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11/02/2026

🇺🇸 **Active-duty military? Your mortgage qualifying income may include more than your base pay.**

Depending on your circumstances, Basic Allowance for Housing (BAH), Basic Allowance for Subsistence (BAS), and certain other military compensation may be considered.

But lenders still need to verify the income and determine whether it is expected to continue.

This becomes especially important when you're transferring duty stations or preparing to separate from the military.

Here's how military income is evaluated for mortgage qualification.

Learn how military income affects mortgage qualification, including base pay, BAH, BAS, special pay, Guard income, PCS orders, separation, and VA disability.

10/30/2026

⚠️ **Taking your name off the deed doesn't take your name off the mortgage.**

This is one of the most important things to understand during a divorce or property transfer.

You can give up ownership of a home and still remain responsible for its mortgage.

That means missed payments could continue affecting your credit, even if you no longer live there.

Depending on the loan, refinancing or an approved assumption with a formal release of liability may be needed.

Here's what homeowners should know.

Learn how removing a borrower from a mortgage works through refinancing, assumption, release of liability, payoff, divorce, death, and Texas property rules.

10/28/2026

🏡 **Have a VA mortgage with a low interest rate? That rate could make your home more attractive to buyers.**

Some VA mortgages can be assumed by qualified buyers.

That means the buyer may be able to take over the remaining mortgage balance at the existing interest rate and remaining term.

But there's a catch.

The buyer still needs to cover the difference between the purchase price and the mortgage balance. And sellers need to understand how the assumption affects their VA entitlement.

Here's what to know before considering this option.

Learn how VA loan assumptions work when selling your home, who may qualify to assume a VA mortgage, and what sellers and buyers should know before moving forward.

10/26/2026

**Veterans who own businesses can still qualify for VA home loans.**

Being self-employed doesn't disqualify you from using your VA benefits.

But your lender may calculate your income differently than you expect.

Tax returns, business deductions, depreciation, and income trends can all affect how much income qualifies.

If you're a Veteran and business owner, it's worth having your numbers reviewed before deciding what you can afford.

Learn how self-employed veterans can qualify for a VA loan, how business income is evaluated, what documentation lenders typically require, and strategies to strengthen your mortgage application.

10/23/2026

🇺🇸 **Already used your VA home loan benefit? Good news: you may be able to use it again.**

Your VA benefit isn't necessarily a one-time opportunity.

Depending on your remaining entitlement, prior VA loan history, and current circumstances, you may be eligible to purchase another home with VA financing.

In some situations, Veterans can even have more than one VA loan at a time.

Before assuming you need a conventional loan for your next home, take a closer look at your entitlement.

Learn how VA loan entitlement works, including full and partial entitlement, restoration, two VA loans, assumptions, loan limits, and down-payment calculations.

10/21/2026

💰 **You make $100,000 a year. So why isn't your lender using all of it?**

Mortgage income calculations aren't always as straightforward as your salary.

Overtime, bonuses, commissions, business income, and other earnings can be treated differently depending on their history and stability.

That's why two people earning the same amount may qualify for different mortgage payments.

Understanding how your income is calculated before shopping for a home can prevent some frustrating surprises.

Use this mortgage employment and income guide to understand job history, income calculations, employment changes, variable pay, and mortgage documentation.

10/19/2026

**Were you told a computer couldn't approve your VA loan?**

That doesn't always mean the conversation is over.

Some VA loans can be reviewed through manual underwriting, where an underwriter evaluates your complete financial situation.

Your payment history, stable income, residual income, and other factors may help determine whether you qualify.

Manual underwriting isn't a guarantee of approval, but it's worth understanding when an automated system doesn't provide the result you hoped for.

VA manual underwriting explained: learn how credit, residual income, debt ratios, compensating factors, and payment history affect VA loan approval.

10/16/2026

🇺🇸 **Think you have too much debt to qualify for a VA loan?**

Don't automatically count yourself out.

VA underwriting considers more than your debt-to-income ratio. One important factor is residual income, which measures how much money your household has left after certain monthly expenses.

Your credit history, employment, and overall financial picture also matter.

A higher debt ratio doesn't automatically mean you can't buy a home.

Here's what Veterans should know.

Learn how VA loan approval with a high debt-to-income ratio works, including residual income, compensating factors, lender overlays, and debt calculations.

10/14/2026

💡 Did you know certain tax-free income can help you qualify for a larger mortgage?

If you receive VA disability compensation, Social Security, or other eligible nontaxable income, your lender may be able to increase the amount used for mortgage qualification.

It's called grossing up income.

You don't actually receive more money. It's an underwriting adjustment that recognizes the value of income that isn't subject to taxes.

This is one of those details that can make a difference when qualifying for a home.

Learn how nontaxable income and mortgage qualification work, including gross-up calculations, eligible income sources, documentation, and loan-program rules.

10/12/2026

🇺🇸 Veterans, are you getting the most out of your VA home loan benefit?

Most people know VA loans can offer 0% down financing. But there are other benefits and requirements that are just as important.

Your entitlement, residual income, disability benefits, and even the type of property you're purchasing can influence your options.

If you're thinking about buying a home in Texas, understanding your VA benefits before you start shopping can make a real difference.

Here's our guide to VA home loans in Texas.

Explore VA home loans for eligible veterans, active-duty service members, and surviving spouses. Learn about eligibility, zero down payment financing, credit requirements, closing costs, and the complete VA loan process with 210 Mortgage.

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San Antonio, TX
78257

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Website

http://www.210mortgage.com/

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