2010 Washington FNMA & FHLMC - WA Fannie Mae & Freddie Mac Loan limits 2010
Fannie Mae & Freddie Mac have retained the expanded 2009 loan limits for 2010. The standard conventional loan limit remains at $417K accross the USA. This is also called the Conforming Loan Limit ($417K). High Cost Areas have loan limits based on the new formula in the 2008 housing bill passed in July of 2008, and are also called Conforming Jumbo, High Balance, or Super Conforming loans.
There are different ratios and loan to value ratios for the Fannie Mae & Freddie Mac loans that exceed the standard limit of $417K. They require a minimum of 10% down payment (or equity in a refinance) and a maximum debt ratio of 45%.
We also posted updates regarding the 2010 Washington FHA loan limits here
We offer Conforming Jumbo Loans for Single Family Homes up to $567,500 in King, Snohomish, and Pierce Counties. Up to $593,750 in San Juan County, and $475,000 in Kitsap County.
Check out the Loan limits for 2010 in your County:
County Name Single Family Duplex Tri-plex Four-plex
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ADAMS $417,000 $533,850 $645,300 $801,950
NON-METRO
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ASOTIN $417,000 $533,850 $645,300 $801,950
LEWISTON, ID-WA (MSA)
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BENTON $417,000 $533,850 $645,300 $801,950
KENNEWICK-RICHLAND-PASCO, WA (MSA)
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CHELAN $417,000 $533,850 $645,300 $801,950
WENATCHEE, WA (MSA)
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CLALLAM $417,000 $533,850 $645,300 $801,950
PORT ANGELES, WA (MICRO)
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CLARK $418,750 $536,050 $648,000 $805,300
PORTLAND-VANCOUVER-BEAVERTON, OR-WA (MSA)
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COLUMBIA $417,000 $533,850 $645,300 $801,950
NON-METRO
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COWLITZ $417,000 $533,850 $645,300 $801,950
LONGVIEW, WA (MSA)
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DOUGLAS $417,000 $533,850 $645,300 $801,950
WENATCHEE, WA (MSA)
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FERRY $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
FRANKLIN $417,000 $533,850 $645,300 $801,950
KENNEWICK-RICHLAND-PASCO, WA (MSA)
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GARFIELD $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
GRANT $417,000 $533,850 $645,300 $801,950
MOSES LAKE, WA (MICRO)
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GRAYS HARBOR $417,000 $533,850 $645,300 $801,950
ABERDEEN, WA (MICRO)
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ISLAND $417,000 $533,850 $645,300 $801,950
OAK HARBOR, WA (MICRO)
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JEFFERSON $437,500 $560,050 $677,000 $841,350
NON-METRO
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KING $567,500 $726,500 $878,150 $1,091,350
SEATTLE-BELLEVUE-EVERETT, WA METROPOLITAN DIVISION
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KITSAP $475,000 $608,100 $735,050 $913,450
BREMERTON-SILVERDALE, WA (MSA)
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KITTITAS $417,000 $533,850 $645,300 $801,950
ELLENSBURG, WA (MICRO)
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KLICKITAT $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
LEWIS $417,000 $533,850 $645,300 $801,950
CENTRALIA, WA (MICRO)
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LINCOLN $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
MASON $417,000 $533,850 $645,300 $801,950
SHELTON, WA (MICRO)
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OKANOGAN $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
PACIFIC $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
PEND OREILLE $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
PIERCE $567,500 $726,500 $878,150 $1,091,350
TACOMA, WA METROPOLITAN DIVISION
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SAN JUAN $593,750 $760,100 $918,800 $1,141,850
NON-METRO
--------------------------------------------------------------------------------
SKAGIT $417,000 $533,850 $645,300 $801,950
MOUNT VERNON-ANACORTES, WA (MSA)
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SKAMANIA $418,750 $536,050 $648,000 $805,300
PORTLAND-VANCOUVER-BEAVERTON, OR-WA (MSA)
--------------------------------------------------------------------------------
SNOHOMISH $567,500 $726,500 $878,150 $1,091,350
SEATTLE-BELLEVUE-EVERETT, WA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
SPOKANE $417,000 $533,850 $645,300 $801,950
SPOKANE, WA (MSA)
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STEVENS $417,000 $533,850 $645,300 $801,950
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THURSTON $417,000 $533,850 $645,300 $801,950
OLYMPIA, WA (MSA)
--------------------------------------------------------------------------------
WAHKIAKUM $417,000 $533,850 $645,300 $801,950
NON-METRO
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WALLA WALLA $417,000 $533,850 $645,300 $801,950
WALLA WALLA, WA (MICRO)
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WHATCOM $417,000 $533,850 $645,300 $801,950
BELLINGHAM, WA (MSA)
--------------------------------------------------------------------------------
WHITMAN $417,000 $533,850 $645,300 $801,950
PULLMAN, WA (MICRO)
--------------------------------------------------------------------------------
YAKIMA $417,000 $533,850 $645,300 $801,950
YAKIMA, WA (MSA)
VanDyk is proud to be a FHA Full Eagle Direct Endorsement Lender. What is that? We are a FHA Direct lender with the full support of HUD, the US Department of Housing & Urban Development. We offer FHA loans in all areas of Washington State for Purchase, Refinance, cash-out refinance or FHA Streamline. We also specialize in FHA Jumbo Loans, as available up to your County limit for FHA Loans.
We serve the entire state of Washington including: Seattle, Bellevue, Kirkland, Redmond, Issaquah, Sammamish, Woodinville, Auburn, Kent, Federal Way, Black Diamond, Des Moines, Snohomish, Carnation, North Bend, Mill Creek, Bothell, Kenmore, Shoreline, Ballinger,San Juan, Edmonds, Maple valley, Sahallee, Snoqualmie, Monroe, Everett, Mukilteo, SilverLake, Edmonds, Marysville, Mount vernon, bellingham, Sehome, Lynden, Blaine, Burlington, Sedro Wooley, Everson, Whidbey Island, Camano Island, Port Orchard, Bremerton, Kitsap, Silverdale, Renton, Newcastle, Newport, Tukwila, SeaTac, Tacoma, Puyallup, Roy, Bonney Lake, Sumner, Olympia, Tumwater, Spokane, Spokane Valley, newport, Yakima, Ellensburg, Kennewick, Richland, Pasco, Sunnyside, Prosser, vancouver, Kelso, Clarkston, Pullman and everything in between!
Saturday, February 27, 2010
2010 CA Conventional Loan Limits by County
2010 California FNMA & FHLMC - Fannie Mae & Freddie Mac Loan limits 2010
Fannie Mae & Freddie Mac have retained the expanded 2009 loan limits for 2010. The standard conventional loan limit remains at $417K accross the USA. This is also called the Conforming Loan Limit ($417K). High Cost Areas have loan limits based on the new formula in the 2008 housing bill passed in July of 2008, and are also called Conforming Jumbo, High Balance, or Super Conforming loans.
There are different ratios and loan to value ratios for the Fannie Mae & Freddie Mac loans that exceed the standard limit of $417K. They require a minimum of 10% down payment and a maximum debt ratio of 45%.
We also posted updates regarding the 2010 California FHA loan limits here.
ALAMEDA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION
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ALPINE $547,500 $700,900 $847,200 $1,052,900
NON-METRO
--------------------------------------------------------------------------------
AMADOR $443,750 $568,050 $686,650 $853,350
NON-METRO
--------------------------------------------------------------------------------
BUTTE $417,000 $533,850 $645,300 $801,950
CHICO, CA (MSA)
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CALAVERAS $462,500 $592,050 $715,700 $889,450
NON-METRO
--------------------------------------------------------------------------------
COLUSA $417,000 $533,850 $645,300 $801,950NON-METRO
--------------------------------------------------------------------------------
CONTRA COSTA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
DEL NORTE $417,000 $533,850 $645,300 $801,950
NON-METRO
CRESCENT CITY, CA (MICRO)
--------------------------------------------------------------------------------
EL DORADO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
FRESNO $381,250 $488,050 $589,950 $733,150
FRESNO, CA (MSA)
--------------------------------------------------------------------------------
GLENN $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
HUMBOLDT $417,000 $533,850 $645,300 $801,950
EUREKA-ARCATA-FORTUNA, CA (MICRO)
--------------------------------------------------------------------------------
IMPERIAL $417,000 $533,850 $645,300 $801,950
EL CENTRO, CA (MSA)
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INYO $437,500 $560,050 $677,000 $841,350
BISHOP, CA (MICRO)
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KERN $417,000 $533,850 $645,300 $801,950
BAKERSFIELD, CA (MSA)
--------------------------------------------------------------------------------
KINGS $417,000 $533,850 $645,300 $801,950
HANFORD-CORCORAN, CA (MSA)
--------------------------------------------------------------------------------
LAKE $$417,000 $533,850 $645,300 $801,950
CLEARLAKE, CA (MICRO)
--------------------------------------------------------------------------------
LASSEN $417,000 $533,850 $645,300 $801,950
SUSANVILLE, CA (MICRO)
--------------------------------------------------------------------------------
LOS ANGELES $729,750 $934,200 $1,129,250 $1,403,400
LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D
--------------------------------------------------------------------------------
MADERA $425,000 $544,050 $657,650 $817,300
MADERA, CA (MSA)
--------------------------------------------------------------------------------
MARIN $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
--------------------------------------------------------------------------------
MARIPOSA $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
MENDOCINO $512,500 $656,100 $793,050 $985,600
UKIAH, CA (MICRO)
--------------------------------------------------------------------------------
MERCED $472,500 $604,900 $731,150 $908,650
MERCED, CA (MSA)
--------------------------------------------------------------------------------
MODOC $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
MONO $529,000 $677,200 $818,600 $1,017,300
NON-METRO
--------------------------------------------------------------------------------
MONTEREY $729,750 $934,200 $1,129,250 $1,403,400
SALINAS, CA (MSA)
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NAPA $729,750 $934,200 $1,129,250 $1,403,400
NAPA, CA (MSA)
--------------------------------------------------------------------------------
NEVADA $562,500 $720,100 $870,450 $1,081,750
TRUCKEE-GRASS VALLEY, CA (MICRO)
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ORANGE $729,750 $934,200 $1,129,250 $1,403,400
SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
PLACER $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
PLUMAS $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
RIVERSIDE $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)
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SACRAMENTO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
SAN BENITO $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)
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SAN BERNARDINO $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)
--------------------------------------------------------------------------------
SAN DIEGO $697,500 $892,950 $1,079,350 $1,341,350
SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)
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SAN FRANCISCO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
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SAN JOAQUIN $488,750 $625,700 $756,300 $939,900
STOCKTON, CA (MSA)
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SAN LUIS OBISPO $687,500 $880,100 $1,063,850 $1,322,150
SAN LUIS OBISPO-PASO ROBLES, CA (MSA)
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SAN MATEO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
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SANTA BARBARA $729,750 $934,200 $1,129,250 $1,403,400
SANTA BARBARA-SANTA MARIA, CA (MSA)
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SANTA CLARA $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)
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SANTA CRUZ $729,750 $934,200 $1,129,250 $1,403,400
SANTA CRUZ-WATSONVILLE, CA (MSA)
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SHASTA $423,750 $542,450 $655,700 $814,900
REDDING, CA (MSA)
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SIERRA $417,000 $533,850 $645,300 $801,950
NON-METRO
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SISKIYOU $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
SOLANO $557,500 $713,700 $862,700 $1,072,150
VALLEJO-FAIRFIELD, CA (MSA)
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SONOMA $662,500 $848,100 $1,025,200 $1,274,050
SANTA ROSA-PETALUMA, CA (MSA)
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STANISLAUS $423,750 $542,450 $655,700 $814,900
MODESTO, CA (MSA)
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SUTTER $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)
--------------------------------------------------------------------------------
TEHAMA $417,000 $533,850 $645,300 $801,950
RED BLUFF, CA (MICRO)
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TRINITY $417,000 $533,850 $645,300 $801,950
NON-METRO
--------------------------------------------------------------------------------
TULARE $417,000 $533,850 $645,300 $801,950
VISALIA-PORTERVILLE, CA (MSA)
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TUOLUMNE $437,500 $560,050 $677,000 $841,350
PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)
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VENTURA $729,750 $934,200 $1,129,250 $1,403,400
OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)
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YOLO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
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YUBA $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)
We serve the following areas for FHA and Conventional loans: California, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana, Seattle, Washington, Bellevue, Kirkland, Redmond, Lynnwood, Olympia, Tacoma, Puyallup, Buckley, Auburn, Kent, Federal Way, Seatac, San Francisco, San Jose, Carson, Gardena, Hawthorne, Lawndale, Inglewood, Ladera Heights, View Park, Windsor Hills, Baldwin Hills, Fox Hills, Culver City, Beverly Hills, Malibu, Santa Monica, Brentwood, Calabasas, Encino, Bel Air Estates, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Redondo Beach, Hermosa Beach, Torrance, San Marcos, San Diego, Rancho Bernardo, Carlsbad, Escondido, Poway, Oceanside, Vista, Encinitas, Carmel Valley, Scripps, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Long Beach, Artesia, La Palma, Cerritos, Compton, Lynwood, Bellflower, Temecula, Murrieta, Southern California, Northern California, Washington, Everett, Lynnwood, Tacoma, Kent, Federal Way, Auburn, Renton, Bellevue, Redmond, Kirkland, Whittier, Santa Fe Springs, Downey, Irvine, Newport Beach, Los Angeles, San Bernardino, Riverside and Orange County.
WA FHA Loan Limits for 2010
VanDyk is proud to be a FHA Full Eagle Direct Endorsement Lender. What is that? We are a FHA Direct lender with the full support of HUD, the US Department of Housing & Urban Development. We offer FHA loans in all areas of Washington State for Purchase, Refinance, cash-out refinance or FHA Streamline. We also specialize in FHA Jumbo Loans, as available up to your County limit for FHA Loans.'
We offer FHA Loans for Single Family Homes up to $567,500 in the higher cost areas of King, Snohomish, and Pierce Counties including Seattle, Bellevue, Kirkland, Redmond, Woodinville, Everett, Mill creek, Edmonds, Federal Way, Puyallup, Des Moines, Gig Harbor, Tacoma, Fife, Auburn, Kent, Shoreline, Sammamish, North Bend, Carnations, Marysville, Mukilteo, and more. Up to $593,750 in San Juan County, and $475,000 in Kitsap County including Silverdale, Bremerton, etc. We lend in the entire state of Washington.
FHA Loans require just 3.5% down payment for the purchase of your new home. FHA Loans are available to First Time Homebuyers and Move up or subsequent purchase home buyers as well.
Check out the FHA Loan limits for 2010 in your County:
County Name Single Family Duplex Tri-plex Four-plex
--------------------------------------------------------------------------------
ADAMS $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
ASOTIN $271,050 $347,000 $419,425 $521,250
LEWISTON, ID-WA (MSA)
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BENTON $275,000 $352,050 $425,550 $528,850
KENNEWICK-RICHLAND-PASCO, WA (MSA)
--------------------------------------------------------------------------------
CHELAN $342,700 $438,700 $530,300 $659,050
WENATCHEE, WA (MSA)
--------------------------------------------------------------------------------
CLALLAM $383,750 $491,250 $593,800 $738,000
PORT ANGELES, WA (MICRO)
--------------------------------------------------------------------------------
CLARK $418,750 $536,050 $648,000 $805,300
PORTLAND-VANCOUVER-BEAVERTON, OR-WA (MSA)
--------------------------------------------------------------------------------
COLUMBIA $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
COWLITZ $271,050 $347,000 $419,425 $521,250
LONGVIEW, WA (MSA)
--------------------------------------------------------------------------------
DOUGLAS $342,700 $438,700 $530,300 $659,050
WENATCHEE, WA (MSA)
--------------------------------------------------------------------------------
FERRY $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
FRANKLIN $275,000 $352,050 $425,550 $528,850
KENNEWICK-RICHLAND-PASCO, WA (MSA)
--------------------------------------------------------------------------------
GARFIELD $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
GRANT $271,050 $347,000 $419,425 $521,250
MOSES LAKE, WA (MICRO)
--------------------------------------------------------------------------------
GRAYS HARBOR $271,050 $347,000 $419,425 $521,250
ABERDEEN, WA (MICRO)
--------------------------------------------------------------------------------
ISLAND $381,250 $488,050 $589,950 $733,150
OAK HARBOR, WA (MICRO)
--------------------------------------------------------------------------------
JEFFERSON $437,500 $560,050 $677,000 $841,350
NON-METRO
--------------------------------------------------------------------------------
KING $567,500 $726,500 $878,150 $1,091,350
SEATTLE-BELLEVUE-EVERETT, WA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
KITSAP $475,000 $608,100 $735,050 $913,450
BREMERTON-SILVERDALE, WA (MSA)
--------------------------------------------------------------------------------
KITTITAS $328,750 $420,850 $508,700 $632,200
ELLENSBURG, WA (MICRO)
--------------------------------------------------------------------------------
KLICKITAT $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
LEWIS $271,050 $347,000 $419,425 $521,250
CENTRALIA, WA (MICRO)
--------------------------------------------------------------------------------
LINCOLN $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
MASON $310,000 $396,850 $479,700 $596,150
SHELTON, WA (MICRO)
--------------------------------------------------------------------------------
OKANOGAN $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
PACIFIC $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
PEND OREILLE $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
PIERCE $567,500 $726,500 $878,150 $1,091,350
TACOMA, WA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
SAN JUAN $593,750 $760,100 $918,800 $1,141,850
NON-METRO
--------------------------------------------------------------------------------
SKAGIT $373,750 $478,450 $578,350 $718,750
MOUNT VERNON-ANACORTES, WA (MSA)
--------------------------------------------------------------------------------
SKAMANIA $418,750 $536,050 $648,000 $805,300
PORTLAND-VANCOUVER-BEAVERTON, OR-WA (MSA)
--------------------------------------------------------------------------------
SNOHOMISH $567,500 $726,500 $878,150 $1,091,350
SEATTLE-BELLEVUE-EVERETT, WA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
SPOKANE $271,050 $347,000 $419,425 $521,250
SPOKANE, WA (MSA)
--------------------------------------------------------------------------------
STEVENS $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
THURSTON $361,250 $462,450 $559,000 $694,700
OLYMPIA, WA (MSA)
--------------------------------------------------------------------------------
WAHKIAKUM $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
WALLA WALLA $271,050 $347,000 $419,425 $521,250
WALLA WALLA, WA (MICRO)
--------------------------------------------------------------------------------
WHATCOM $375,000 $480,050 $580,300 $721,150
BELLINGHAM, WA (MSA)
--------------------------------------------------------------------------------
WHITMAN $271,050 $347,000 $419,425 $521,250
PULLMAN, WA (MICRO)
--------------------------------------------------------------------------------
YAKIMA $271,050 $347,000 $419,425 $521,250
YAKIMA, WA (MSA)
Please click here to see even more FHA loan information or VA loan information. Or Check out this FHA Direct lender website.
We offer FHA Loans for Single Family Homes up to $567,500 in the higher cost areas of King, Snohomish, and Pierce Counties including Seattle, Bellevue, Kirkland, Redmond, Woodinville, Everett, Mill creek, Edmonds, Federal Way, Puyallup, Des Moines, Gig Harbor, Tacoma, Fife, Auburn, Kent, Shoreline, Sammamish, North Bend, Carnations, Marysville, Mukilteo, and more. Up to $593,750 in San Juan County, and $475,000 in Kitsap County including Silverdale, Bremerton, etc. We lend in the entire state of Washington.
FHA Loans require just 3.5% down payment for the purchase of your new home. FHA Loans are available to First Time Homebuyers and Move up or subsequent purchase home buyers as well.
Check out the FHA Loan limits for 2010 in your County:
County Name Single Family Duplex Tri-plex Four-plex
--------------------------------------------------------------------------------
ADAMS $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
ASOTIN $271,050 $347,000 $419,425 $521,250
LEWISTON, ID-WA (MSA)
--------------------------------------------------------------------------------
BENTON $275,000 $352,050 $425,550 $528,850
KENNEWICK-RICHLAND-PASCO, WA (MSA)
--------------------------------------------------------------------------------
CHELAN $342,700 $438,700 $530,300 $659,050
WENATCHEE, WA (MSA)
--------------------------------------------------------------------------------
CLALLAM $383,750 $491,250 $593,800 $738,000
PORT ANGELES, WA (MICRO)
--------------------------------------------------------------------------------
CLARK $418,750 $536,050 $648,000 $805,300
PORTLAND-VANCOUVER-BEAVERTON, OR-WA (MSA)
--------------------------------------------------------------------------------
COLUMBIA $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
COWLITZ $271,050 $347,000 $419,425 $521,250
LONGVIEW, WA (MSA)
--------------------------------------------------------------------------------
DOUGLAS $342,700 $438,700 $530,300 $659,050
WENATCHEE, WA (MSA)
--------------------------------------------------------------------------------
FERRY $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
FRANKLIN $275,000 $352,050 $425,550 $528,850
KENNEWICK-RICHLAND-PASCO, WA (MSA)
--------------------------------------------------------------------------------
GARFIELD $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
GRANT $271,050 $347,000 $419,425 $521,250
MOSES LAKE, WA (MICRO)
--------------------------------------------------------------------------------
GRAYS HARBOR $271,050 $347,000 $419,425 $521,250
ABERDEEN, WA (MICRO)
--------------------------------------------------------------------------------
ISLAND $381,250 $488,050 $589,950 $733,150
OAK HARBOR, WA (MICRO)
--------------------------------------------------------------------------------
JEFFERSON $437,500 $560,050 $677,000 $841,350
NON-METRO
--------------------------------------------------------------------------------
KING $567,500 $726,500 $878,150 $1,091,350
SEATTLE-BELLEVUE-EVERETT, WA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
KITSAP $475,000 $608,100 $735,050 $913,450
BREMERTON-SILVERDALE, WA (MSA)
--------------------------------------------------------------------------------
KITTITAS $328,750 $420,850 $508,700 $632,200
ELLENSBURG, WA (MICRO)
--------------------------------------------------------------------------------
KLICKITAT $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
LEWIS $271,050 $347,000 $419,425 $521,250
CENTRALIA, WA (MICRO)
--------------------------------------------------------------------------------
LINCOLN $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
MASON $310,000 $396,850 $479,700 $596,150
SHELTON, WA (MICRO)
--------------------------------------------------------------------------------
OKANOGAN $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
PACIFIC $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
PEND OREILLE $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
PIERCE $567,500 $726,500 $878,150 $1,091,350
TACOMA, WA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
SAN JUAN $593,750 $760,100 $918,800 $1,141,850
NON-METRO
--------------------------------------------------------------------------------
SKAGIT $373,750 $478,450 $578,350 $718,750
MOUNT VERNON-ANACORTES, WA (MSA)
--------------------------------------------------------------------------------
SKAMANIA $418,750 $536,050 $648,000 $805,300
PORTLAND-VANCOUVER-BEAVERTON, OR-WA (MSA)
--------------------------------------------------------------------------------
SNOHOMISH $567,500 $726,500 $878,150 $1,091,350
SEATTLE-BELLEVUE-EVERETT, WA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
SPOKANE $271,050 $347,000 $419,425 $521,250
SPOKANE, WA (MSA)
--------------------------------------------------------------------------------
STEVENS $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
THURSTON $361,250 $462,450 $559,000 $694,700
OLYMPIA, WA (MSA)
--------------------------------------------------------------------------------
WAHKIAKUM $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
WALLA WALLA $271,050 $347,000 $419,425 $521,250
WALLA WALLA, WA (MICRO)
--------------------------------------------------------------------------------
WHATCOM $375,000 $480,050 $580,300 $721,150
BELLINGHAM, WA (MSA)
--------------------------------------------------------------------------------
WHITMAN $271,050 $347,000 $419,425 $521,250
PULLMAN, WA (MICRO)
--------------------------------------------------------------------------------
YAKIMA $271,050 $347,000 $419,425 $521,250
YAKIMA, WA (MSA)
Please click here to see even more FHA loan information or VA loan information. Or Check out this FHA Direct lender website.
California FHA Loan Limits for 2010
VanDyk offers FHA Loans up to the full FHA loan limit for every county that we serve. FHA Loans for single family homes are available up to $729,750 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Monterey, Orange County, Santa Clara, Santa Cruz, Ventura, San Benito, Marin, and Santa Barbara. San Diego Homebuyers and Homeowners can get FHA Loans up to $697,500, Riverside and San Bernardino up to $500,000, Sacramento, El Dorado, and Placer counties up to $580,000. Here is a list of the FHA loan limits for Single Family, Duples, Tri-plex and Four-Plex for all California counties:
County Name Single Family Duplex Tri-plex Four-plex
--------------------------------------------------------------------------------
ALAMEDA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
ALPINE $547,500 $700,900 $847,200 $1,052,900
NON-METRO
--------------------------------------------------------------------------------
AMADOR $443,750 $568,050 $686,650 $853,350
NON-METRO
--------------------------------------------------------------------------------
BUTTE $400,000 $512,050 $618,950 $769,250
CHICO, CA (MSA)
--------------------------------------------------------------------------------
CALAVERAS $462,500 $592,050 $715,700 $889,450
NON-METRO
--------------------------------------------------------------------------------
COLUSA $397,500 $508,850 $615,100 $764,400
NON-METRO
--------------------------------------------------------------------------------
CONTRA COSTA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
DEL NORTE $311,250 $398,450 $481,650 $598,550
CRESCENT CITY, CA (MICRO)
--------------------------------------------------------------------------------
EL DORADO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
FRESNO $381,250 $488,050 $589,950 $733,150
FRESNO, CA (MSA)
--------------------------------------------------------------------------------
GLENN $287,500 $368,050 $444,900 $552,900
NON-METRO
--------------------------------------------------------------------------------
HUMBOLDT $393,750 $504,050 $609,300 $757,200
EUREKA-ARCATA-FORTUNA, CA (MICRO)
--------------------------------------------------------------------------------
IMPERIAL $325,000 $416,050 $502,900 $625,000
EL CENTRO, CA (MSA)
--------------------------------------------------------------------------------
INYO $437,500 $560,050 $677,000 $841,350
BISHOP, CA (MICRO)
--------------------------------------------------------------------------------
KERN $368,750 $472,050 $570,600 $709,150
BAKERSFIELD, CA (MSA)
--------------------------------------------------------------------------------
KINGS $325,000 $416,050 $502,900 $625,000
HANFORD-CORCORAN, CA (MSA)
--------------------------------------------------------------------------------
LAKE $401,250 $513,650 $620,900 $771,650
CLEARLAKE, CA (MICRO)
--------------------------------------------------------------------------------
LASSEN $285,000 $364,850 $441,000 $548,050
SUSANVILLE, CA (MICRO)
--------------------------------------------------------------------------------
LOS ANGELES $729,750 $934,200 $1,129,250 $1,403,400
LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D
--------------------------------------------------------------------------------
MADERA $425,000 $544,050 $657,650 $817,300
MADERA, CA (MSA)
--------------------------------------------------------------------------------
MARIN $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
--------------------------------------------------------------------------------
MARIPOSA $412,500 $528,050 $638,300 $793,250
NON-METRO
--------------------------------------------------------------------------------
MENDOCINO $512,500 $656,100 $793,050 $985,600
UKIAH, CA (MICRO)
--------------------------------------------------------------------------------
MERCED $472,500 $604,900 $731,150 $908,650
MERCED, CA (MSA)
--------------------------------------------------------------------------------
MODOC $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
MONO $529,000 $677,200 $818,600 $1,017,300
NON-METRO
--------------------------------------------------------------------------------
MONTEREY $729,750 $934,200 $1,129,250 $1,403,400
SALINAS, CA (MSA)
--------------------------------------------------------------------------------
NAPA $729,750 $934,200 $1,129,250 $1,403,400
NAPA, CA (MSA)
--------------------------------------------------------------------------------
NEVADA $562,500 $720,100 $870,450 $1,081,750
TRUCKEE-GRASS VALLEY, CA (MICRO)
--------------------------------------------------------------------------------
ORANGE $729,750 $934,200 $1,129,250 $1,403,400
SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
PLACER $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
PLUMAS $410,000 $524,850 $634,450 $788,450
NON-METRO
--------------------------------------------------------------------------------
RIVERSIDE $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)
--------------------------------------------------------------------------------
sacramento $580,000 $742,500 $897,500 $1,115,400
sacramento--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
SAN BENITO $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)
--------------------------------------------------------------------------------
SAN BERNARDINO $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)
--------------------------------------------------------------------------------
SAN DIEGO $697,500 $892,950 $1,079,350 $1,341,350
SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)
--------------------------------------------------------------------------------
SAN FRANCISCO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
--------------------------------------------------------------------------------
SAN JOAQUIN $488,750 $625,700 $756,300 $939,900
STOCKTON, CA (MSA)
--------------------------------------------------------------------------------
SAN LUIS OBISPO $687,500 $880,100 $1,063,850 $1,322,150
SAN LUIS OBISPO-PASO ROBLES, CA (MSA)
--------------------------------------------------------------------------------
SAN MATEO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
--------------------------------------------------------------------------------
SANTA BARBARA $729,750 $934,200 $1,129,250 $1,403,400
SANTA BARBARA-SANTA MARIA, CA (MSA)
--------------------------------------------------------------------------------
SANTA CLARA $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)
--------------------------------------------------------------------------------
SANTA CRUZ $729,750 $934,200 $1,129,250 $1,403,400
SANTA CRUZ-WATSONVILLE, CA (MSA)
--------------------------------------------------------------------------------
SHASTA $423,750 $542,450 $655,700 $814,900
REDDING, CA (MSA)
--------------------------------------------------------------------------------
SIERRA $304,750 $390,100 $471,550 $586,050
NON-METRO
--------------------------------------------------------------------------------
SISKIYOU $293,750 $376,050 $454,550 $564,900
NON-METRO
--------------------------------------------------------------------------------
SOLANO $557,500 $713,700 $862,700 $1,072,150
VALLEJO-FAIRFIELD, CA (MSA)
--------------------------------------------------------------------------------
SONOMA $662,500 $848,100 $1,025,200 $1,274,050
SANTA ROSA-PETALUMA, CA (MSA)
--------------------------------------------------------------------------------
STANISLAUS $423,750 $542,450 $655,700 $814,900
MODESTO, CA (MSA)
--------------------------------------------------------------------------------
SUTTER $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)
--------------------------------------------------------------------------------
TEHAMA $312,500 $400,050 $483,550 $600,950
RED BLUFF, CA (MICRO)
--------------------------------------------------------------------------------
TRINITY $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
TULARE $325,000 $416,050 $502,900 $625,000
VISALIA-PORTERVILLE, CA (MSA)
--------------------------------------------------------------------------------
TUOLUMNE $437,500 $560,050 $677,000 $841,350
PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)
--------------------------------------------------------------------------------
VENTURA $729,750 $934,200 $1,129,250 $1,403,400
OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)
--------------------------------------------------------------------------------
YOLO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
YUBA $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)
VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. VanDyk Mortgage is also a Proud VA Direct Lender. Go with the Government Loan Pros, go with VanDyk. Visit us at http://www.vandykfunding.com/ or call Brian Skaar at 760-752-4480 for help with your FHA loan.We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cashout refinance, FHA Rehab 203K, VA, Conforming & Jumbo Loans.
County Name Single Family Duplex Tri-plex Four-plex
--------------------------------------------------------------------------------
ALAMEDA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
ALPINE $547,500 $700,900 $847,200 $1,052,900
NON-METRO
--------------------------------------------------------------------------------
AMADOR $443,750 $568,050 $686,650 $853,350
NON-METRO
--------------------------------------------------------------------------------
BUTTE $400,000 $512,050 $618,950 $769,250
CHICO, CA (MSA)
--------------------------------------------------------------------------------
CALAVERAS $462,500 $592,050 $715,700 $889,450
NON-METRO
--------------------------------------------------------------------------------
COLUSA $397,500 $508,850 $615,100 $764,400
NON-METRO
--------------------------------------------------------------------------------
CONTRA COSTA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
DEL NORTE $311,250 $398,450 $481,650 $598,550
CRESCENT CITY, CA (MICRO)
--------------------------------------------------------------------------------
EL DORADO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
FRESNO $381,250 $488,050 $589,950 $733,150
FRESNO, CA (MSA)
--------------------------------------------------------------------------------
GLENN $287,500 $368,050 $444,900 $552,900
NON-METRO
--------------------------------------------------------------------------------
HUMBOLDT $393,750 $504,050 $609,300 $757,200
EUREKA-ARCATA-FORTUNA, CA (MICRO)
--------------------------------------------------------------------------------
IMPERIAL $325,000 $416,050 $502,900 $625,000
EL CENTRO, CA (MSA)
--------------------------------------------------------------------------------
INYO $437,500 $560,050 $677,000 $841,350
BISHOP, CA (MICRO)
--------------------------------------------------------------------------------
KERN $368,750 $472,050 $570,600 $709,150
BAKERSFIELD, CA (MSA)
--------------------------------------------------------------------------------
KINGS $325,000 $416,050 $502,900 $625,000
HANFORD-CORCORAN, CA (MSA)
--------------------------------------------------------------------------------
LAKE $401,250 $513,650 $620,900 $771,650
CLEARLAKE, CA (MICRO)
--------------------------------------------------------------------------------
LASSEN $285,000 $364,850 $441,000 $548,050
SUSANVILLE, CA (MICRO)
--------------------------------------------------------------------------------
LOS ANGELES $729,750 $934,200 $1,129,250 $1,403,400
LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D
--------------------------------------------------------------------------------
MADERA $425,000 $544,050 $657,650 $817,300
MADERA, CA (MSA)
--------------------------------------------------------------------------------
MARIN $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
--------------------------------------------------------------------------------
MARIPOSA $412,500 $528,050 $638,300 $793,250
NON-METRO
--------------------------------------------------------------------------------
MENDOCINO $512,500 $656,100 $793,050 $985,600
UKIAH, CA (MICRO)
--------------------------------------------------------------------------------
MERCED $472,500 $604,900 $731,150 $908,650
MERCED, CA (MSA)
--------------------------------------------------------------------------------
MODOC $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
MONO $529,000 $677,200 $818,600 $1,017,300
NON-METRO
--------------------------------------------------------------------------------
MONTEREY $729,750 $934,200 $1,129,250 $1,403,400
SALINAS, CA (MSA)
--------------------------------------------------------------------------------
NAPA $729,750 $934,200 $1,129,250 $1,403,400
NAPA, CA (MSA)
--------------------------------------------------------------------------------
NEVADA $562,500 $720,100 $870,450 $1,081,750
TRUCKEE-GRASS VALLEY, CA (MICRO)
--------------------------------------------------------------------------------
ORANGE $729,750 $934,200 $1,129,250 $1,403,400
SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION
--------------------------------------------------------------------------------
PLACER $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
PLUMAS $410,000 $524,850 $634,450 $788,450
NON-METRO
--------------------------------------------------------------------------------
RIVERSIDE $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)
--------------------------------------------------------------------------------
sacramento $580,000 $742,500 $897,500 $1,115,400
sacramento--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
SAN BENITO $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)
--------------------------------------------------------------------------------
SAN BERNARDINO $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)
--------------------------------------------------------------------------------
SAN DIEGO $697,500 $892,950 $1,079,350 $1,341,350
SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)
--------------------------------------------------------------------------------
SAN FRANCISCO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
--------------------------------------------------------------------------------
SAN JOAQUIN $488,750 $625,700 $756,300 $939,900
STOCKTON, CA (MSA)
--------------------------------------------------------------------------------
SAN LUIS OBISPO $687,500 $880,100 $1,063,850 $1,322,150
SAN LUIS OBISPO-PASO ROBLES, CA (MSA)
--------------------------------------------------------------------------------
SAN MATEO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI
--------------------------------------------------------------------------------
SANTA BARBARA $729,750 $934,200 $1,129,250 $1,403,400
SANTA BARBARA-SANTA MARIA, CA (MSA)
--------------------------------------------------------------------------------
SANTA CLARA $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)
--------------------------------------------------------------------------------
SANTA CRUZ $729,750 $934,200 $1,129,250 $1,403,400
SANTA CRUZ-WATSONVILLE, CA (MSA)
--------------------------------------------------------------------------------
SHASTA $423,750 $542,450 $655,700 $814,900
REDDING, CA (MSA)
--------------------------------------------------------------------------------
SIERRA $304,750 $390,100 $471,550 $586,050
NON-METRO
--------------------------------------------------------------------------------
SISKIYOU $293,750 $376,050 $454,550 $564,900
NON-METRO
--------------------------------------------------------------------------------
SOLANO $557,500 $713,700 $862,700 $1,072,150
VALLEJO-FAIRFIELD, CA (MSA)
--------------------------------------------------------------------------------
SONOMA $662,500 $848,100 $1,025,200 $1,274,050
SANTA ROSA-PETALUMA, CA (MSA)
--------------------------------------------------------------------------------
STANISLAUS $423,750 $542,450 $655,700 $814,900
MODESTO, CA (MSA)
--------------------------------------------------------------------------------
SUTTER $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)
--------------------------------------------------------------------------------
TEHAMA $312,500 $400,050 $483,550 $600,950
RED BLUFF, CA (MICRO)
--------------------------------------------------------------------------------
TRINITY $271,050 $347,000 $419,425 $521,250
NON-METRO
--------------------------------------------------------------------------------
TULARE $325,000 $416,050 $502,900 $625,000
VISALIA-PORTERVILLE, CA (MSA)
--------------------------------------------------------------------------------
TUOLUMNE $437,500 $560,050 $677,000 $841,350
PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)
--------------------------------------------------------------------------------
VENTURA $729,750 $934,200 $1,129,250 $1,403,400
OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)
--------------------------------------------------------------------------------
YOLO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)
--------------------------------------------------------------------------------
YUBA $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)
VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. VanDyk Mortgage is also a Proud VA Direct Lender. Go with the Government Loan Pros, go with VanDyk. Visit us at http://www.vandykfunding.com/ or call Brian Skaar at 760-752-4480 for help with your FHA loan.We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cashout refinance, FHA Rehab 203K, VA, Conforming & Jumbo Loans.
Monday, February 22, 2010
Gold Survived 3 shocks : China Greece and Obama says investor Takai of Sumitomo Corp.
Sumitomo's Takai Discusses Gold Price, U.S. Dollar
Feb. 22 (Bloomberg) -- Bob Takai, the general manager of financial services at Sumitomo Corp., talks with Bloomberg's Susan Li about the outlook for gold market and the U.S. dollar. (This is an excerpt of the full interview. Source: Bloomberg)
Sunday, February 21, 2010
Gold is The Real Reserve Currency : Michael Levy
Michael Levy details the Virtues of REAL reserve currencies during times of economic turmoil. Levy describes the worlds economic outlook for 2010 and beyond.He shows the overall trend of the US Dollar losing Value and Why Gold Silver and other Commodities are Ready For Blastoff!
Monday, February 15, 2010
Canada Has Housing Bubble
Stephen Jarislowsky, chairman of Montreal-based investment adviser Jarislowsky Fraser Ltd., said he is “convinced” there’s a bubble in Canada’s housing market, fueled by government measures that encouraged consumers to take on debt.
“They have basically encouraged people to buy houses based on cheap mortgages,” Jarislowsky, 84, said in a telephone interview from Montreal. “That has created the opposite effect of what was desirable.”
Canadian home prices and resales will grow to records this year, boosted by low interest rates, the Canadian Real Estate Association said in a report this week. Canadian new-home prices rose 0.4 percent in December from the previous month, the sixth straight gain, government figures showed yesterday.
“I am convinced there is a housing bubble in Canada,” said Jarislowsky, whose investment fund owns shares in Canada’s four biggest banks, including Toronto-based Royal Bank of Canada.
The comments by Jarislowsky, who is one of Canada’s wealthiest investors with a fortune worth C$1.85 billion ($1.8 billion) according to Canadian Business magazine, contrast with the view held by Finance Minister Jim Flaherty, who sees “no clear evidence” of a housing bubble, his spokesman, Chisholm Pothier, said this week.
“They have basically encouraged people to buy houses based on cheap mortgages,” Jarislowsky, 84, said in a telephone interview from Montreal. “That has created the opposite effect of what was desirable.”
Canadian home prices and resales will grow to records this year, boosted by low interest rates, the Canadian Real Estate Association said in a report this week. Canadian new-home prices rose 0.4 percent in December from the previous month, the sixth straight gain, government figures showed yesterday.
“I am convinced there is a housing bubble in Canada,” said Jarislowsky, whose investment fund owns shares in Canada’s four biggest banks, including Toronto-based Royal Bank of Canada.
The comments by Jarislowsky, who is one of Canada’s wealthiest investors with a fortune worth C$1.85 billion ($1.8 billion) according to Canadian Business magazine, contrast with the view held by Finance Minister Jim Flaherty, who sees “no clear evidence” of a housing bubble, his spokesman, Chisholm Pothier, said this week.
Friday, February 12, 2010
Silver Price to skyrocket Because of Its Shortage and multiple Industrial Uses
Silver not only is as gold an old precious metal it is also a remarkable industrial metal , it is the best electrical conductor better than copper , and also the best thermo conductor in the world , and there is just not enough silver on the ground , every year we are mining one tenth of the reserves , so it is normal that we will run out of silver very soon , and we need a lot of it in several industrial processes.
Money manager predicts the price of silver to skyrocket on industrial growth.
Money manager predicts the price of silver to skyrocket on industrial growth.
Thursday, February 11, 2010
Scrap Gold Ohio Gold and Silver Refinery on CBS
Ohio Gold and Silver Refinery Thurs. Morning Interview for 02/11/10
Wednesday, February 10, 2010
Jonathan Barratt : Gold May Rise on Civil Unrest in Greece
Barratt Says Gold May Rise on `Civil Unrest' in Greece
Feb. 10 (Bloomberg) -- Jonathan Barratt, managing director at Commodity Broking Services Pty, talks with Bloomberg's Judith Bogner about the outlook for gold prices. Barratt, speaking in Sydney, also discusses BHP Billiton Ltd.'s first-half profit.Tuesday, February 9, 2010
Why Platinum is a Better Investment Than Gold
Brenton Saunders, director at Taurus Funds Management Bullish on Platinum
Place your bets on platinum, says Brenton Saunders, director at Taurus Funds Management. He tells CNBC\'s Oriel Morrison why he is upbeat on the commodity.Monday, February 8, 2010
Bristow of Randgold Sees Gold in $1,000-$1,200 Range
Randgold's Bristow Sees Gold in $1,000-$1,200 Range
Mark Bristow, chief executive officer of Randgold Resources Ltd, talks about fourth-quarter profit and the outlook for gold prices. Bristow speaks with Bloomberg's Maryam Nemazee and Rishaad Salamat in London
Gold Rally on Bargain hunting and Weak Dollar
NEW YORK (TheStreet) -- George Gero, vice president of global futures at RBC Capital Markets, says today's relief rally could be short lived as gold prices test the $1,025 area.
Gold Rebounds today and Randgold Posts Triple the Profit
Mike Maloney Silver Can Hit $1,500
“The world is going to rush into gold, but just like at the end of ’79, once it gets too expensive for the common man, which I believe is somewhere between $2,500 and $5,000 an ounce this time, the public changes their preference and they start noticing that silver is still cheap, and they start buying silver. That’s when silver blows the doors off of gold on a percentage basis just like in ’79.” Silver mining costs are below those of Gold , Silver is incredibly under valued says Mike Maloney, author of Rich Dad's Guide to Investing in Gold and Silver, predicted $15,000 gold but think silver offers more upside over the long term. Original air date: 2/3/10
Mortgage Insurance
Government intervention in the mortgage insurance market is exposing Canadian taxpayers to enormous potential liabilities if Canada were to be hit with a mortgage default crisis similar to what occurred in the United States, according to a new peer-reviewed study released today by the Fraser Institute, Canada's leading public policy think-tank.
The report, Mortgage Finance Reform: Protecting Taxpayers from Liability, finds that the Canadian government is heavily exposed in the mortgage market because 43 per cent of all residential mortgages (including all loan-to-value mortgages over 80 per cent) are backed by the government through the federally owned Canada Mortgage and Housing Corporation (CMHC).
The report recommends that the federal government follow Australia's example by opening Canada's mortgage insurance market to full competition including the privatization of the CMHC.
"The CMHC dominates the Canadian mortgage insurance market because it enjoys regulatory advantages not available to private-sector companies. As a result, several private-sector mortgage companies have withdrawn from offering mortgage insurance in Canada," said Dr. Brett J. Skinner, Fraser Institute director of insurance policy research.
"The Canadian government should reduce taxpayer exposure by allowing the private sector to take responsibility for insuring and securitizing Canadian residential mortgages. This includes the complete privatization of the CMHC's mortgage insurance business."
The report points out that the Canadian model has the majority of risk concentrated with the Government of Canada, and therefore the taxpayer liability is much greater in Canada than in Australia. By privatizing the CMHC or removing its unfair regulatory advantages, the market would likely be more pluralistic with multiple mortgage insurance providers serving Canadians.
This would be similar to the Australian model of mortgage financing, which has been highly successful in achieving home ownership outcomes and has produced a stable mortgage market, but has minimized taxpayer liabilities during financial crises.
The report, Mortgage Finance Reform: Protecting Taxpayers from Liability, finds that the Canadian government is heavily exposed in the mortgage market because 43 per cent of all residential mortgages (including all loan-to-value mortgages over 80 per cent) are backed by the government through the federally owned Canada Mortgage and Housing Corporation (CMHC).
The report recommends that the federal government follow Australia's example by opening Canada's mortgage insurance market to full competition including the privatization of the CMHC.
"The CMHC dominates the Canadian mortgage insurance market because it enjoys regulatory advantages not available to private-sector companies. As a result, several private-sector mortgage companies have withdrawn from offering mortgage insurance in Canada," said Dr. Brett J. Skinner, Fraser Institute director of insurance policy research.
"The Canadian government should reduce taxpayer exposure by allowing the private sector to take responsibility for insuring and securitizing Canadian residential mortgages. This includes the complete privatization of the CMHC's mortgage insurance business."
The report points out that the Canadian model has the majority of risk concentrated with the Government of Canada, and therefore the taxpayer liability is much greater in Canada than in Australia. By privatizing the CMHC or removing its unfair regulatory advantages, the market would likely be more pluralistic with multiple mortgage insurance providers serving Canadians.
This would be similar to the Australian model of mortgage financing, which has been highly successful in achieving home ownership outcomes and has produced a stable mortgage market, but has minimized taxpayer liabilities during financial crises.
Sunday, February 7, 2010
Soros is behind the attacks on Gold Price says Bob Chapman
George Soros Warns Gold is now the ultimate bubble
Mr George Soros, arguably the most famous hedge fund manager in history, warned that with interest rates low around the world, policymakers were risking generating new bubbles which could cause crashes in the future. In comments delivered on the fringe of the World Economic Forum, Mr Soros said: "When interest rates are low we have conditions for asset bubbles to develop, and they are developing at the moment. The ultimate asset bubble is gold."Friday, February 5, 2010
David Morgan Buy Gold on This Pullback
NEW YORK (TheStreet) -- David Morgan, founder of Silver-Investor.com, says to be a scale in buyer as gold prices head to the $1,000 an ounce support area.
Thursday, February 4, 2010
McCullough Gold will go again below $1000/oz
McCullough Favors Dollar Bearish on Gold, China
Feb. 4 (Bloomberg) -- Keith McCullough chief executive officer of Hedgeye Risk Management and a Bloomberg Television contributing editor, talks with Erik Schatzker about his investment strategy for gold and the dollar. McCullough also discusses the Obama administration's proposal to prohibit commercial banks from owning hedge funds and limit how much they could trade for their own accounts. (Source: Bloomberg)
Tuesday, February 2, 2010
Silver Is Poised To Rise In The Long Run, But The Short-term Situation Is Complicated
By: Przemyslaw Radomski
Perhaps you may have heard mentions recently of the Austrian School of Economics versus the Keynesian branch. Maybe you saw televised interviews with Congressman Ron Paul (R-Texas.) He is the Congressman who has been trying for decades to pass a bill that would give Congress the power to audit the Federal Reserve Bank. What was once a ridiculed, marginal proposal recently passed the House and will soon be considered by the Senate.
Congressman Paul blames the country's economic woes on a long-dead economist by the name of John Maynard Keynes, whose present-day adherents, he says, are the ones bringing the country's economy to the cliff's edge.
Keynesian economics gained dominance after World War II and it was President Richard Nixon who proclaimed in 1971: "We are all Keynesians now." It was about the same time that Nixon "temporarily" severed the link between the dollar and gold, thus laying the framework for the currency's debasement. Congressman Paul is an adherent of the Austrian school of Economics.
Read article
Monday, February 1, 2010
George Gero Gold Monday rally could be short lived
NEW YORK (TheStreet) -- George Gero, vice president of global futures at RBC Capital Markets, argues that gold's Monday rally could be short lived and that the market is acting tired.
BMO Fixed Rate Dropped
With interest rates at a record low, a growing number of people are looking to purchase a home. Every homebuyer faces the age-old question of whether to choose a fixed or variable rate mortgage.
"The question of whether to lock in to a longer-term fixed mortgage rate or stay in a variable rate has become an increasingly complex and important debate," said Doug Porter, Deputy Chief Economist, BMO Capital Markets.
"Short-term rates are at historic lows and pressure is likely to build for higher rates in the year ahead."
Research shows that over the past 30 years it has been more cost-effective for borrowers to have a variable rate mortgage 82 per cent of the time. However, under the current environment, Porter points out there are a number of factors to consider before assuming the variable rate is the hands-down winner:
The Bank of Canada could be forced to raise interest rates aggressively, driving variable mortgage rates higher, but leaving Canadians with fixed rates relatively unscathed. Plus, fixed rates are currently very attractive given that short-term rates are already as low as they can go.
The Case for Going Variable
The advantage to a variable rate mortgage is that it has been consistently less costly over time. As well, the current outlook for inflation remains benign, which will likely keep price pressures at bay well into 2011. The soaring Canadian dollar is putting additional downward pressure on prices, reducing the near-term need for the Bank of Canada to raise rates.
There is also some risk to locking in as fixed rates could fall if the economy performs worse than anticipated. Even as rates start to rise, Canadians can always lock into a fixed rate at a later date.
The decision depends on the individual. For those who do not have a lot of financial flexibility - such as first-time home buyers and those who would run into difficulty from an upswing in interest rates - the moderate extra cost of peace of mind you can get from a fixed rate may be a price worth paying.
There is also a reasonable scenario where fixed rates may actually prove to be a cheaper alternative at this point. That's particularly the case given some recent cuts in long-term fixed rates, such as BMO's current special rate of 4.09 per cent for a five-year fixed mortgage. BMO Economics' view is that variable rates will climb only moderately, but by enough to tilt the balance in favour of current fixed rates.
"The most important thing a current or first-time homeowner can do is talk to a knowledgeable mortgage expert about their situation and make decisions based on their particular circumstances," said Jane Yuen, Senior Manager, Mortgages, BMO Bank of Montreal. "So come in to a branch or contact a mortgage expert to decide on the type of mortgage that is best for you at this point in your life."
"The question of whether to lock in to a longer-term fixed mortgage rate or stay in a variable rate has become an increasingly complex and important debate," said Doug Porter, Deputy Chief Economist, BMO Capital Markets.
"Short-term rates are at historic lows and pressure is likely to build for higher rates in the year ahead."
Research shows that over the past 30 years it has been more cost-effective for borrowers to have a variable rate mortgage 82 per cent of the time. However, under the current environment, Porter points out there are a number of factors to consider before assuming the variable rate is the hands-down winner:
- Canada has been in a long-term declining rate environment since the
early 1980s.
- The Bank of Canada's overnight rate is now as low as it can go, so
there is no further downside for variable rates. The surprises can
only be to the high side from here.
- Fixed rates were advantageous during only two recent periods - through
the late 1970s and in the late 1980s; in both cases ahead of a period
of rising interest rates, as is the case now.
The Case for Staying Fixed
A conventional fixed rate mortgage can mitigate a number of risks. Although inflation has not been a problem since 1991, there is a risk of an inflation flare-up as global central banks keep the pedal to the policy metal, and amid record government deficits.
The Bank of Canada could be forced to raise interest rates aggressively, driving variable mortgage rates higher, but leaving Canadians with fixed rates relatively unscathed. Plus, fixed rates are currently very attractive given that short-term rates are already as low as they can go.
The Case for Going Variable
The advantage to a variable rate mortgage is that it has been consistently less costly over time. As well, the current outlook for inflation remains benign, which will likely keep price pressures at bay well into 2011. The soaring Canadian dollar is putting additional downward pressure on prices, reducing the near-term need for the Bank of Canada to raise rates.
There is also some risk to locking in as fixed rates could fall if the economy performs worse than anticipated. Even as rates start to rise, Canadians can always lock into a fixed rate at a later date.
The decision depends on the individual. For those who do not have a lot of financial flexibility - such as first-time home buyers and those who would run into difficulty from an upswing in interest rates - the moderate extra cost of peace of mind you can get from a fixed rate may be a price worth paying.
There is also a reasonable scenario where fixed rates may actually prove to be a cheaper alternative at this point. That's particularly the case given some recent cuts in long-term fixed rates, such as BMO's current special rate of 4.09 per cent for a five-year fixed mortgage. BMO Economics' view is that variable rates will climb only moderately, but by enough to tilt the balance in favour of current fixed rates.
"The most important thing a current or first-time homeowner can do is talk to a knowledgeable mortgage expert about their situation and make decisions based on their particular circumstances," said Jane Yuen, Senior Manager, Mortgages, BMO Bank of Montreal. "So come in to a branch or contact a mortgage expert to decide on the type of mortgage that is best for you at this point in your life."
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