down payments, show you how to build equity faster, and explain why waiting to “save up 20%” might be costing you thousands in missed opportunities. 🕒💸 🏠💬 Let’s make homeownership happen — together! #Homebuying #DownPayment #MortgageBrokerVideos #GrandpaMortgage #HomeLoanLee #EmpireHomeLoans #FirstTimeBuyer #ZeroDown #ThreePercentDown #MortgageTips #BuyAHome #RealEstateAdvice

Video 93, How To Get A VA Loan With A Job Offer Letter - 🏠💼 Thinking about buying a home before starting your new job? Sounds impossible, right? Not with a VA Loan! Veterans and active-duty members can qualify for a mortgage using a job offer letter — even if they haven’t clocked a single day at their new position yet. 💪🇺🇸 Here’s how it works 👇 It’s called future income, but there’s a catch — it must be guaranteed. That means a signed, non-contingent offer letter — no “if the contract gets approved” or “once probation ends” language. The VA allows it for stable, predictable income situations — think teachers whose school year starts in the fall, or service members transitioning into civilian jobs after separation. But ⚠️ here’s the twist: not all lenders follow VA rules exactly. Some add extra requirements (called lender overlays), like having to be on the job for 30 days before closing. The good news? With the right lender, you can close up to 60 days before the job starts — as long as you’ve got enough reserves to make those first few payments. 💡 Bottom line: Yes, you can get a VA Loan with a job offer letter — if your lender truly knows the VA guidelines and applies them correctly. I do! 👴 Follow Grandpa Mortgage for more VA Loan hacks, real-world mortgage tips, and insider strategies to make homeownership easier for veterans and first-time buyers alike! 🇺🇸🏡 #VALoan #JobOfferLetter #VeteranHomebuyer #GrandpaMortgage #HomeLoanTips #MortgageBrokerVideos #VABenefits #MortgageEducation #EmpireHomeLoans #HomeLoanLee

Video 92, 🚫💳 Don’t fall for one of the biggest credit myths out there! Many people believe you have to carry a balance on your credit cards to build good credit — but that’s simply not true. 🙅‍♂️ ✅ Here’s the truth: You can charge items on your credit card and pay off the full statement balance each month — and still build a strong credit score! 💪 Paying in full doesn’t hurt your credit; in fact, it helps you avoid unnecessary interest charges and keeps your credit utilization low. 📈 By understanding how credit really works, you’ll protect your score, save money, and take control of your financial future. 💰 Whether you’re preparing for a home loan, rebuilding your credit history, or just want to use credit cards the smart way, this quick tip can make a big difference! 👴💬 Brought to you by Jeff Markell – Grandpa Mortgage, your trusted mortgage educator at Empire Home Loans. Helping you separate fact from fiction in the mortgage and finance world — one myth at a time! #CreditMyths #CreditTips #CreditScore #FinancialEducation #PersonalFinance #MortgageBrokerVideos #GrandpaMortgage #EmpireHomeLoans #HomeLoanLee #MoneySmart #DebtFreeJourney #CreditCardTips #MortgageAdvice #FinanceMadeSimple

Video 91, Being self-employed shouldn’t stop you from becoming a homeowner! 🙌 If you’ve been turned down for a mortgage because your tax returns don’t show the full picture of your income, this video will show you a smarter way to qualify. 💡 Here’s the secret: It’s called a Bank Statement Loan — and it’s designed specifically for self-employed borrowers. Instead of using W-2s or tax returns, lenders use your bank deposits to calculate income. That means your true earnings are finally recognized, not just what’s left after business write-offs. In this video, we’ll break down: ✅ How bank statement loans work ✅ What documentation you’ll need ✅ How to improve your chances of approval ✅ Why working with an experienced mortgage broker makes all the difference Don’t let being your own boss stop you from owning your dream home! 🏠💪 If you’re self-employed and ready to buy, refinance, or explore your options — reach out today and let’s make it happen. 📞 Empire Home Loans | Jeff Markell (714) 614-4040 📧 jeff@empirehomeloans.com 🌐 www.mortgagebrokerinoc.com #SelfEmployed #HomeBuying #MortgageTips #BankStatementLoan #MortgageBrokerVideos #GrandpaMortgage #EmpireHomeLoans #MortgageHelp #HomeLoanLee #SelfEmployedMortgage

Video 90, VA Loans are amazing because they offer $0 down, but what most people don’t realize is that closing costs can still add up to thousands of dollars. 💸 On a $400,000 home, closing costs like lender fees, escrow, title, insurance, and taxes can be $10,000 to $16,000. Here’s the truth: some VA costs are capped, some you can’t pay at all, and some you can manage creatively. Here’s how: 1️⃣ Ask the seller to cover them – VA allows the seller to pay all closing costs. 2️⃣ Get a lender credit – slightly higher rate but fewer upfront dollars. 3️⃣ Raise the purchase price – fold the costs into the home price. 4️⃣ Use a gift, grant, or personal loan – all VA-approved options. 💡 Bonus Tip: Some costs like prepaid taxes or mortgage points might be tax deductible. Always check with your tax advisor. DM me “VA Closing” and I’ll send you the full checklist so you’re never caught off guard at the table! ✅ 🙌 If you found this video helpful, don’t forget to like, subscribe, and hit the notification bell 🔔 so you never miss more tips to help you reach your homeownership goals! #VAHomeLoan #ClosingCosts #HomebuyingTips #Veterans #MortgageBrokerVideos #GrandpaMortgage #EmpireHomeLoans #HomeLoanLee

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Video 89, Is There Any Way to Drop Private Mortgage Insurance?🏠💰 Paying for Private Mortgage Insurance (PMI) every month can feel like throwing money away — but the good news is, there are ways to drop it! In this video, I’ll break down 3 proven strategies to help you eliminate PMI and lower your monthly mortgage payment fast. 👉 You’ll learn: 1️⃣ How to request PMI cancellation once you hit 80% loan-to-value (LTV). 2️⃣ Why refinancing might remove PMI — especially if your home’s value has increased. 3️⃣ How a new appraisal could make you eligible to ditch PMI even sooner. 💡 Whether you’re a first-time homeowner or looking to refinance, these tips can help you save big over the life of your loan. 🔔 Subscribe for more insider mortgage tips from Grandpa Mortgage and Empire Home Loans, and discover smart ways to manage your mortgage, build equity, and achieve financial freedom! 🏡💸 Stop paying for PMI sooner than you think! #Mortgage #PMI #PrivateMortgageInsurance #MortgageBrokerVideos #GrandpaMortgage #EmpireHomeLoans #HomeLoanLee #HomeLoans #RefinanceTips #MortgageAdvice

Video 88,💰🏡 How To Get Down Payment Assistance: Dreaming of owning a home but short on cash for a down payment? You’re not alone — and there’s help available! In this video, we break down three powerful resources that could make your homeownership dreams a reality. From state housing finance programs to local city and county assistance, and even HUD’s national options, you’ll learn where to look, how to qualify, and what steps to take next. ✨ Whether you’re a first-time homebuyer or just need a little boost to get started, this guide gives you clear, actionable tips to find programs that fit your situation. The key is knowing where to look — and we’ll show you exactly where. 🚀 Ready to start your journey to owning a home? Hit play, take notes, and visit your state, county, city, and HUD websites for the latest down payment assistance programs near you. Your new home might be closer than you think! #DownPaymentHelp #HomeBuyingAssistance #FirstTimeHomeBuyer #MortgageBrokerVideos #GrandpaMortgage #EmpireHomeLoans #HomeLoanLee

Video 87, Thinking about buying a home but wondering if it really pays off at tax time? 🏠💰 You’re not alone! In this video, we break down the real financial advantages of homeownership compared to renting — and trust me, some of these might surprise you. Discover how owning a home can open the door to major tax deductions, including: 1️⃣ Mortgage interest deduction 2️⃣ Mortgage insurance premiums 3️⃣ Property tax payments While renters don’t get these perks, homeowners often see thousands in savings over time. 💸 I’m not a tax professional, so definitely confirm the details with your CPA — but these are some of the biggest reasons many people say that owning beats renting in the long run. If you’re thinking about buying a home or just want to better understand the financial side of real estate, Call Jeff at (714) 614-4040 or Lee at (714) 336-0930! 👉 Let’s make homeownership work for you! For personalized guidance, reach out to me anytime — I’m here to help you make smart, confident decisions. #Homebuying #TaxBenefits #RentVsBuy #MortgageTips #RealEstateAdvice #MortgageBrokerVideos #GrandpaMortgage #EmpireHomeLoans #HomeLoanLee

Video 86, Ever wonder how a $0 down VA loan can still end up costing thousands at closing? 🤔 You’re not alone! While VA loans are one of the best benefits available to veterans and service members, there’s a lot more to know about closing costs before you sign on the dotted line. In this video, we’re breaking down where that money actually goes — from property taxes and insurance to lender fees, VA appraisals, and everything in between. 💵 Learn which costs are fixed, which are negotiable, and which ones are set by law so you can plan ahead and avoid surprises at closing. 💡 You’ll Learn: ✅ Why “0 Down” doesn’t mean “no cost” ✅ Typical closing costs on a $400,000 VA loan ✅ What fees are veterans legally protected from paying ✅ How to negotiate closing costs with sellers or lenders ✅ Smart ways to cover your closing costs — without breaking your budget Some lenders might roll your closing costs into your loan with a slightly higher rate, while sellers can sometimes help cover them. 🏡 But each option comes with trade-offs — higher payments, longer-term debt, or tighter approval conditions. 👉 Before you start house hunting, talk to your VA Expert to find the best strategy for your financial situation. 📞 Contact: Jeff Markell (714) 614-4040 | Home Loan Lee (714) 336-0930 | Mortgage Broker Videos 🎬 Subscribe for more clear, veteran-friendly mortgage advice from Grandpa Mortgage — helping you make smarter homebuying decisions every step of the way! #VALoan #VACloseCosts #Veterans #HomeBuying #MortgageTips #GrandpaMortgage #EmpireHomeLoans #HomeLoanLee

Video 85, Where to Find Downpayment Assistance for Your Home 🏡💰 | Mortgage Broker Tips - Looking to buy a home but struggling to cover the downpayment? 🏠💸 Don’t worry — there are programs and resources designed to help first-time buyers and homeowners in need of financial assistance. In this video, we break down where to find downpayment assistance, how these programs work, and the eligibility requirements so you can get the support you need. Learn how to maximize your opportunities, reduce your upfront costs, and take the first step toward owning your dream home! 💡 You’ll Learn: ✅ Types of downpayment assistance programs ✅ Federal, state, and local options ✅ How to qualify for grants or low-interest loans ✅ Tips from “Grandpa Mortgage” on smart homebuying ✅ Steps to combine assistance with your mortgage for maximum benefit Whether you’re a first-time homebuyer or looking to move into your next property, this guide will give you the knowledge to make your homeownership dream a reality! 💬 Have questions about downpayment assistance or home loans? Comment below and we’ll help you out! 📞 Contact: Empire Home Loans (714) 614-4040 | Home Loan Lee (714) 336-0930 | Mortgage Broker Videos #DownpaymentAssistance #HomeBuying #FirstTimeHomeBuyer #MortgageBrokerVideos #GrandpaMortgage #EmpireHomeLoans #HomeLoanLee

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