Travis Erickson Mortgage Broker - Bonelli Financial Group NMLS 1193479

05/20/2026

Had a client come in last month after two bank rejections.

Owns a remodeling company. Been in business 14 years. Makes great money. The kind of guy who never misses a payment on anything.

The bank looked at his tax return, saw $54K, and said no.

We looked at 24 months of bank statements. Saw $31,400 a month coming in. Ran the real numbers. Got him approved on a $485,000 home in Gilbert.

Closed in 16 days.

This happens more than people realize. If you're self-employed (contractor, business owner, real estate agent, 1099, runs your own practice), your tax return is probably not the best way to show what you earn. Your CPA made sure of that.

Bank statement loans exist specifically for this situation. No tax returns. No W-2s. Just your actual deposits.

I put together a full guide explaining exactly how these work in Mesa and Gilbert right now — current rates, who qualifies, how income gets calculated, and what you can do before you apply to qualify for more.

If you or someone you know has been told they don't qualify share this or have them message me. Takes 20 minutes to know for sure.

Travis Erickson | NMLS 1193479
Bonelli Financial Group | NMLS 2621584
Equal Housing Lender

🔗 Link to the full guide in the comments.

05/06/2026

🏡 Thinking about buying a rental property in Mesa or Gilbert?
Before you make an offer — run your DSCR numbers first.

We just published a full breakdown of where investment property financing actually works in the East Valley right now, with real deal math at May 2026 rates.

Here's the honest version:

✅ East Mesa at $445K with $2,750 rent → DSCR 1.01 → qualifies
⚠️ South Mesa at $390K with $2,200 rent → DSCR 0.92 → needs below-1.0 program
⚠️ West Gilbert at $475K with $2,350 rent → DSCR 0.81 → needs larger down or no-ratio structure
🏊 Gilbert Heritage District STR → LTR equivalent 0.80 → but actual Airbnb gross clears $3,500/month → deal works with the right lender

No tax returns. No W-2s. No income verification.

We're based right here in Mesa and we've closed DSCR loans in as few as 7 days.

Have a deal you're looking at? Drop the address in the comments or send us a message — we'll run the numbers for free.

👇 Full deal analysis linked below

04/15/2026

Buying a home in Gilbert? 🏠 Don’t let the 2026 headlines confuse you.

There is a lot of "noise" out there right now about interest rates and home prices, but the view from the ground here in Gilbert is actually pretty optimistic! 🌵

We’ve seen the market shift into a much more balanced rhythm this year. For buyers, that means more room to breathe, more time to inspect, and more opportunities to negotiate than we’ve seen in a long time.

To help our neighbors navigate these changes, I’ve put together a 2026 Gilbert Buyer's Guide over on the blog. Whether you’re looking to stop renting or you’re ready for that dream upgrade, this guide covers what you actually need to know:

✅ Real Talk on Rates: What’s happening with the 30-year fixed right now.
✅ Local Market Stats: Why Gilbert stays one of the most resilient markets in the Valley.
✅ Credit Solutions: How we help buyers with 500+ scores get to the closing table.
✅ The Broker Edge: Why having more options means more savings for your family.

Buying a home is a huge milestone, and you deserve to have the best local data in your corner.

Read the full guide here: 👇
https://www.bestmortgageloansfast.com/gilbert-mortgage-guide-2026

Have questions about your specific situation? Drop a comment or send me a DM—I’m always happy to help a neighbor! 😊

Work with Gilbert's top mortgage broker. 6.25% rates, 19-day closings, and expert 2-1 buydowns. Serving Seville, Power Ranch & Val Vista Lakes. Get pre-approved!

04/07/2026

Mesa neighbors, if you’ve been scrolling through Zillow or watching the news lately, you know the 2026 market feels... different. 🤔

Between shifting rates and more homes hitting the market in the East Valley, it’s getting harder to tell if now is the "right" time to make a move. At Bonelli Financial Group, we’re in the thick of it every day, so we decided to put everything we’re seeing into one clear guide for our community. 🌵

No fluff, just the facts for Mesa specifically.

📍 Check out The 2026 Mesa Mortgage Guide: Rates, Trends, and Local Broker Insights Inside, we’re breaking down:
✅ Is it still a "Seller's Market" in Mesa? (The answer might surprise you.)
✅ What the 2026 rate trends actually mean for your monthly payment.
✅ Why local expertise is the "secret sauce" for getting unconventional loans closed fast.

Whether you’re a first-time buyer, a veteran looking to use your VA benefits, or just curious about what your home is worth today—this guide is for you.

Read it here: https://www.bestmortgageloansfast.com/mesa-mortgage-guide-2026

Have questions about a specific neighborhood or loan type? Drop them in the comments or shoot us a DM! 📥

Compare 2026 Mesa mortgage rates (6.25% Avg). Expert insights on Eastmark, Las Sendas & Augusta Ranch. Get a 19-day close with Bonelli Financial. Apply now!

01/14/2026

If you’ve been holding your breath for mortgage rates to finally move in the right direction, it’s time to exhale.

We are seeing a major shift in the market right now. With the government moving to back more securities and rates hitting 15-month lows, that "under 6%" number we’ve all been waiting for is finally showing up on our desks.

Why this matters for your wallet right now:

Purchasing power just jumped. A lower rate means you can suddenly afford a better home for the same monthly payment.

The "Locked-In" effect is breaking. More sellers are finally listing their homes, which means more inventory for you to choose from.

Speed is everything. When rates dip, everyone rushes in.

At Bonelli Financial Group, we don't just find you a loan; we move at the speed of the market. Our name says it all—we get you through the process fast so you don't miss the window.

Stop guessing and start knowing. If you want to see exactly what your new monthly payment would look like at today’s rates, send me a DM or check us out at the link below. No pressure, just the data you need to make a smart move.

👉 www.bestmortgageloansfast.com

Bonelli Financial Group helps homeowners with home loans, refinancing, and home equity loans. Expert guidance to secure the best rates fast.

01/08/2026

Realtor friends, if you work with new construction buyers, this CE class is for you.

We’re hosting a 3-Hour Disclosure CE Course next week covering New Construction: The Good, The Bad & The Ugly. This class dives into the things agents don’t always get taught, but absolutely need to know when representing buyers with builders.

We’ll cover:
• Builder roles and responsibilities
• Impact fees and upgrades
• Inspections and warranties
• Common issues in today’s new construction market
• What to do when problems come up

📍 Downtown Mesa – Mesa Business Builder (The Studios)
🗓 January 15 | ⏰ 10 AM – 1 PM

Spots are limited and RSVP is required.

Email [email protected] to reserve your seat.

Looking forward to connecting and supporting our Realtor community.

12/29/2025

MESA HOMEOWNERS: Are you still holding a 7%+ mortgage from a few years ago? 🏠📉

2026 is officially here, and the "Mesa Reset" is giving us some of the best refinance math we've seen in a long time! Whether you’re in Eastmark or Downtown, your home equity might be the key to lower monthly payments or wiping out that high-interest debt.

I just put together a calculator on the site so you can see your "Break-Even" point in seconds. No guessing, just the facts for our East Valley neighbors.

Check it out here:

https://www.bestmortgageloansfast.com/mesa-az-mortgage-refinance-2026

Have questions about your specific zip code? Drop them in the comments! 👇

Lower your payment with a Mesa AZ mortgage refinance. 2026 local rate trends, cash-out options, & PMI removal for East Valley homeowners. Get a fast quote!

12/18/2025

Thinking about buying or refinancing in Mesa? We’ve got answers! 🏠

The mortgage process can feel like learning a second language. To make things easier, we’ve created a "Cheat Sheet" of the most frequently asked questions we hear from our Mesa clients.

Stop wondering and start planning! Our new FAQ covers: 📍How much do I really need for a down payment? 📍 How long does it take to close on a home in Mesa? 📍 Which loan program is right for my family?

Don't let the "what-ifs" hold you back from your dream home. Check out the link below and let us know—what’s the one question YOU have about home loans?

https://www.bestmortgageloansfast.com/mortgage-broker-mesa-az-faq

Meet your local Mesa, AZ mortgage broker. Get fast answers to 12 top FAQs on 2025 mortgage rates, FHA/VA loans, and down payment assistance. Start your fast pre-approval today.

12/10/2025

Did you know that as a veteran with a VA loan, you may be eligible for a VA IRRRL, also called a Streamline Refinance?

This program can help you lower your interest rate, reduce your monthly mortgage payment, and simplify the refinancing process. In many cases, there’s no appraisal or income verification required, which means less paperwork and a faster closing.

At Bonelli Financial Group, we specialize in guiding veterans through the VA IRRRL process so you can start saving quickly and easily. Our latest blog explains exactly how the program works, eligibility requirements, and what you need to get started.

Learn more and see if you qualify:

Bonelli Financial Group helps veterans lower monthly payments, reduce interest rates, and simplify refinancing. Check eligibility today.

12/04/2025

A Home Equity Line of Credit can help you access your home’s equity without refinancing your mortgage. It can provide funds for renovations, debt consolidation, or investments in another property.

A HELOC can also serve as a flexible resource for unexpected expenses or other financial opportunities.

Find out how homeowners are using HELOCs to fund renovations, debt consolidation, and more:

https://www.bestmortgageloansfast.com/home-equity-line-of-credit-heloc-2025

Learn how to use a HELOC for renovations, debt consolidation, or property investment. Compare rates and get a fast quote with Bonelli Financial.