San Diego Mortgage Video Library
San Diego mortgage videos, grouped by topic. Every video below is from Mortgage Simplified, the YouTube channel run by Dave Holland at Keypath Mortgage in Clairemont. Each one answers a single question in a few minutes, and each thumbnail links to the guide on this site that explains the same topic in full, so you can watch first and read the detail after.
How to use this library
- Pick the group that matches your situation, not the newest video. The groups are organized by loan type and by stage of the process.
- Watch the short version first. Most answers take under two minutes.
- Follow the link under each group to the written guide when you need numbers, limits or the fine print.
- If a video raises a question about your own file, call (619) 900-6614 rather than guessing. Pricing and guidelines move weekly.
VA Loans
Mortgage Expert: How Veterans Buy MULTIPLE Homes With ONE VA LoanHow eligible veterans reuse remaining VA entitlement to own more than one home, and what actually caps you.
Can You Use a VA Loan for an Investment Property?Where the VA occupancy rule starts and stops, and the legitimate ways a VA loan ends up funding a rental.
The VA Loan Trick Most Veterans MissA short walkthrough of the VA benefit most veterans are never told about.
Can You Assume a VA Loan If You Are Not a VeteranVA loans are assumable and the buyer does not have to be a veteran, but the seller’s entitlement stays tied up unless another veteran substitutes theirs.
Use Your VA Loan Again to Buy Another HomeThe VA benefit is not one time. How remaining second-tier entitlement can let you keep your current home and still buy your next primary residence.
What Makes a House Fail a VA AppraisalA VA appraisal checks safety and condition against the Minimum Property Requirements, not only value, and that is where a lot of deals fall apart.
Can Your VA Loan Help You Buy More Than One HomeKeeping your current home as a rental and using remaining VA entitlement toward the next primary residence, plus how entitlement can be restored.
Refinance
3 Red Flags to Check Before Refinancing Your VA LoanThree things to check on a VA refinance offer before you sign anything.
Want to Pay Off Your Mortgage Years Early: Start With ThisA few simple adjustments to how you pay each month can cut years off a mortgage and save interest without a major lifestyle change.
FHA and Conventional
Read the full fha and conventional guide
FHA vs Conventional Loan: Which One Actually Saves You More Money?A side by side look at FHA and conventional pricing, mortgage insurance and long run cost.
FHA vs Conventional: Which One Actually Saves You More?The short version of the FHA versus conventional cost comparison.
Credit Score to Qualify for FHA, VA and Conventional LoansThe credit score bands lenders actually use for FHA, VA and conventional financing.
First Time Buyers
Equity and HELOC
Investment Property
Costly Mistakes
Read the full costly mistakes guide
These 5 Mortgage Mistakes Could Cost You 50,000 DollarsFive avoidable mortgage decisions and what each one adds to the lifetime cost of the loan.
Do Not Choose a Mortgage Based on the Interest Rate AloneA headline rate can hide thousands of dollars in discount points and lender fees. Compare APR, points and total loan costs on the same terms.
Do Not Remodel Before Your Appraisal, and Here Is WhyAn unfinished remodel can delay or kill a loan. Appraisers, especially on VA loans, will not sign off on bare studs, torn-out walls or incomplete work.
Rates and Market
Read the full rates and market guide
Why a Weak Jobs Report Does Not Mean an Instant Rate DropA weak jobs headline can move bonds, but it does not hand you a lower mortgage rate the same day.
LIVE: Mortgage Rates, Home Buying and Loan Questions, Ask Me AnythingA recorded live session answering viewer questions on rates, qualifying and the buying process.
3 Ways to Get a 4% Mortgage When Rates Are 7%: Assumable Loans and BuydownsThree real ways to land a below-market rate while averages sit near 7 percent, including assumable VA and FHA loans and seller-paid buydowns, plus the catches to watch for.
Don’t Wait for 5% Mortgage Rates: The Truth About Rates in 2026What Fannie Mae, the Mortgage Bankers Association and the Federal Reserve are actually forecasting for the next six months, and what waiting really costs a buyer.
Common Questions
Read the full common questions guide
Should I Rent or Buy a House in 2026How to run the rent versus buy numbers for 2026 without guessing.
5 Mortgage Traps Every Home Buyer Should KnowFive traps buyers walk straight into, condensed into a short.
Yes, You Can Finance an Off-Grid Cabin With No UtilitiesOff-grid, solar and remote cabins can be financed with the right loan program even with no power lines, no city water and no septic hookup.
Off-Grid Home With No Electricity: How We Financed ItA real property with no power lines and no city utilities, and the loan program that made it financeable when conventional guidelines would not allow it.
Credit Scores
Down Payment
Keep going
New videos go up on rates, credit, VA, FHA and conventional financing. Subscribe to Mortgage Simplified on YouTube, or read the monthly written recap on the Keypath Mortgage blog.
Frequently asked questions
Where can I watch San Diego mortgage videos from a local broker?
Every video on this page is from Mortgage Simplified, the YouTube channel run by Dave Holland of Keypath Mortgage in Clairemont, San Diego. The videos are grouped by topic, and each one links to the written guide on this site that covers the same question in more depth.
Are these videos specific to San Diego?
The loan rules explained in the videos are national, but the examples, price points and loan limits used are the ones that apply in San Diego County. Local pages for Clairemont, Bay Park, Linda Vista and Pacific Beach add the neighborhood detail.
Which video should I start with?
If you are buying for the first time, start with the first time buyer group. If you are a veteran, start with the VA group. If you already own and are watching rates, start with the rates and market group.
Do the videos replace a real rate quote?
No. They explain how the rules work so you know what to ask. Pricing changes daily and depends on your credit, loan amount, property type and occupancy, so a real quote still has to be run. Call (619) 900-6614 or contact us for one.
Keypath Mortgage, Clairemont, San Diego. Dave Holland, NMLS #2273319. Equal Housing Lender. Videos are general education, not a commitment to lend or an offer of credit.