The Shane McGraw Team - NMLS #90072

06/10/2026

You can use your VA loan benefit more than once. Many veterans think it’s a one-time opportunity, but that’s not true.

Depending on your eligibility and entitlement, you may be able to use your VA loan again to buy another home in the future.

Understanding your VA benefits could save you thousands and help you make smarter real estate decisions.

If you want to know more about your VA loan eligibility, send me a message today.

06/09/2026

Truly appreciate the review and the trust you placed in me throughout the mortgage process. Grateful to work with amazing clients!

06/08/2026

Did you know VA lenders must carefully evaluate income for recently activated Reserve and National Guard members?

A big mistake in lending is assuming temporary activated income can always be used to qualify. VA guidance says lenders must consider whether that income is likely to continue after closing.

Example:
A borrower earns $3,000/month from their civilian job but is currently making $3,500/month while activated on military orders for a 12-month tour. In many cases, the lender should qualify the borrower using the $3,000 civilian income — not the temporary activated income.

Key reminders:
✅ Activated Reserve/National Guard members should provide orders showing the active duty tour does not exceed 12 months
✅ Every case must be individually reviewed — there is NO one-size-fits-all rule
✅ Lenders should evaluate overall employment history, assets, credit profile, and likelihood of stable future income
✅ Thorough documentation in the loan file is critical
✅ The goal is always to provide Veterans their benefit WITHOUT creating financial hardship after closing

VA lending is not just about approving loans — it’s about making sure the Veteran succeeds long term. 🇺🇸

06/05/2026

Ready to buy a home or refinance your mortgage? Shane McGraw Team can help you find the perfect loan with the best rate.

We are here for you even on weekends! Call us now!

06/04/2026

Your service and sacrifice made a difference for our country, and now it’s our honor to help you navigate one of the biggest financial decisions of your life.

Whether you’re buying your first home, refinancing, or exploring your VA loan benefits, we’re here to guide you every step of the way.

As a veteran-focused mortgage team, we understand the value of service, trust, and doing what’s right for military families.

You served our country with honor — now let us serve you.

If you want to learn more about your VA loan options, message me today.

06/03/2026

VA loans do NOT require monthly mortgage insurance (PMI) like many conventional and FHA loans.

That can save veterans hundreds of dollars per month and improve buying power.

The VA loan was designed to help those who served achieve homeownership with better terms and lower monthly payments.

If you want to see what your payment could look like, send me a message today.

06/02/2026

Helping great people achieve their homeownership goals is why I do this. Thank you for the awesome review!

06/02/2026

5.0 star review received on Experience.com for Shane McGraw by Michael J Y - Great interactions and with Shane who had our best interest in mind all of the time. Made the process very easy on the family and was constantly working behind the scenes to bring us great value. So happy we found him

Click to see all 124 reviews of Shane McGraw, Loan Officer, NMLS # 90072 - American Financial Network, Inc., Co-Branch Manager | NMLS # 90072

06/01/2026

Every season of growth requires faith, hard work, and persistence.

The people who win aren’t always the most talented — they’re the ones who keep going when things get hard.

Do the next best thing you’re able to do today, and trust the process.

If you want help building your goals, business, or real estate portfolio, send me a message today.

05/30/2026

5.0 star review received on Experience.com for Shane McGraw by Courtney L Y - Shane went above and beyond for my husband and our family to work fast and efficiently in our loaN. He was very transparent and knowledgeable to make this process go quickly and smoothly. He would answer my calls and emails quickly and always made us feel safe and comfortable moving through this transaction. He was very professional, warm and friendly during the entire time which made us feel safe and at ease. I cannot recommend Shane and his team more! We are beyond happy with our home and this could not have been possible without Shane!!

Click to see all 122 reviews of Shane McGraw, Loan Officer, NMLS # 90072 - American Financial Network, Inc., Co-Branch Manager | NMLS # 90072