Every home loan, one trusted lender. Featuring VA & DSCR.
Buy, refinance or invest anywhere in the U.S. with Hyde Funding, headquartered in San Diego. Work directly with founder Steven Hyde. All credit profiles welcome.
- Since 2015Lending experience
- All statesSan Diego headquarters
- NMLS #391380Steven Hyde, Founder
- EN / ESEnglish & Spanish
Loan programs
A full lineup for buyers, homeowners and investors in all states, with VA and DSCR as our specialties.
VA Loans
$0 down, no monthly mortgage insurance, and no VA loan limit with full entitlement. Includes IRRRL and cash-out.
VA guide → FeaturedDSCR Investor Loans
Qualify on the property's rent, not your tax returns. Close in your name or an LLC.
DSCR guide →Home Purchase
First home, move-up or second home. We'll match you to the right program.
Start a purchase →Refinance & Cash-Out
Lower your rate, change your term, remove mortgage insurance or tap equity.
Refinance options →Jumbo Loans
Financing above the 2026 conforming limit ($832,750 baseline, up to $1,249,125).
Jumbo guide →FHA Loans
3.5% down with a 580+ score, and flexible credit guidelines.
FHA guide →Conventional Loans
As little as 3% down for first-time buyers, with PMI you can cancel.
Conventional guide →Not sure which fits?
Tell Steven your goal and he'll compare programs side by side.
Talk to Steven →How it works
Clear steps, with one person on your file from start to finish.
Tell us your goal
Apply online or call. VA buyers: we pull your COE for you.
Get your options
Side-by-side numbers on payment, cash to close and rate. No pressure.
Close with confidence
We coordinate appraisal, underwriting and escrow, and keep you updated throughout.
All credit profiles welcome
The VA sets no minimum credit score, so apply even if your credit isn't perfect. If your credit needs significant work, we'll refer you to a trusted credit repair partner and pick back up when you're ready.
Meet Steven Hyde
Steven founded Hyde Funding in 2015 and personally works every file. The office is on Miramar Road in San Diego, minutes from MCAS Miramar, and the company lends in all states.
NMLS #391380 · English & Spanish · (858) 775-1005 · steven@hydefunding.com
About Hyde FundingFrequently asked questions
Short answers here, with full guides in our VA and DSCR hubs.
Do you lend outside San Diego?
Yes. Hyde Funding is headquartered in San Diego and lends in all states.
Can I get a VA loan with $0 down?
Yes, eligible veterans with full entitlement can buy with no down payment and no monthly mortgage insurance, as long as the price does not exceed the appraised value.
What is a DSCR loan?
A DSCR loan is an investment-property loan that qualifies mainly on the property's rent compared with its monthly payment (principal, interest, taxes, insurance and HOA), not your personal tax returns.
What credit score do I need?
We welcome every credit profile. The VA sets no minimum credit score. If your credit needs significant work, we can refer you to a trusted credit repair partner.
Ready to see your numbers?
Get a free, no-obligation quote, usually within one business day.