The 2 Mortgage Guys

08/16/2026

A huge thank you to Averyonna, Brooke, and John for taking the time to leave us these fantastic 5-star reviews.

Helping our clients navigate the homebuying journey smoothly is what we love to do. Reaching 346 Google reviews at a 5.0 rating is only possible because of amazing clients like you!

Looking to buy or refinance? Let's make your next move a seamless one.

07/22/2026

https://the2mortgageguys.com/blog/va-bonus-entitlement-2026-07-22

07/16/2026

07/14/2026

https://the2mortgageguys.com/blog/fha-loan-faq-2026-07-14

FHA loans offer flexible options for homebuyers with lower down payments and credit requirements. This FAQ covers eligibility, benefits, and key details to help you decide if an FHA loan fits your needs. Learn what to expect when applying.

07/07/2026

Attention Indiana Veterans & Surviving Spouses!
Indiana has reformed its property tax benefits to better support those who served. If you have a VA Disability Rating (10%–100%) or are an eligible surviving spouse, you may qualify for annual property tax credits or deductions—ranging from $250 to $600, or even a full deduction for those with 100% disability or Individual Unemployability.
https://f.mtr.cool/ayfiohxdoy
Need Assistance? Connect with your County Veteran Service Officer:
https://f.mtr.cool/dcgmopivbl

06/25/2026

Another Veteran Became a Homeowner Today! 🇺🇸🏡

For nearly 10 years, this Veteran had been renting the same home. When the owner decided it was time to sell, they offered him the opportunity to buy it.

Because he served our country, he was able to use his VA home loan benefit to purchase the home with:

✅ No down payment
✅ No monthly mortgage insurance
✅ Seller-paid closing costs and prepaid items
✅ A property tax proration credit that helped him walk away from closing with $1,762.92 back in his pocket

That’s right — he bought the home he had been renting and left closing with money back.

Not every VA loan works out this way, but this is a great example of how powerful the VA home loan benefit can be when it’s structured correctly.

At The 2 Mortgage Guys, a Division of Luminate Bank, we love helping Veterans understand and use the benefits they’ve earned. I’m also proud to be a USA Cares Certified Military Housing Specialist, giving us another way to better serve those who have served us.

If you’re a Veteran, active-duty service member, or surviving spouse, let’s talk about how your VA benefit may help you become a homeowner.

The 2 Mortgage Guys
A Division of Luminate Bank

Helping Veterans become homeowners, one family at a time. 🇺🇸

06/10/2026

HUD recognizes June as National Homeownership Month, focused on expanding access to the American Dream of homeownership!

If buying your first home, moving up, building new, investing, buying a second home, using your VA benefits, exploring FHA & USDA loans, or looking at a reverse mortgage — The 2 Mortgage Guys can help match you to the right mortgage strategy.

June is National Homeownership Month — and we believe there’s more than one way home.

At The 2 Mortgage Guys, a division of Luminate Bank, we help buyers explore mortgage options for almost every stage of life:

First-time homebuyers
Conventional loans
FHA loans
VA loans
USDA loans
Move-up buyers
Second homes
DSCR loans
Airbnb and investment properties
One-time-close construction loans
Non-QM loan products
HECM / Reverse Mortgage options

Homeownership may feel out of reach, but the right loan strategy can make all the difference.

Start here:
https://www.the2mortgageguys.com
Construction loan page:
https://construction.the2mortgageguys.com/
VA Construction page:
https://vaconstruction.the2mortgageguys.com/
Reverse Mortgage page:
https://reverse.the2mortgageguys.com/

06/05/2026

VA Loan Win: Two Homes. Two VA Loans. $0 Down.

A Veteran client of ours bought a home in July 2023 for $219,000 using their VA home loan benefit with no money down.

Fast forward to 2026… they found another home they loved, but they weren’t sure how they could buy it while they still had a VA mortgage on their current home.

That’s where we stepped in.

We reviewed their VA eligibility, completed the bonus entitlement worksheet, and confirmed they had enough remaining VA entitlement to purchase the next home with no down payment.

They just closed on their new home today for $255,000 — again using their VA benefit with $0 down.

Now they’re able to move into their new home, put their current home on the market, and temporarily own both homes at the same time — both financed with VA loans.

This is exactly why it matters to work with The 2 Mortgage Guys a lender that understands VA lending beyond the basics.

Veterans: your VA benefit may be more powerful than you realize.

Thinking about buying again, but already have a VA loan? Let’s review your remaining entitlement and see what options you may have.

Contact us today
The 2 Mortgage Guys a Division of Luminate Bank
Steve DeLon is the one of two lenders in Indiana that carries the Certified Military Housing Specialist Certification with USA Cares.

Helping Veterans use the benefits they earned.

06/05/2026

The
Steve
Jobs Report

Jobs are...U.S. Bureau of Labor Statistics: https://www.bls.gov/news.release/archives/empsit_06052026.htm

05/20/2026

Need Help With Your Down Payment?

Buying a home may be closer than you think.

With our Luminate Path program, qualified buyers may be able to use a unique down payment assistance option designed to help make homeownership more affordable.
✅ FHA purchase option
✅ Down Payment Assistance
✅ Forgivable second loan option available
✅ Minimum credit score: 640
✅ Great option for buyers who have steady income but need help with funds to close

If you’ve been waiting to buy because of the down payment, let’s talk and see if this program could help.

Call us today: The 2 Mortgage Guys — Steve & Ryan
(765) 450-8933

Program availability subject to borrower qualification, credit approval, property eligibility, and underwriting guidelines. Not a commitment to lend. Equal Housing Lender.