Flip Rules for Conventional Loans - we require only 1 day

Flip Rules for Conventional Loans - We only require that the seller own the home for 1 day prior to resale.

The Owner seasoning requirement on our Conventional Loans is one day. That is right, one day. Why is this important you ask? Well, many lenders have begun to require that sellers own a home for 90-180 days before it is eligible for their Conventional Financing. Fannie Mae and Freddie Mac are both examples of Conventional Financing. We do not require these waiting periods.

Owner Seasoning simply means how long the current owner has owned the property.

VanDyk only requires that the seller is the owner of record on the day the contract is signed.

Many other lenders have added restrictions that reduce the eligibility for homes that were recently purchased and rehabbed to be sold again within 90 - 120 days. Investors may have purchased the home at a foreclosure auction, or direct from a bank. Many of these homes have been completely rehabilitated, making them a more desirable home to buy - They are Turn key homes.

Our Underwriting Rules can help you avoid the issue of seller seasoning, Flip Rules, and big bank rules that restrict access to quality Conventional Loans.

Get started on your New Home loan with the Loan Pros at VanDyk. Visit us at http://www.vandykfunding.com/ to apply online, or call 760-752-4480 and ask for Brian Skaar.
VA Condo's also qualify under our VA Flip Rules.

Silver Can Hit $1,500 Per Ounce - Mike Maloney

Do you want to understand gold and silver? Best selling author Mike Maloney (Rich Dad's Guide to Investing In Gold & Silver) explains what is Yours greatest opportunity in the history of mankind".

Forget Gold invest in Silver says Mike Maloney

Rich Dad Silver- Forecast To Silver Prices with Mike Maloney

March 31 (Bloomberg) -- Rich Dad's Michael Maloney, author of "Rich Dad's Guide to Investing in Gold & Silver," talks with Bloomberg's Haslinda Amin about his upcoming forecast for silver and gold prices .

Mike Maloney says $100/oz for Silver is a reasonable price, and would still be a bargin.

Robert Kiyosaki : Silver will go to $35

Robert Kiyosaki - Goldseek Radio Nugget - 04-22-10

Robert Kiyosaki : I better be street smart than college educated , the Obama administration as well as all the big corporations are full of college educated kids with no real world experience , they will have to increase either inflation or taxes ,Israel will attack Iran every time there is an economic problem they have to create a war , wars cannot be financed unless you have inflation and taxes , The reason the US can fight so many wars is that it can tax but also inflate the monetary system by printing money ...whatever everybody is doing do not do it ....the one I am watching more than anything else is Silver , Silver is an industrial metal unlike Gold and today there is less silver in the world than there is gold ...says Robert Kiyosaki

Gold price rising despite strong Dollar and weaker Euro

Inflation Supports Gold Prices

NEW YORK (TheStreet) -- Nicholas Brooks, head of research and investment strategy for ETF Securities, argues that the inflation fear trade is back in the markets and will help move gold prices.

Silver price explosion 2010 with David Morgan

David Morgan Silver 2010 predictions q1 howestreet
Knowing what will happen in Year 2010. Preparing for yourself for the coming challenging in the world. Find out the solution and Visit http://silversnowball.com/2030 It has been widely published in scientific circles that silver will be the first element from the periodic table to become extinct. Adrian Douglas builds a strong case for why silver must eventually sell for many multiples of its current price. http://silversnowball.com/2030 Why an $1800 Investment in Silver Today Will Likely Be Worth $100,000 Within The Next 15 Months http://silversnowball.com/2030 As the value of the dollar declines, the price of silver and gold increases reflecting the loss of purchasing power and trust in the dollar. This is why gold that sold for $250 per ounce in 2002 now sells for over $1162 per ounce today. The value of gold has not increased. Rather, its price in dollars reflects the decreased purchasing power of those dollars. Now here's how to take advantage of the dollar collapse to get out of debt, pay off your mortgage and more. At the time of this writing (12-5-09) the spot price of silver is $18.50 per ounce. I know this may be hard to believe for many, but when the dollar is devalued and a national banking holiday is called to realign banks with the newly devalued dollar, silver will soarNoLet me restate thatThe cost of silver will shoot up and skyrocket to unbelievably high dollar amounts. Visit http://silversnowball.com/2030 to see how you can start getting your own silver eagle coins from silver snowball below spot price!

Future Home Prices

Canadian CEOs don’t think that the country’s real estate market is in a bubble, but that doesn’t mean they’re optimistic about further growth.

A recent Compas Inc. poll shows that business leaders expect a rise in residential real estate prices over the next 12 months of just 1.75%. That’s a modest prediction, given that real estate prices jumped 18% in the past year, and that over the past 20 years, they increased on average by 3.4%.

Like the executives polled, the Canadian Real Estate Association (CREA) expects to see continued growth in housing prices as well as increased buying and selling through the first half of 2010. Both CREA and the poll respondents said many homebuyers are looking to purchase homes before the harmonized sales tax comes into effect. “B.C. and Ontario are likely to see house prices drop in the latter two quarters of this year, following the adoption of the HST,” said one executive.

Rising interest rates are also expected to cool the market. Some of Canada’s big banks have already begun to adjust their historically low rates with recent hikes in the cost of fixed-rate mortgages.

The Canadian housing market tumbled following the international financial crisis in 2008, but it experienced a quick rebound, starting in 2009. In total, Canada’s housing prices have increased by 92% since the beginning of 2000, according to the Teranet-National Bank House Prices Index.

But according to the chief executives, the housing market faces years of slow growth. Two years from now they expect average residential prices to be up by 5% overall. They believe that over the next five years, prices will experience an overall increase of 13.9%.

The executives also weighed in on which major markets will see the strongest prices over the next five years. Respondents expect Vancouver, which saw prices increase by 22% in the last year, to continue to have strong growth. The executives polled also see strong markets in Calgary and Toronto, but expect Ottawa and Montreal to experience the least growth.

How Gold Could Break $1,200 - Brian Hicks of the U.S. Global Investors Global Resources Fund

How Gold Could Break $1,200

Brian Hicks, co-manager of the U.S. Global Investors Global Resources Fund, says long term, gold will head higher, but in the short term, prices will stay confined to a tight trading range.

Should you buy Gold Now ?

When to Buy Gold

NEW YORK (TheStreet) - Scott Redler, chief strategic officer for T3Live.com, thinks gold is looking healthy here, despite its small pullback, and he's looking for the right buying opportunity to add more shares of the GLD.

JP Morgan Gold and Silver Market Manipulation

CFTC whistleblower injured in London hit-and-run

http://www.gata.org/node/8477

Dear Friend of GATA and Gold:

London metals trader Andrew Maguire, who warned an investigator for the U.S. Commodity Futures Trading Commission in advance about a gold and silver market manipulation to be undertaken by traders for JPMorgan Chase in February and whose whistleblowing was publicized by GATA at Thursday's CFTC hearing on metals futures trading --

Source and to read more >>>
The French connection with Daryl Brad Smith and Mohamed Rafeeq goes back in details analyzing the gold and silver rigging especially in the light of these new information from Canada stating that the vaults of the Scotia Bank were found semi empty of the gold and silver that they were supposed to be storing for thousands of clients who have bought gold certificates , we are certainly going to hear more news about these market rigging by JP Morgan chase and other Big Banks and institutions ..are the gold certificate worthless pieces of paper ???

James Turk on The gold and silver price manipulation and The Andrew Maguire case

James Turk - Goldseek Radio Nugget - 04-07-10

James Turk on Goldseek Radio dated April 7th, 2010. James discusses the recent hearing on gold and silver price manipulation before the CFTC. Also talks about where he thinks the gold and silver price are headed. James Turk is the author of The Collapse of the Dollar and How to Profit from It: Make a Fortune by Investing in Gold and Other Hard Assets

Lihir Gold Rejects Takeover Bid from Newcrest

Ross Garnaut, chairman of Lihir Gold says there were several reasons they rejected a takeover bid from Newcrest including a too small premium. He discusses the other reasons during a phone interview with CNBC's Oriel Morrison.

Temecula FHA Lender - Temecula VA Lender - California VA Loans and FHA Loans

Temecula VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender.VanDyk Mortgage is your source for VA Loans and FHA Loans in Temecula. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Temecula Homebuyers and Temecula Homeowners to Purchase and refinance homes..

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

Temecula FHA Loans are available up to $500,000 with just 3.5% down payment. The FHA 2010 Loan Limit for Temecula is $500,00. Temecula FHA Loans that are over $417K up to $500,000 are called FHA Jumbo or FHA High Balance loans.

Temecula VA Loans are available up to $417,000 with zero downpayment. The Temecula VA Loan Limit in 2010 is $417,000. However, Veterans are not limited to the Temecula Loan limit of $417,000 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Temecula Conforming Loans are available up to $500,000. The Temecula Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $500,00) require a minimum of 10% downpayment or equity.

Temecula is located in South Riverside County. It has it's own Temecula Wine Country boasting many local wineries in the Temecula Valley. Nearby Cities include Murrieta, Wildomar, Winchester, French Valley, Aguanga, Rainbow, Fallbrook, Sun City, Hemet, Menifee and more.

Here are some links to local Temecula information:

• Temecula City Website


• Temecula History and city Site


• Temecula Crime Maps


• Temecula Statistics, Demographics, & Info


• Temecula Real Estate


• Temecula School info


• Temecula Wiki

Temecula Home Loan information

FHA Home loans in Temecula, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $500,000 (aka FHA High Balance)


• The $500,000 is the base loan amount - the Temecula FHA Loan Limit of $500,000 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for a FHA Home Loan is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Temecula, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $417,00


• A $500K Temecula Home Purchase would only require $20,750 downpayment (4.15%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in Temecula, California:

• Available up to $500,000 with the Conforming High Balance (aka conforming Jumbo)


• Temecula Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

Temecula Zip codes include 92589, 92590, 92591, 92592, and 92593. Temecula Area codes include the 951 area code, and to the east is the 442 area code.

Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for you. Visit us on the web at www.vandykfunding.com

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Diego, Temecula, San Marcos, Oceanside, Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway,Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

Murrieta VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender

Murrieta VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender. VanDyk Mortgage is your source for VA Loans and FHA Loans in Murrieta. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Murrieta Homebuyers and Murrieta Homeowners to Purchase and refinance homes..

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

Murrieta FHA Loans are available up to $500,000 with just 3.5% down payment. The FHA 2010 Loan Limit for Murrieta is $500,00. Murrieta FHA Loans that are over $417K up to $500,000 are called FHA Jumbo or FHA High Balance loans.

Murrieta VA Loans are available up to $417,000 with zero downpayment. The Murrieta VA Loan Limit in 2010 is $417,000. However, Veterans are not limited to the Murrieta Loan limit of $417,000 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Murrieta Conforming Loans are available up to $500,000. The Murrieta Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $500,00) require a minimum of 10% downpayment or equity.

Murrieta is located in South Riverside County in the Temecula Valley.

Here are some links to local Murrieta information:

• Murrieta City Website


• Murrieta City Directory


• Murrieta Crime Maps


• Murrieta Statistics, Demographics, & Info


• Murrieta Real Estate


• Murrieta School info


• Murrieta Wiki

Murrieta Home Loan information

FHA Home loans in Murrieta, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $500,000 (aka FHA High Balance)


• The $500,000 is the base loan amount - the Murrieta FHA Loan Limit of $500,000 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for a FHA Home Loan is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Murrieta, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $417,00


• A $500K Murrieta Home Purchase would only require $20,750 downpayment (4.15%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in Murrieta, California:

• Available up to $500,000 with the Conforming High Balance (aka conforming Jumbo)


• Murrieta Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

Murrieta Zip codes include 92562, 92563, and 92564. Murrieta Area codes include the 951 area code, and to the east is the 442 area code.

Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for you. Visit us on the web at www.vandykfunding.com

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Diego, Murrieta, San Marcos, Oceanside, Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway,Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Murrieta, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

GATA Founder Bill Murphy on The Silver Market Manipulation Story

GATA Founder Bill Murphy joins Rafeeq and Smith to discuss the recent events involving whistlerblower Andrew Maguire and the COMEX manipulation of Gold and Silver Market , naked shorting and market rigging ...

Los Angeles VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender.

Los Angeles VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender. VanDyk Mortgage is your source for VA Loans and FHA Loans in Los Angeles. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Los Angeles Homebuyers and Los Angeles Homeowners to Purchase and refinance homes.

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

Los Angeles FHA Loans are available up to $729,750 with just 3.5% down payment. The FHA 2010 Loan Limit for Los Angeles is $729,750. Los Angeles FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

Los Angeles VA Loans are available up to $593,750 with zero downpayment. The Los Angeles VA Loan Limit in 2010 is $593,750. However, Veterans are not limited to the Los Angeles Loan limit of $593,50 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Los Angeles Conforming Loans are available up to $729,750. The Los Angeles Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $729,750) require a minimum of 10% downpayment or equity.

Here are some links to local Los Angeles information:

• Los Angeles City Website


• Los Angeles Crime Maps


• Los Angeles Statistics, Demographics, & Info


• Los Angeles Real Estate


• Los Angeles School info


• Los Angeles Wiki

Los Angeles Home Loan information

FHA Home loans in Los Angeles, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)


• The $729,750 is the base loan amount - the Los Angeles FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Los Angeles, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $593,750


• A $825k Los Angeles Home Purchase would only require $57,812 downpayment (7.01%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in Los Angeles, California:

• Available up to $729,750 with the Conforming High Balance (aka conforming Jumbo)


• Los Angeles Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

We offer Jumbo Conventional Loans up to $3m - call for details.** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 866-900-2342 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, Los Angeles, San Diego, San Jose, San Francisco, Santa Monica, Pasadena, Brea, Diamond, Long beach, Huntington beach, Irvine, Costa Mesa, Hollywood, North Hollywood, San Mateo, Ventura, Riverside, Oakland, Fremont, Sunnyvale, Santa maria, Oceanside, Vista, Escondido, Los Angeles, Murrieta, Temecula, Rancho Bernardo, Poway, San Marcos, Carmel, Monterey, Santa Barbara, Santa Cruz, and all areas in between. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

San Francisco VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender.

San Francisco VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender. VanDyk Mortgage is your source for VA Loans and FHA Loans in San Francisco. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for San Francisco Homebuyers and San Francisco Homeowners to Purchase and refinance homes.

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

San Francisco FHA Loans are available up to $729,750 with just 3.5% down payment. The FHA 2010 Loan Limit for San Francisco is $729,750. San Francisco FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

San Francisco VA Loans are available up to $962,500 with zero downpayment. The San Francisco VA Loan Limit in 2010 is $962,500. However, Veterans are not limited to the San Francisco Loan limit of $962,500 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

San Francisco Conforming Loans are available up to $729,750. The San Francisco Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $729,750) require a minimum of 10% downpayment or equity.

San Francisco is located in Northern California. It is the heart and sould of the San Francisco Bay Area. Sharing a long history in the discovery, settlement, and development of California.

Here are some links to local San Francisco information:

• San Francisco City Website


• San Francisco Crime Maps


• San Francisco Statistics, Demographics, & Info


• San Francisco Real Estate


• San Francisco School info


• San Francisco Wiki

San Francisco Home Loan information

FHA Home loans in San Francisco, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)


• The $729,750 is the base loan amount - the San Francisco FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in San Francisco, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $962,500


• A $1.1M San Francisco Home Purchase would only require $34,375 downpayment (3.13%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in San Francisco, California:

• Available up to $729,750 with the Conforming High Balance (aka conforming Jumbo)


• San Francisco Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

We offer Jumbo Conventional Loans up to $3m - call for details.

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 866-900-2342 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Francisco, San Diego, San Jose, Los Angeles, ventura, Riverside, Oakland, Fremont, Sunnyvale, San Mateo, Oceanside, Vista, Escondido,, Rancho Bernardo, Poway, San Marcos, Carmel, Monterey, Santa Barbara, Santa Cruz, and all areas in between. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

San Jose VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender.

San Jose VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender. VanDyk Mortgage is your source for VA Loans and FHA Loans in San Jose. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for San Jose Homebuyers and San Jose Homeowners to Purchase and refinance homes.

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

San Jose FHA Loans are available up to $729,750 with just 3.5% down payment. The FHA 2010 Loan Limit for San Jose is $729,750. San Jose FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

San Jose VA Loans are available up to $633,750 with zero downpayment. The San Jose VA Loan Limit in 2010 is $633,750. However, Veterans are not limited to the San Jose Loan limit of $633,750 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

San Jose Conforming Loans are available up to $729,750. The San Jose Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $729,750) require a minimum of 10% downpayment or equity.

San Jose is located in Northern California in the San Francisco Bay Area. It is home to Silicon valley and is the County Seat for Santa Clara County.

Here are some links to local San Jose information:

• San Jose City Website


• San Jose Crime Maps


• San Jose Statistics, Demographics, & Info


• San Jose Real Estate


• San Jose School info


• San Jose Wiki

San Jose Home Loan information

FHA Home loans in San Jose, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)


• The $729,750 is the base loan amount - the San Jose FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in San Jose, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $633,750


• A $800K San Jose Home Purchase would only require $41,562 downpayment (5.2%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in San Jose, California:

• Available up to $729,750 with the Conforming High Balance (aka conforming Jumbo)


• San Jose Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Jose, San Diego, San Francisco, Oceanside, Vista, Escondido, Fallbrook, Bonsall, San Marcos, Rancho Bernardo, Poway, Santa Clara, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

San Diego VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California- VA Lender & FHA Lender

San Diego VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California- VA Lender & FHA Lender.VanDyk Mortgage is your source for VA Loans and FHA Loans in San Diego. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for San Diego Homebuyers and San Diego Homeowners to Purchase and refinance homes in San Diego.

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

San Diego FHA Loans are available up to $697,500 with just 3.5% down payment. The FHA 2010 Loan Limit for San Diego is $697,500. San Diego FHA Loans that are over $417K up to $697,500 are called FHA Jumbo or FHA High Balance loans.

San Diego VA Loans are available up to $437,500 with zero downpayment. The San Diego VA Loan Limit in 2010 is $437,500. However, Veterans are not limited to the San Diego Loan limit of $437,500 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

San Diego Conforming Loans are available up to $697,500. The San Diego Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $697,500) require a minimum of 10% downpayment or equity.

San Diego is located at the southern most point in California. San Diego, California has many few miles of Pacific Ocean beaches and enjoys near perfect Weather year round.

Here are some links to local San Diego information:

• San Diego City Website


• San Diego Crime Maps


• San Diego Statistics, Demographics, & Info


• San Diego Real Estate


• San Diego School info


• San Diego Wiki

San Diego Home Loan information

FHA Home loans in San Diego, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $697,500 (aka FHA High Balance)


• The $697,500 is the base loan amount - the San Diego FHA Loan Limit of $697,500 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for a FHA Home Loan is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in San Diego, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $437,500


• A $500K San Diego Home Purchase would only require $15,625 downpayment (3.13%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in San Diego, California:

• Available up to $697,500 with the Conforming High Balance (aka conforming Jumbo)


• San Diego Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Diego, San Diego, San Diego, Oceanside, Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, San Diego, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

San Marcos VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender - California

San Marcos VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender - California. VanDyk Mortgage is your source for VA Loans and FHA Loans in San Marcos. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for San Marcos Homebuyers and San Marcos Homeowners to Purchase and refinance homes in San Marcos.

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

San Marcos FHA Loans are available up to $697,500 with just 3.5% down payment. The FHA 2010 Loan Limit for San Marcos is $697,500. San Marcos FHA Loans that are over $417K up to $697,500 are called FHA Jumbo or FHA High Balance loans.

San Marcos VA Loans are available up to $437,500 with zero downpayment. The San Marcos VA Loan Limit in 2010 is $437,500. However, Veterans are not limited to the San Marcos Loan limit of $437,500 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

San Marcos Conforming Loans are available up to $697,500. The San Marcos Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $697,500) require a minimum of 10% downpayment or equity.

San Marcos is located in North County San Diego in California. It has just a few miles from Pacific Ocean beaches, and is located just east of Vista, Carlsbad borders to the south & southwest, San Diego County to the North, Elfin Forest and Harmony Grove to the South, and Escondido to the East.

Here are some links to local San Marcos information:

• San Marcos City Website


• San Marcos Crime Maps


• San Marcos Statistics, Demographics, & Info


• San Marcos Real Estate


• San Marcos School info


• San Marcos Wiki

San Marcos Home Loan information

FHA Home loans in San Marcos, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $697,500 (aka FHA High Balance)


• The $697,500 is the base loan amount - the San Marcos FHA Loan Limit of $697,500 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for a FHA Home Loan is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in San Marcos, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $437,500


• A $500K San Marcos Home Purchase would only require $15,625 downpayment (3.13%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in San Marcos, California:

• Available up to $697,500 with the Conforming High Balance (aka conforming Jumbo)


• San Marcos Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

San Marcos Zip codes include 92069 and 92078. San Marcos Area codes include the 760 area code and 442 area code.

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Diego, San Marcos, San Marcos, Oceanside, Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, San Marcos, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

Encinitas FHA & VA Direct Lender - VA, FHA, Conf, Jumbo Home Loans And Mortgages -Encinitas, CA

Encinitas VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender.VanDyk Mortgage is your source for VA Loans and FHA Loans in Encinitas. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Encinitas Homebuyers and Encinitas Homeowners to Purchase and refinance homes in Encinitas.

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

Encinitas FHA Loans are available up to $697,500 with just 3.5% down payment. The FHA 2010 Loan Limit for Encinitas is $697,500. Encinitas FHA Loans that are over $417K up to $697,500 are called FHA Jumbo or FHA High Balance loans.

Encinitas VA Loans are available up to $437,500 with zero downpayment. The Encinitas VA Loan Limit in 2010 is $437,500. However, Veterans are not limited to the Encinitas Loan limit of $437,500 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Encinitas Conforming Loans are available up to $697,500. The Encinitas Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $697,500) require a minimum of 10% downpayment or equity.

Encinitas is located in North County San Diego in California. It has several miles of Pacific Ocean beaches, and is located just north of Solano Beach and Carlsbad is just to the North, and borders Rancho Santa Fe on the east side.

Here are some links to local Encinitas information:

• Encinitas City Website


• Encinitas Crime Maps


• Encinitas Statistics, Demographics, & Info


• Encinitas Real Estate


• Encinitas School info


• Encinitas Wiki

Encinitas Home Loan information

FHA Home loans in Encinitas, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $697,500 (aka FHA High Balance)


• The $697,500 is the base loan amount - the Encinitas FHA Loan Limit of $697,500 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for a FHA Home Loan is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Encinitas, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $437,500


• A $500K Encinitas Home Purchase would only require $15,625 downpayment (3.13%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in Encinitas, California:

• Available up to $697,500 with the Conforming High Balance (aka conforming Jumbo)


• Encinitas Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

Encinitas Zip codes include 92024. Encinitas Area codes include the 760 area code and 442 area code.

Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for you. Visit us on the web at www.vandykfunding.com

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Diego, Encinitas, San Marcos, Oceanside, Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

Carlsbad CA VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender California

Carlsbad, CA - VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender.VanDyk Mortgage is your source for VA Loans and FHA Loans in Carlsbad. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Carlsbad Homebuyers and Carlsbad Homeowners to Purchase and refinance homes..

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)


• Jumbo Loans to $3m

Carlsbad FHA Loans are available up to $697,500 with just 3.5% down payment. The FHA 2010 Loan Limit for Carlsbad is $697,500. Carlsbad FHA Loans that are over $417K up to $697,500 are called FHA Jumbo or FHA High Balance loans.

Carlsbad VA Loans are available up to $437,500 with zero downpayment. The Carlsbad VA Loan Limit in 2010 is $437,500. However, Veterans are not limited to the Carlsbad Loan limit of $437,500 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Carlsbad Conforming Loans are available up to $697,500. The Carlsbad Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $697,500) require a minimum of 10% downpayment or equity.

Carlsbad is located in North County San Diego in California. It has several miles of Pacific Ocean beaches, and is located just north of Encinitas, borders Oceanside in the North, Vista & San Marcos to the east.

Here are some links to local Carlsbad information:

• Carlsbad City Website


• Carlsbad Crime Maps


• Carlsbad Statistics, Demographics, & Info


• Carlsbad Real Estate


• Carlsbad School info


• Carlsbad Wiki

Carlsbad Home Loan information

FHA Home loans in Carlsbad, California:

• FHA Home Loans require just 3.5% downpayment


• FHA Jumbo Loans up to $697,500 (aka FHA High Balance)


• The $697,500 is the base loan amount - the Carlsbad FHA Loan Limit of $697,500 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)


• The Seller can pay up to 3% of your closing and settlement costs.


• Minimum score for a FHA Home Loan is just 620, even on FHA High balance or FHA Jumbo.


• You can receive a gift of funds for your Downpayment and closing costs from Family


• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.


• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Carlsbad, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $437,500


• A $500K Carlsbad Home Purchase would only require $15,625 downpayment (3.13%) - not including the VA Funding Fee


• VA Loans require no Mortgage Insurance


• VA Loans do require a VAFF (VA Funding Fee), which is usually financed


• Veterans with a 10% or higher VA disability pay no VA Funding fee


• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in Carlsbad, California:

• Available up to $697,500 with the Conforming High Balance (aka conforming Jumbo)


• Carlsbad Conforming loans available up to $417,000


• require a minimum of 10% downpayment or up to 90% LTV


• Allow for condominiums, Second Homes, and investment properties


• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

Carlsbad Zip codes include 92007, 92008, 9209, 92010. Carlsbad Area codes include the 760 area code and 442 area code.

Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for you. Visit us on the web at www.vandykfunding.com

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Diego, Carlsbad, San Marcos, Oceanside, Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more

Oceanside VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender, FHA Lender, Conforming Lender, Jumbo lender

Oceanside VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender.

VanDyk Mortgage is your source for VA Loans and FHA Loans in Oceanside. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.

We offer many loan programs for Oceanside Homebuyers and Oceanside Homeowners to Purchase and refinance homes in Oceanside.

• FHA & FHA Jumbo (aka High Balance)
• VA & VA Jumbo (aka High Balance)
• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)
• Jumbo Loans to $3m

Oceanside FHA Loans are available up to $697,500 with just 3.5% down payment. The FHA 2010 Loan Limit for Oceanside is $697,500. Oceanside FHA Loans that are over $417K up to $697,500 are called FHA Jumbo or FHA High Balance loans.

Oceanside VA Loans are available up to $437,500 with zero downpayment. The Oceanside VA Loan Limit in 2010 is $437,500. However, Veterans are not limited to the Oceanside Loan limit of $437,500 for VA Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Oceanside Conforming Loans are available up to $697,500. The Oceanside Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $697,500) require a minimum of 10% downpayment or equity.

Oceanside is located in North County San Diego in California. As the name implies, it has several miles of Pacific Ocean beaches, and is located just north of Carlsbad and Camp Pendleton is just to the North, and borders Vista on the east side.

Here are some links to local Oceanside information:

• Oceanside City Website
• Oceanside Crime Maps
• Oceanside Statistics, Demographics, & Info
• Oceanside Real Estate
• Oceanside School info
• Oceanside Wiki

Oceanside Home Loan information

FHA Home loans in Oceanside, California:

• FHA Home Loans require just 3.5% downpayment
• FHA Jumbo Loans up to $697,500 (aka FHA High Balance)
• The $697,500 is the base loan amount - the Oceanside FHA Loan Limit of $697,500 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for a FHA Home Loan is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Oceanside, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $437,500
• A $500K Oceanside Home Purchase would only require $15,625 downpayment (3.13%) - not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in Oceanside, California:

• Available up to $697,500 with the Conforming High Balance (aka conforming Jumbo)
• Oceanside Conforming loans available up to $417,000
• require a minimum of 10% downpayment or up to 90% LTV
• Allow for condominiums, Second Homes, and investment properties
• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

Oceanside Zip codes include 92049, 92051, 92052, 92054, 92056, 92057, 92058. Oceanside Area codes include the 760 area code and 442 area code.

Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for you. Visit us on the web at www.vandykfunding.com

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.

We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Diego, Oceanside, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more.