Robert Kiyosaki : Silver is the best hedge against inflation

Robert Kiyosaki : Gold has no value to it , unlike Silver which is an industrial precious metal it is used in cell phone cameras computers and most of the IT gadgets , today there is more gold on planet earth than there silver , Silver is a bargain today a year ago one ounce of gold could buy one ounce of silver today one ounce of gold could but 70 ounces of silver , it is fantastic....

Robert Kiyosaki on Goldseek radio 29 May 2010

From goldseek.com website :
Robert Kiyosaki is many things: an author of self-help books, an investor, a business man, as well as a motivational speaker. Without doubting though, Robert Kiyosaki is known best as the bestselling author of a series titled Rich Dad, Poor Dad. Robert Kiyosaki has become one of the leading voices in educating people in the area of developing their own personal finances. With twenty-six books in the Rich Dad series , Robert Kiyosaki has sold more than twenty-seven million books worldwide. His works have been translated in fifty-one different languages for markets in a hundred-and-one various countries across the world, eventually leading him to countless bestsellers lists across Asia, Australia, Europe, Mexico, and South America.

Robert Kiyosaki’s first book Rich Dad, Poor Dad was a sensational hit from the get go and has been on the New York Times best sellers list for six years as of November 2007. The sequel to Rich Dad, Poor Dad, Rich Dad’s Cashflow Quadrant also landed on New York Times best sellers as did a third book titled Rich Dad’s Guide to Investing . These three books were concurrently on top ten bestsellers for The Wall Street Journal, Business Week, USA Today, and The New York Times, which all just happen to report to Publisher’s Weekly. In reviewing publications of 2005, Publisher’s Weekly applauded Robert Kiyosaki and Rich Dad, Poor Dad for performing way beyond a publisher’s expectation. Robert Kiyosaki was also inducted in Amazon.com’s Hall of Fame in 2005, coming in the top twenty-five, at number twenty-three, just edging out the likes of such literary geniuses such as Tom Clancy and William Shakespeare (!). With all these accomplishments Robert Kiyosaki has become one of the most successful writers of motivational books of a financial nature.

The purpose and mission of Robert Kiyosaki is aimed to help people achieve economic success and stability. Robert Kiyosaki has a certain style in motivating, and his attitude towards money is defiant and pro-active. These values have found its way into his many books of the Rich Dad, Poor Dad series, and in their deliverance has helped many people understand how to make money work for them. Applying these learnt skills, which develops into financial literacy, and as Robert Kiyosaki believes, will create an understanding of how to use money in the real world. Concepts and attitudes, along with definitions of words such as wealth and assets, determines how somebody handles money, and the way Robert Kiyosaki understands it, if somebody has the right attitude and defines such key words properly than anyone will be on the right track in achieving financial success. Robert Kiyosaki stresses this point severely because he believes that if people learn how money works through various processes such as accounting, law, etc, people will have the right idea of how all money in the world is earned and spent. Robert Kiyosaki reinforces these ideas in a series of board game he has called Cashflow which has for its main theme things concerned with how all money in the world is made, created, spent, and accumulated.

If people would learn these skills they would understand how money works in the real world and would avoid falling into debt at an early stage in life. Furthermore, Robert Kiyosaki argues that the way people define such words as wealth and assets relates to how these people achieve financial security. Robert Kiyosaki believes that people think of assets as things like big screen televisions, cars and homes when really they are liabilities, expenses that eat into your income and in turn do not make any money. Robert Kiyosaki’s definition of assets is that assets are things that earn money, that generate income, and put money into your pocket, and not expensive, luxury, or material goods. So naturally Robert Kiyosaki believes that learning these skills a young age will go along way in developing an attitude that will make you smart about money and achieve wealth.

Robert Kiyosaki has teamed up with Sharon Lechter in the writing of the Rich Dad, Poor Dad books, and his wife Kim Kiyosaki in the Rich Dad, Poor Dad Corporation. All three of them, Robert Kiyosaki, Kim Kiyosaki, and Sharon Lechter are co-founders of the Rich Dad, Poor Dad Corporation. Mrs. Kiyosaki has developed her own line of Rich Women, Poor Women which expresses many of the exact same views of Robert Kiyosaki’s Rich Dad, Poor Dad but in a different way, directed towards a different audience. Much of the success of the Rich Dad, Poor Dad Corporation is based on the reinforcement of financial principles, thus the Rich Dad, Poor Dad Corporation concepts and attitudes towards money are all expressed complimentary throughout all the different product lines. All the products mentioned up to now include all of Robert Kiyosaki’s Rich Dad, Poor Dad twenty-six books, the Rich Women, Poor Women series, and the Cashflow board games , but the Rich Dad, Poor Dad Corporation also has an series of books that are more technical in nature but are meant to be comprehended easily and to provide an advisory account of different topics, not to mention the series of audio and visual products such as tapes, CDs, and DVDs and software.

As Robert Kiyosaki and Rich Dad, Poor Dad Corporation’s main area of expertise is in the financial world, and their major talent and success is that of educating the masses, it then would not be surprising to see them on many television shows, as radio guests on different radio shows, and of course their own lectures and events. All this positive exposure to the products of the Rich Dad, Poor Dad Corporation has lead to a vast subculture, a community of likeminded people sharing the same dream of financial success and security, and who are all willing to take the necessary actions to begin their pursuit. So it should be of no shock that Robert Kiyosaki teamed up with one of the most famous and successful real estate tycoons, Donald Trump in 2007 to co-write a book titled, Why We Want You To Be Rich , which tackles questions and fears that are arising in this time of economic uncertainty. With this community of followers, of believers in Robert Kiyosaki’s financial philosophies, than it should be of no surprise that Robert Kiyosaki will continue to be a source of inspiration in the pursuit of financial freedom for years to come.

Gold May Reach $1,500 by Year End

Citigroup's Heap Says Gold May Reach $1,500 by Year End

May 28 (Bloomberg) -- Alan Heap, a commodity analyst at Citigroup Inc., talks with Bloomberg's Susan Li about his forecast for gold prices. Heap, speaking from Sydney, also discusses how Australia's proposed mining-profit tax might affect iron-ore and coking coal prices. (Source: Bloomberg)

Gold market manipulation discussed on the French Connection

OReilly vs. Weiner On Gold Controversy

May 24, 2010 — Bill calls New York congressman's focus on Beck's Goldline sponsor a 'witch hunt'

Hold On to Your Gold

FoxBusinessNetwork — May 24, 2010 — Eric breaks down why you must continue to invest in the precious metal.

Investors Pour Cash Into Gold, Treasuries

May 24, 2010 — FBN's Ashley Webster weighs in on market safe-havens.

GOLD and SILVER Robert Kiyosaki

Robert Kiyosaki and Mike Maloney talk about silver, gold.

Would you sell you Gold jewelry Now ?

Sears and Kmart launch program for customers to sell gold/silver jewelry, with CNBC\'s Jane Wells.

Chula Vista VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender.

Chula Vista 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 Chula Vista. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Chula Vista Homebuyers and Chula Vista 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

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

Chula Vista VA Loans are available up to $437,500 with zero downpayment. The Chula Vista VA Loan Limit in 2010 is $437,500. However, Veterans are not limited to the Chula Vista 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.

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

Here are some links to local Chula Vista information:

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

Chula Vista Home Loan information

FHA Home loans in Chula Vista, 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 Chula Vista 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 Chula Vista, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $437,500
• A $500K Chula Vista 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 Chula Vista, California:

• Available up to $697,500 with the Conforming High Balance (aka conforming Jumbo)
• Conforming Jumbo loans for Chula Vista require 10% downpayment (up to 90% ltv)
• Chula Vista Conforming loans available up to $417,000
• require a minimum of 5% downpayment or up to 95% LTV (up to $417,000)
• 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.

Chula Vista Zip codes include 91909, 91910, 91911, 91912, 91913, 91914, 91915, 91921. Chula Vista Area codes include the 619 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, San Marcos, Oceanside, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Escondido, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. We also service San Francisco, San Jose, Los Angeles, and all parts of California & Washington. 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.

For more information on Chula Vista VA loans and FHA Loans - check out:

http://www.vadirectlenders.com/

http://www.fhadirectlenders.com/

www.activerain.com/blogs/bskaar

Vandykmortgage.blogspot.com

Eurozone systemic risk may push gold higher: Citi

May 19, 2010 — In an exclusive interview with CNBC-TV18, Alan Heap, Managing Director, Global Commodity Analysis, Citi Investment Research, speaks about various commodities and gives his outlook going forward.

Gold Second Wave Upwards

Graham Bibby, CEO & CIO at Richmond Asset Management, says gold appears to be in a second wave upwards. He tells CNBC\'s Bernard Lo and Martin Soong, Karen Tso that he sees a bear trend in resource and financial stocks.

Gold to Hit $2,000?

Robert McEwen, chairman of U.S. Gold, a gold exploration company, tells CNBC he expects the precious metal to hit $2,000.

The Dollar vs The Gold

Ditch Dollars, Buy Gold

NEW YORK (TheStreet) -- Rick Rule, founder of Global Resource Investments, reveals why gold isn't a good investment but the best insurance against catastrophe.

FHA Flip rule - We allow FHA Flips per the FHA Flip Rule Waiver

FHA Flip rule - 1 day owned by seller OK

The Seller seasoning requirement on our FHA Loans is one day. That is correct, one day. While FHA has released guidance for lenders allowing the Flip Rule to be Waived for all Sellers until Feb 1, 2011, many lenders still require that sellers own a home for 90-180 days before it is eligible for their FHA Financing. We do not require these waiting periods for FHA Loans.

Seller Seasoning simply means how long the current owner has owned the property (as recorded on Title Records). Seller seasoning is also called Owner seasoning. The contract date must be after the date of acquisition for the seller, a redated contract is not allowable.

This is in complete alignment with the HUD guidelines for FHA Loans. The other lenders that have added restrictions are reducing the eligibility for Homebuyers to use FHA Loans to purchase homes from investors who may have purchased the home at a foreclosure auction, or direct from a bank. This opens the door for more homes to be eligible for safe, secure, and sound FHA financing. Many of these homes have been completely rehabilitated, making them a more desirable home to buy: they are Turn key homes.

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

Get started on your FHA Home loan with the FHA Loan Pros at VanDyk. Visit us at http://www.vandykfunding.com/ to apply online, or call 760-752-4480 and ask for Brian Skaar.

There are some guidelines for FHA Flips under 90 days that will require some attention. If the home increased in price more than 20% from the sellers acquisition cost, the increase in price will need to be justified with renovation records, the sale must be arms-length (No Idendity of Interest between buyer and seller), multiple flipping within previous 12 months is a red flag, no assignment of contracts, property inspection may be required, and buyer's agent cannot be the seller of the home.

VanDyk Mortgage is a FHA Direct Lender offering FHA & FHA Jumbo Loans throughout our lending areas including California, Washington, Los Angeles, San Diego, Riverside, Temecula, Murrieta, Orange County, San Jose, San Francisco, Seattle, Puyallup, Auburn, Kent, Everett, Tacoma, and everything in between.

Uncertainty Pushes up Gold Prices

Victor Shum, senior principal with Purvin & Gertz, says that as uncertainty weighs, investors are holding back from buying oil and instead flocking to gold. He speaks to CNBC\'s Oriel Morrison and Sri Jegarajah about where the demand for oil is coming from.

Abu Dhabi Hotel Offers Gold-Bars From ATM at Market Rate

May 14 (Bloomberg) -- Bloomberg's Olivia Sterns reports on a gold-bar dispensing machine at an Abu Dhabi hotel.

MAX KEISER : Gold will shoot to 20000 dollar an ounce !

Max Keiser and Stacy Herbert predict the Gold to shoot to 200 dollars an ounce

Gold May Rise Above $1,300 in 2010 Dan Smith Says

May 12 (Bloomberg) -- Dan Smith, an analyst at Standard Chartered Plc, talks with Bloomberg's Erik Schatzker about the outlook for gold prices. Gold has advanced on doubts that an almost $1 trillion European Union loan package will be able to prevent Greeces sovereign debt crisis being repeated in other European states. (Source: Bloomberg)

Gold Trades Near Record on Debt Threat to Currencies

May 12 (Bloomberg) -- Bloomberg's Paul Gordon and Susan Li report on increased demand for gold. Gold traded near a record in Asia after surging to an all-time high yesterday on investor concern international financial support for indebted European states will depress currencies. Bullion for immediate delivery traded down 0.1 percent at $1,231.50 an ounce at 8:07 a.m. in Sydney after yesterday reaching a record $1,234.50. (Source: Bloomberg)

Rhodium the True Precious Metal 1000 times rarer than Gold

Rhodium is a 1000 times rarer than Gold

May 10, 2010 — Kitcos Jon Nadler on why the metal, which is a 1000 times rarer than gold, may be an investment gem.

The world is running out of Silver says Richard Daughty

Richard Daughty : Silver is the Biggest Screaming buy right now - Goldseek Radio

May 09, 2010 — Richard Daughty, who describes himself as "the angriest guy in economics, is writer/publisher of The Mogambo Guru economic newsletter and a general partner and COO for Smith Consultant Group, serving the financial and medical communities. Prior to joining Smith, Daughty was a financial adviser to American Express Financial Advisers in Clearwater, Florida. He holds an MBA in operations research from the University of South Florida and is a strong advocate for sound fiscal and monetary policy. His comments appear frequently in such fine publications as GoldSeek.com, the Daily Reckoning and Barrons.

Robert Kiyosaki : Silver Better Investment than Gold

Robert Kiyosaki : Gold has no value to it , unlike Silver which is an industrial precious metal it is used in cell phone cameras computers and most of the IT gadgets , today there is more gold on planet earth than there silver , Silver is a bargain today a year ago one ounce of gold could buy one ounce of silver today one ounce of gold could but 70 ounces of silver , it is fantastic....
Robert Kiyosaki has been saying for a long to collect silver assets. This business has no competition and is about building wealth. The automated system makes this MLM business very easy to do and to profit from.


From Wikipedia : Robert Toru Kiyosaki (born April 8, 1947) is an American investor, businessman, self-help author and motivational speaker. Kiyosaki is best known for his Rich Dad Poor Dad series of motivational books and other material published under the Rich Dad brand. He has written 15 books which have combined sales of over 26 million copies.[1] Although beginning as a self-publisher, he was subsequently published by Warner Books, a division of Hachette Book Group USA, currently his new books appear under the Rich Dad Press imprint. Three of his books, Rich Dad Poor Dad, Rich Dad's CASHFLOW Quadrant, and Rich Dad's Guide to Investing, have been on the top 10 best-seller lists simultaneously on The Wall Street Journal, USA Today and the New York Times. Rich Kid Smart Kid was published in 2001, with the intent to help parents teach their children financial concepts. He has created three "Cashflow" board and software games for adults and children and has a series of "Rich Dad" audio cassettes and disks. He also publishes a monthly newsletter

David Tice Recommends Precious Metals Stocks, Gold

May 6 (Bloomberg) -- David Tice, chief portfolio strategist for bear markets at Federated Investors Inc., talks with Bloomberg's Susan Li about the outlook for U.S. stocks and his investment strategy. (Source: Bloomberg)

What Greece Can Do With Gold - Adrian Ash

What Greece Can Do With Gold

NEW YORK (TheStreet) -- Adrian Ash, head of research for the BullionVault.com, says since it's illegal for Greece to sell its gold to help pay down its debt, the country could use gold as collateral to get its bailout money

Bullish on gold, may test previous highs: Microsec Commerze

May 03, 2010 — In an exclusive interview with CNBC-TV18, Shamik Bhose, Microsec Commerze, speaks about various commodities and gives his outlook going forward.

Gold Reaches New 2010 High Above $1,180

Gold Settles at New 2010 High Above $1,180

Gold hit a 2010 high above $1,180 an ounce Friday, gaining 1 percent as a widening euro zone sovereign debt crisis prompted investors to buy the metal asset in a flight to safety.

The precious metal has rallied almost 6 percent in April, its biggest one-month rise since November, as credit ratings downgrades of Greece, Spain and Portugal unleashed a wave of risk aversion, channeling money into gold.

Michael Daly, gold specialist at futures broker PFGBest, said that gold tends to outperform other commodities in times of crisis, and the currency of choice is gold for investors who worry about the viability of fiat currencies
Read More>>>

A look at how gold calls could be a better hedge against calamity than S&P puts, with Brian Stutland, Stutland Equities.

San Diego VA Loans and VA Home Mortgage Loans - VanDyk Mortgage - VA Lender.

San Diego VA Loans and VA Home Mortgage Loans - VanDyk Mortgage - VA Lender.

VanDyk Mortgage is your source for VA Loans in San Diego. We have been making
VA 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.

• VA & VA Jumbo (aka High Balance) for Purchase and Refinance
• VA Purchase Loans up to $1.5M
• VA Jumbo Refinance Loans to $1.5m

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.

Here are some links to more info on San Diego information, loans for buyers and sellers, etc:

San Diego Home Loan information

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

VA Loans can be used to Purchase and Refinance Condominiums in San Diego. The Approved VA Condo list is quite extensive, please call for details on the Condo you want to purchase or refinance. Check out our article on VA Condo Loans here.

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

Go with the Government Loan Pros, go with VanDyk. Visit us atwww.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your VA loan.

San Jose FHA Home Mortgage Loans - VanDyk Mortgage - FHA Lender

San Jose FHA Home Mortgage Loans - VanDyk Mortgage - FHA Lender.

VanDyk Mortgage is your source for 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, and HUD Approval - 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

VA Loans can be used for Condominiums - Purchase and Refinance - Call for details - VA Condo Loans.

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 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, Oceanside, Vista, Escondido, Los Angeles, Rancho Bernardo, Poway, San Marcos, San Diego, San Francisco, Bay Area, Ventura, Riverside, San Bernardino, Santa Barbara, Carmel, Monterey, 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

VA Condo Loans -VA Loans to buy or refinance Condominiums

VanDyk Mortgage VA Condo Loans -VA Loans to buy or refinance Condominiums / Condo's.

VanDyk Mortgage is a VA Lender offering VA Loans to purchase or refinance Condominiums. The tightening credit market of the past couple years has wrought havoc on Condominiums as Conventional Agencies Fannie Mae & Freddie Mac have added many restrictions on Condos, both in the way of reduced eligibility and also increased rates for Condo's. FHA also recently changed it's rules for Condominium eligibility as well, making it even harder for Sellers and Listing Agents to sell Condo's.

In comes the VA to the rescue. To qualify for a VanDyk VA Condo Loan, the condo must be on the VA Approved Condo list, which includes many existing complexes. You can search for VA Approved Condos yourself or rely on us. The hard part is the Condo Association name may not appear in the VA Site, forcing us to use the homes Legal description to determine the VA Condo Eligibility. Simply call us so we can help research the Condo's Eligibility for a VA Loan.

VanDyk Mortgage offers VA financing on Condos with VA Loans up to $417,000 and we also offer VA Jumbo Loans for Condo's (up to theCounty VA Loan Limits). This includes Purchase, Refinance, and the popular VA IRRRL, or VA Streamline Refinance.

VanDyk does not require the seller to hold the property for 90 days like many other lenders. If the seller of record on the day of the purchase agreement matches, that fits within our rules. Another name for this is the Flip Rule, where many banks require a seller to be on Title for 90 days minimum, we only require 1 day.

We offer VA Loans for Condo's in California & Washington state. Condo's in cities like San Francisco, Oakland, Los Angeles, San Diego, San Jose, Seattle, Bellevue, Ventura, and Irvine can qualify for VA Condo Loans.

VA Flip Rules for California and Washington VA Loans

VA flip rules for California and Washington VA Loans

We just posted an article on our other VA Blog that covers our Owner Seasoning Rules AKA VA Flip Rule. VanDyk Mortgage only requires sellers to be on Title (owner of record) for one day prior to selling the home again. This is important, as many homes are bought direct from the big banks in bulk by Investors who fix up the homes and put them on the market for resale.

Many VA Lenders require a waiting period before the Home Can Qualify for a new VA Loan in this scenario. VanDyk Mortgage has no waiting period for a va loan after the prior sale.

We offer these on VA Condo's as well as using VA Loans and VA Jumbo Loans to purchase a single family home. We serve California, Washington, San Diego, Riverside, Temecula, Murrieta, Irvine, Los Angeles, Ventura, San Jose, San Francisco, Seattle, bellevue, redmond, and all parts in between for VA Loans.