Tuesday, August 31, 2010

Silver Investment $: 1.3 Billion Potential Chinese Investors WILL Push Silver Price UP

Why Silver Investment? China is pushing the idea of gold and silver investment to the general population in the way that Western television sells soap powder. If 1.3 billion Chinese citizens start buying silver, even in tiny quantities, imagine what that will do to the spot price in the near future! As more and more Chinese move into the cities and individual wealth grows, this trend is only likely to accelerate. Now, add the same figure of 1.3 billion people, wanting electric lights, cars, toasters computers mobile phones and everything else you and I take for granted. That's an incredible amount of silver supply needed in electronics to meet daily increasing demand. What do you think that will do to the silver price in the not too distant future? To learn more about silver and the great silver investment opportunity currently presenting itself worldwide,

Why Silver , Why Now ?

Why Silver Investment? Well there are a few very compelling and fundamental reasons actually. Our world is, quite literally, running out of silver. World demand for silver exceeds annual production and has every year since 1990 -- a total of 14 straight years! Above ground stockpiles of silver are low, shrinking rapidly and approaching zero. Since the end of WWII, for example, the U.S. government -- once the largest stockpiler of silver on the planet -- has dumped billions and billions of ounces of silver onto the world market, effectively depressing silver prices. Today, that government silver hoard is gone... and now the U.S. government is a buyer of silver.

Few primary silver mines are operating due to currently low silver prices -- approximately 75% of newly mined silver is actually a by-product of base metal mining of lead, tin, copper and zinc. Reopening abandoned primary silver mines or developing new mines is a timely and costly process, and is unlikely to occur until silver prices stabilize at a considerably higher price per oz., according to natural resource expert John Myers, editor of widely-read newsletters, "Outstanding Investments" and "Resource Trader Alert".

Monday, August 30, 2010

Gold Prices Look To Jobs

NEW YORK (TheStreet) -- Jeffrey Friedman, senior market strategist at Lind-Waldock, reveals how he's trading gold ahead of the U.S. nonfarm payroll report on Friday.

Mon 08/30/10 11:37 AM EST -- Alix Steel

Stocks in this video: SGOL | GLD | SIVR | IAU | SLV

Mike Maloney Why Silver Investment

Why Silver Investment? In 1980, it took 1000oz of silver to buy a single family median price home, that day will come again but it's probably going to be less than 500oz. This opportunity isn't going to last for long...there are these brief moments that go by, as far as historic time, they go by in the blink of an eye...where the safest place to be, the place where people run to, to protect their financial well being during economic crisis, gold and silver, they have been the safe haven for your finances for 5000 years. And there are these brief moments in history where they simultaneously become the asset class that has the single greatest gains in absolute purchasing power...and we're in one of those RIGHT NOW." - Mike Maloney

Sunday, August 29, 2010

The Silver Shortage Will Come - Israel Friedman

The Silver Shortage Will Come - Israel Friedman

Using your VA Home Loan Benefit in Los Angeles -part 2 - refinance your home with a VA Loan

Using your VA Home Loan Benefit in Los Angeles -part 2 - refinance your home with a VA Loan

The VA Home Loan benefit is a great opportunity for Los Angeles Veterans and Active Duty Military to refinance a LA home or Los Angeles condo. We thought it would be a good idea to quickly review the benefits of VA Loans, and a few ways to use them to your benefit.

VA Loans require zero downpayment up to $593,750 in Los Angeles, throughout Los Angeles County.

VA Refinance Loans - available up to 90% of your homes value
VA Jumbo Refinance Loans - also available up to 90% of your homes value with corresponding amount of home equity. these are also know as VA High Balance loans.
VA IRRRL Streamline Refinance Loans - Refinance into a lower rate with reduced documentation requirements, up to $1.5M in Los Angeles.

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

Here are a few ways to use your VA home loan Benefit in Los Angeles to purchase a home:

VA Loan to Refinance a single family home with up to $417K loan amount with no PMI
VA Jumbo Loan to Refinance a home up to a $593,750 loan amount no MI required.
VA Loan to refinance a Condo in Los Angeles - up to $417,000 loan amount no MI required.
VA Jumbo Loan to refinance your Los Angeles Condo up to $593,750 loan amount with no MI required.
VA Jumbo Loan to Refinance a $750,000 home in Los Angeles with a loan amount up to $675K with no MI
VA Jumbo Loan to Refinance a $1M home in Los Angeles with a loan amount up to $900K with no MI
Refinance your current VA Loan or VA Jumbo Loan using the VA IRRRL Streamline Refinance - Market rates are the lowest on record - Call for today's rates, they will surprise you.
Use a VA refinance to refinance out of an Adjustable Rate Mortgage - Up to 90% loan to value - with zero Mortgage Insurance required.
Use a VA refinance to consolidate your first and second mortgage with no extra charge to interest. This consolidation is considered Cash Out for Conforming Loans and has additional restrictions, VA Allows this up to 90% LTV.
Use the VA Jumbo Loan to take advantage of the lowest 30 year fixed rates on Record (call for actual rates, they will shock you). Available up to $1.5M in Los Angeles with a suitable combination of Equity and guarantee. Check out some actual VA Jumbo Loan Refinance scenario's here.

VA Home Loan info for 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
VA Loans are not just for first time homebuyers
VA Jumbo Loans are offered at competitive rates that will surprise you, in a good way.
Sellers can pay up to 4% of the VA Buyers closing costs
VA Loans can be used to purchase VA Approved Condominiums with zero down

VanDyk is your source for VA backed Condo loans. We also do not have a waiting period for "flips". This is often called the Flip Rule or VA Flip Rule. VanDyk does not require the seller of a property to wait 90 days before allowing a VA buyer to purchase the property, only 1 day.

VanDyk Mortgage is a Proud VA Direct Lender. VanDyk Mortgage has been making FHA & VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. Go with the Government Loan Pros, go with VanDyk. Visit us at http://www.vandykfunding.com/ or call Brian Skaar direct at 760-752-4480 for help with your VA or FHA loan.

We serve the entire states of California and Washington for VA Loans, including Los Angeles, San Francisco, Pasadena, Long Beach, San Jose, San Diego, Huntington Beach, Anaheim, Orange, Santa Ana, Oakland, Fresno, Bakersfield, Riverside, Lancaster, Sacramento, Seattle, Tacoma, Spokane, and everything in between.

Here is a link to part one of our series: Using your VA loan benefit to purchase a home in Los Angeles

UsUsing your VA Home Loan Benefit in Los Angeles, part 1 - Purchase a home

Using your VA Home Loan Benefit in Los Angeles, part 1 - Purchase a home

The VA Home Loan benefit is a great opportunity for Los Angeles Veterans and Active Duty Military to purchase a LA home or condo. We thought it would be a good idea to quickly review the benefits of VA Loans, and a few ways to use them to your benefit.

VA Loans require zero downpayment up to $593,750 in Los Angeles, throughout Los Angeles County.

VA Loans - zero downpayment required up to $417,000
VA Jumbo Loans - zero downpayment required up to $593,750 in LA (aka VA High Balance)
VA Jumbo Loans up to $1.5M (with downpayment)

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

Here are a few ways to use your VA home loan Benefit in Los Angeles to purchase a home:

VA Loan to Purchase a single family home up to $417K with zero downpayment and no MI
VA Jumbo Loan to Purchase a home up to $593,750 with zero downpayment and no MI
VA Loan to purchase a Condo in Los Angeles - up to $417K with zero downpayment or MI
VA Jumbo Loan to purchase a Condo in Los Angeles - up to $593,750 with zero downpayment and no MI required.
VA Jumbo Loan to purchase a $750,000 home in Los Angeles with just a $39,062 downpayment required (5.21%)
VA Jumbo loan to purchase a $825,000 home with just $57,812 (7.01%) downpayment in Los Angeles
VA Jumbo loan to purchase a $1.1M Los Angeles home with just $126,562 (11.51%) downpayment and no MI (mortgage insurance)

VA Jumbo Loan rates are currently at the lowest 30 year fixed rates on Record (call for actual rates, they will shock you). VA Jumbo's are available up to $1.5M in Los Angeles with a suitable combination of Equity and guarantee. Check out some actual VA Jumbo Loan Purchase scenario's here.

VA Home Loan info for Los Angeles, California:

Active Duty Military and Veterans can both qualify
100% financing up to $593,750
Available up to $1.5M with suitable downpayment/Equity in home
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
VA Loans are not just for first time homebuyers
VA Jumbo Loans are offered at competitive rates that will surprise you, in a good way.
Sellers can pay up to 4% of the VA Buyers closing costs
VA Loans can be used to purchase VA Approved Condominiums with zero down

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar direct at 866-900-2342 for help with your VA loan. We serve the entire state of California plus Washington state, including: 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, Corona, Riverside, Rancho Bernardo, Poway, San Marcos, Carmel, Monterey, Santa Barbara, Santa Cruz, and all areas in between.

VA Jumbo Purchase Loans - Filling in the gaps that Conventional loan don't serve.

VA Jumbo Purchase Loans - Filling in the gaps that Conventional loan don't serve.

This sounds a little backwards from what you may have thought, seen or heard in the past about VA Loans, specifically VA Purchase Loans. VA now allows higher loan amounts up to $1,500,000, and VanDyk Mortgage offers these throughout California and Washington.

Conventional Loans require more equity for Jumbo loan amounts over $417,000 for purchase of a home or condo than typical VA requirements. True Jumbo Conventional Loans require at least 20% down payment to purchase a home, and more if you exceed $1m. The VA Jumbo loan allows Veteran purchasers many options for reduced downpayments vs conventional options.

VA Jumbo rates are typically lower than True Jumbo Rates on 30 year fixed rate loans. Call for an updated quote today - 760-752-4480.

There are a couple scenarios below of how VA Jumbo Loans can help Jumbo Borrowers who are Veterans or Active Duty Military Personnel in the purchase of a home:

Scenario 1. You want to buy a home for $1m in San Francisco. A conventional loan will require at least 20% downpayment, You have the money, but would prefer to keep it in the market to recapture what you have lost in the last couple years. In comes the VA Jumbo loan to the rescue. Since the county limit is $962,500 in San Francisco, we can offer a VA Jumbo loan up to $990,625 with just $9,375 down payment (yes, under 1% down). Our VA jumbo loans are typically a 30 year fixed rate, and never a prepayment penalty. Problem Solved! How about putting $9k vs 200K down. and getting a better rate sound?

Scenario 2. You want to buy a home in Long Beach for $900K. Since the county limit is $593,750 for a Los Angeles VA Loan, and VanDyk allows VA loans over the county limit, Our VA Jumbo Purchase loan for Long Beach would only require a $76,562 downpayment (8.51%). Problem solved.

Scenario 3. You want to buy a home in Oakland for $900K. Since the county limit is $962,500 for an Oakland or Alameda county VA Loan, your VA Jumbo Purchase loan for Oaklandwould only require zero downpayment. Conventional loans would require 20% in Oakland, and FHA loans cap out at $729,750. Problem solved for our Veteran.

Scenario 4. You want to buy a home for $1.65m in San Francisco. A conventional loan will require at least 20% downpayment, In comes the VA Jumbo loan to the rescue. Since the county limit is $962,500 in San Francisco, we can offer a VA Jumbo loan up to $1.5M, with a $150K down payment (yes, under 10% down). Our VA jumbo loans are typically a 30 year fixed rate, and never a prepayment penalty. Problem Solved!

As you can see, working a VA Loan pro can really make a difference. Veterans have never had more options or ways to utilize their VA benefit to Purchase or Refinance their homes in California.

There are many more situations and scenarios that VA Loans can help whereas conventional loans may not. Please don't hesitate to contact us if you think your VA Benefit could help you a Refinance or Purchase your home.

Here is a recent post regarding the new VA Loan Limits 2010.

These examples show some of the ways that a VA Jumbo Loan can help, and in ways that many lenders don't offer. VanDyk Mortgage offers VA Jumbo Loans up to $1,500,000 in all areas that we service. Many VA Lenders limit VA Loans to the county limit for your area, or a max of $650K, VanDyk is not contained to these limits. Even in areas with a lower VA Loan Limit, we still offer the VA Loan up to $1,500,000, as long as there is a sufficient combination of entitlement and equity to meet the guideline of 25%.

You do need good credit for VA jumbo loans, and must be able to fully document your income, but that should come as no surprise in today's lending world.

We are your VA Jumbo Direct Lender and FHA Jumbo Direct Lender and we offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cashout refinance, FHA Rehab 203K, VA, Conforming &Jumbo Loans.

VA Jumbo Refinance loans offer solutions conventional loans simply don't allow.

VA Jumbo Refinance loans offer solutions conventional loans simply don't allow. This sounds a little backwards from what you may have thought, seen or heard in the past about VA Loans, specifically VA Refinance Loans. VA now allows higher loan amounts up to $1,500,000, and VanDyk Mortgage offers these throughout California and Washington.

Conventional Loans require more equity for Jumbo loan amounts over $417,000 for both rate/term refinance and cash out refinance than VA requirements. True Jumbo Conventional Loans require at least 20% equity in your home for refinance, more if you want cash out. The VA Jumbo loan allows Refinances up to 90% of your homes value in both cases, VA Refinance, and VA Cash-out refinance. The VA Loan also allows you to consolidate a first and second mortgage with no penalty to rate or fees.

VA Jumbo rates are typically lower than True Jumbo Rates on 30 year fixed rate loans. Call for an updated quote today - 760-752-4480.

There are a couple scenarios below of how VA Jumbo Loans can help Jumbo Borrowers who are Veterans or Active Duty Military Personnel.

Scenario 1. Your home is worth $1m, and you live in San Francisco. You have a ARM loan and owe $860,000. Conventional loans require more equity, at least 20%, this scenario only has 14% equity, so the bank tells you no. In comes the VA Jumbo loan to the rescue. Since the county limit is $962,500 in San Francisco, and you have atleast 10% equity in your home, we can offer you a VA Jumbo Loan can refinance this loan up to $900K. The VA jumbo loans are typically a 30 year fixed rate, and never a prepayment penalty. Problem Solved!

Scenario 2. You live in Los Angeles, your home is worth $900K, and you owe $790K on your current loan, which is adjustable rate or higher interest fixed rate (over 5.3%). You want to get a fixed rate while the rates are good. You call the big bank. They tell you that you don't have enough equity in your home to refinance, you only have 12% equity, far below their 20% requirement. Once again, the VA Jumbo comes to the rescue for Veterans. Since the county limit is $593,750 for a Los Angeles VA Loan, and VanDyk allows VA loans over the county limit with an appropriate combination of entitlement and equity, we are able to offer you a new VA Jumbo 30 yr Fixed rate mortgage for this scenario. The new loan can be up to $810K, or 90% of the appraised value with your new Jumbo VA loan. Problem solved.

Scenario 3. You live in San Diego, your home is worth $750K. You have a first mortgage is $550K , and you have a second mortgage of $90K that you used to upgrade your home, and enhance it's value. A conventional jumbo loan will consider this a Cash-Out transaction due to the second mortgage being paid off, and you will be limited to a maximum of 65% Loan to Value or LTV. This won't work, as you are at 85.33% LTV. In comes the VA Jumbo to the rescue. Since the San Diego County VA Loan Limit is $437,500, and you have some equity in your home, we can combine the first mortgage and the second mortgage into one VA Jumbo 30 year fixed rate Loan, and you have sufficient entitlement and equity to meet the base guideline of 25% guarantee. Problem solved.

Scenario 4. You live in San Diego, your home is worth $1 Million. You have a first mortgage owing $860K. The conforming Jumbo limit is $697,500 in San Diego, so that won't help. The FHA loan loan limit in San Diego County is also $697,500, not helping either. A conventional jumbo loan will require atleast 20% equity in your home. This won't work either, you are at 85.33% LTV. In comes the VA Jumbo to the rescue. Since the San Diego County VA Loan Limit is $437,500, and you have some equity in your home, we can combine the first mortgage and the second mortgage into one VA Jumbo Loan for as much as $880K, since you have sufficient entitlement and equity to meet the base guideline of 25% guarantee. Problem solved.

As you can see, working a VA Loan pro can really make a difference. Veterans have never had more options or ways to utilize their VA benefit to Purchase or Refinance their homes in California.

Here is a recent post regarding the new VA Loan Limits 2010.

You do need good credit for VA jumbo loans, and must be able to fully document your income, but that should come as no surprise in today's lending world.

Use your VA Home Loan Benefit in Orange County -part 2 - refinance your home with a VA Loan

Use your VA Home Loan Benefit in Orange County -part 2 - refinance your home with a VA Loan

The VA Home Loan benefit is a great opportunity for Orange County Veterans and Active Duty Military to refinance an OC home or Orange County condo. We thought it would be a good idea to quickly review the benefits of VA Loans, and a few ways to use them to your benefit.

VA Loans require zero downpayment up to $593,750 in Orange County.

VA Refinance Loans - available up to 90% of your homes value
VA Jumbo Refinance Loans - also available up to 90% of your homes value with corresponding amount of home equity. these are also know as VA High Balance loans.
VA IRRRL Streamline Refinance Loans - Refinance into a lower rate with reduced documentation requirements, up to $1.5M in Orange County.

However,Veterans are not limited to the Orange County Loan limit of $593,750 for VA Loans. We offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25% of the loan amount. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Here are a few ways to use your VA home loan Benefit in Orange County to refinance a home:

VA Loan to Refinance a single family home with up to $417K loan amount with no PMI (90% ltv)
VA Jumbo Loan to Refinance a home up to a $593,750 loan amount no MI required. (90% ltv)
VA Loan to refinance a Condo in Orange County - up to $417,000 loan amount no MI required.
VA Jumbo Loan to refinance your Orange County Condo up to $593,750 loan amount with no MI required.
VA Jumbo Loan to Refinance a $750,000 home in orange County with a loan amount up to $675K with no MI
VA Jumbo Loan to Refinance a $1M home in Orange County with a loan amount up to $900K with no MI
Refinance your current VA Loan or VA Jumbo Loan using the VA IRRRL Streamline Refinance - Market rates are the lowest on record - Call for today's rates, they will surprise you.
Use a VA refinance to refinance out of an Adjustable Rate Mortgage - Up to 90% loan to value - with zero Mortgage Insurance required.
Use a VA refinance to consolidate your first and second mortgage with no extra charge to interest. This consolidation is considered Cash Out for Conforming Loans and has additional restrictions, VA Allows this up to 90% LTV.
Use the VA Jumbo Loan to take advantage of the lowest 30 year fixed rates on record (call for actual rates, they will shock you). Available up to $1.5M in Los Angeles with a suitable combination of Equity and guarantee. Check out some actual VA Jumbo Loan Refinance scenario's here.

VA Home Loan info for Orange County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $593,750
A $825k Orange County 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
VA Loans are not just for first time homebuyers
VA Jumbo Loans are offered at competitive rates that will surprise you, in a good way.
Sellers can pay up to 4% of the VA Buyers closing costs
VA Loans can be used to purchase VA Approved Condominiums with zero down

Here is a link to part one of our series: Using your VA loan benefit to purchase a home in Orange County

Use your VA Home Loan Benefit in Orange County, part 1 - Purchase a home

Use your VA Home Loan Benefit in Orange County, part 1 - Purchase a home

The VA Home Loan benefit is a great opportunity for orange County Veterans and Active Duty Military to purchase an OC home or condo. We thought it would be a good idea to quickly review the benefits of VA Loans, and a few ways to use them to your benefit.

VA Loans require zero downpayment up to $593,750 in Orange County.

VA Loans - zero downpayment required up to $417,000
VA Jumbo Loans - zero downpayment required up to $593,750 in LA (aka VA High Balance)
VA Jumbo Loans up to $1.5M (with downpayment)

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

Here are a few ways to use your VA home loan Benefit in Orange County to purchase a home:

VA Loan to Purchase a single family home up to $417K with zero downpayment and no MI
VA Jumbo Loan to Purchase a home in Orange County up to $593,750 with zero downpayment and no MI
VA Loan to purchase a Condo in Orange County - up to $417K with zero downpayment or MI
VA Jumbo Loan to purchase a Condo in Orange County - up to $593,750 with zero downpayment and no MI required.
VA Jumbo Loan to purchase a $750,000 home in Orange County with just a $39,062 downpayment required (5.21%)
VA Jumbo loan to purchase a $825,000 home with just $57,812 (7.01%) downpayment in Orange County
VA Jumbo loan to purchase a $1.1M Orange County home with just $126,562 (11.51%) downpayment and no MI (mortgage insurance)

VA Jumbo Loan rates are currently at the lowest 30 year fixed rates on Record (call for actual rates, they will shock you). VA Jumbo's are available up to $1.5M in Orange County with a suitable combination of Equity and guarantee. Check out some actual VA Jumbo Loan Purchase scenario's here.

VA Home Loan info for Orange County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $593,750
Available up to $1.5M with suitable downpayment/Equity in home
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
VA Loans are not just for first time homebuyers
VA Jumbo Loans are offered at competitive rates that will surprise you, in a good way.
Sellers can pay up to 4% of the VA Buyers closing costs
VA Loans can be used to purchase VA Approved Condominiums with zero down

Check out part two of our series: how to use your VA benefit to Refinance in Orange County

Saturday, August 28, 2010

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.

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 at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your VA loan.

____

We serve the following areas for VA, FHA and Conventional loans: California,Southern California, Bakersifield, Bonita, Carlsbad, Chula Vista, Corona, Costa Mesa, Encinitas, Escondido, Fresno, Glendale, Huntington Beach, Irvine, Lake Elsinore, Long Beach, Los Angeles, Menifee, Monterey, Murrieta, National City, Oakland, Oceanside, Palm Springs, Palmdale,Poway, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Jose, San Marcos, San Mateo, San Dimas, Santa Barbara, Santa Monica,Temecula, Tulare, Ventura, Visalia, Vista, Wildomar. 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 offers competitive VA & VA Jumbo rates also, as we are a VA direct lender.

Long Beach VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender.

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

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

Long Beach VA Loans are available up to $593,750 with zero downpayment. The Long Beach VA Loan Limit in 2010 is $593,750. However, Veterans are not limited to the Los Angeles County Loan limit of $593,50 for VA Loans. We 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 .

Long Beach Conforming Loans are available up to $729,750. The Los Angeles county 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 Long Beach information:

Long Beach City Website

Long Beach Statistics, Demographics, & Info

Long Beach Real Estate

Long Beach School info

Long Beach Wiki

Long Beach visitor info

The Queen Mary - Hotel and Ship

Long Beach Home Loan information

FHA Home loans in Long Beach, 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 Long Beach 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 Long Beach, California:

Active Duty Military and Veterans can both qualify

100% financing up to $593,750

A $825k Long Beach 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 Long Beach, California:

Long Beach Conforming Jumbo Loans are available up to $729,750 with the Conforming High Balance (aka conforming Jumbo)

Long Beach Conforming Jumbo loans require a minimum of 10% downpayment or up to 90% LTV

Long Beach Conforming loans available up to $417,000

Conforming loans up to $417K require just 5% downpayment - up to 95% 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 loans 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. 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, 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.

Riverside VA Loan info - Riverside VA Lender

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

VA purchase Loans
VA Refinance Loans
VA IRRRL Streamline Refinance
VA Jumbo purchase Loans
VA Jumbo Refinance Loans
VA Jumbo IRRRL Streamline Refinance

VA Loans are available to purchase or refinance Condominiums too. Here is more information on VA Condo Loans for Riverside.

VA Jumbo Loans are also called VA High Balance Loans. These are VA Loans that are $417,001 and higher (up to $1.5M).

Riverside VA Loans are available up to $417,000 with zero downpayment. The Riverside VA Loan Limit in 2010 is $417,000. However, Veterans are not limited to the Riverside 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.

Here are some links to local Riverside information:

Riverside VA Home Loan information

VA Home Loans in Riverside, California:

Active Duty Military and Veterans can both qualify
100% financing up to $417,00
A $500K Riverside 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

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

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

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

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 VA loan. We offer VA, VA Jumbo, FHA, FHA Jumbo, Conforming & Jumbo Loans. 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).

VA Loan info - Riverside California VA Lender

VA Loan Info - Riverside, California VA lender

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

VA purchase Loans
VA Refinance Loans
VA IRRRL Streamline Refinance
VA Jumbo purchase Loans
VA Jumbo Refinance Loans
VA Jumbo IRRRL Streamline Refinance
VA Condo Loans

VA Jumbo Loans are also called VA High Balance Loans. These are VA Loans that are $417,001 and higher (up to $1.5M).

VanDyk Mortgage Allows VA Flips - IE no seller seasoning. Read our article on VA Flipping Rules here.

Here are some links to local Riverside information:

Riverside VA Home Loan information

VA Home Loans in Riverside, California:

Active Duty Military and Veterans can both qualify
100% financing up to $417,00
A $500K Riverside 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

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

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

Thursday, August 26, 2010

Gold rush in The Swiss alpine valleys

With gold prices soaring on global markets, demand for the precious metal has been growing over the past two years. Even Switzerland is experiencing a mini gold rush, with amateur prospectors flocking to the Upper Rhine region in the hope of striking it rich.

Wednesday, August 25, 2010

SILVER to $50 By 2012 Says Jim Turk

SILVER to $50 By 2012 Says Jim Turk. (ME quoting Turk) Max Keiser & Rand Paul weigh in too...

James Turk says SILVER will be at $30 by year's end 2010 and says he fully expects SILVER to reach $50 within two years. Then SILVER will finally enter "Stage 2" which GOLD now enjoys. At which point, it will be "the sky's the limit" for SILVER. Max Keiser tees up the JP Morgan fraud in the SILVER market. Alan Grayson interrogates on behalf of SILVER too. Finally, Rand Paul reminds us all why SILVER (and GOLD) will be needed in the days ahead. ***The material in this video is presented for educational purposes only, in the public news & information interest.***

End of the American Dream?

Existing home sales dropped 27 percent in July

Silver Shortage : Silver is facing extinction in our lifetime

Silver is running out, below ground as well

The figures used are not including any new large deposits as it's believed that with the technology we have now we have already discovered all the large easy deposits. Also have not changed the demand although it's evident that demand is increasing every year, price is the only thing that stands in it's way.

Some people believe that we are looking at a repeat of the 1980's with a blow off price in Silver but looking at the properties and supply and demand principles I see more.

I think we will have a top resistance point then a big sell off but after that it will pick up again and quickly. You see we will be flooded with scrap from individuals once the price is high, enough scrap to last for years and this will cause a big pull back but it won't take long for smart investors to realize that the next run could be even bigger as the fact is Silver is facing extinction in our lifetime.

Tuesday, August 24, 2010

Gold: Inflation and Deflation Hedge

Gerard Minack, global developed market strategist at Morgan Stanley, says gold is the only commodity that would cope well through both inflation and deflation. He tells CNBC's Oriel Morrison how investors can guard their portfolios against both risks, in this edition of Protect Your Wealth.

Monday, August 23, 2010

Hedge Funds Hurt Gold

Jon Nadler, senior analyst at Kitco.com, says increased hedge-fund buying is making the gold trade crowded.

Sun 08/22/10 09:00 AM EST -- Alix Steel

Stocks in this video: SGOL | GLD | SIVR | IAU | SLV

Sunday, August 22, 2010

Gold - A Brief History of the World's Most Precious Metal

Saturday, August 21, 2010

How Much Gold is in Fort Knox ?

who knows, no independent auditors appear to have had access to the reported $137 billion stockpile of brick-shaped gold bars in Fort Knox since the era of President Eisenhower.

Friday, August 20, 2010

SILVER BOOM ! Why Silver? Why Now? NIA Precious Metal Special Report

PRICE According to CPM
1900 the world was estimated to have 12 Billion Ounces
1990 fallen to 2.2 Billion ounces
2006 500 ounces
2009 300 ounces of available above ground silver

World Gold Council estimates about 5 B oz of above ground gold
1940 estimated 2 billion oz of above ground gold and silver was around 8-10 billion oz
world gold council has silver at 1 billion oz

U.S. Geological survey data indicates that below ground silver, in terms of supply/demand is LESS that any other industrial or precious metal.

Caesar Bryan Gold Equities are a Great Opportunity

Aug. 19 (Bloomberg) -- Caesar Bryan, manager of the Gamco Gold Fund, talks about gold stocks and the outlook for gold prices. He speaks on Bloomberg Television's "In the Loop With Betty Liu." (Source: Bloomberg)

Thursday, August 19, 2010

SILVER to rise to $436/oz and Beyond.

Esteemed economist John Williams from shadowstats.com and Peter Schiff discuss the merits of owning precious metals. Gold and silver as a hedge - as an insurance policy - against the increasingly certain, impending economic apocalypse. Williams cites $7,500 as being the CPIU inflation adjusted actual value of gold TODAY. $436/oz. is cited as the CPIU inflation adjusted value of Silver. Both agree the sky is the limit on precious metals as the Fed monetizes debt and the system as we know it begins to fall apart at the seams. God help us all. Buy silver and gold TODAY as some measure of protection for you and your family.

As an asset bubble, gold may burst after reaching $2,000

Kunal Bose
Business Standard.com
August 18, 2010

Investment guru Marc Faber is a zealot when it comes to promoting the cause of gold. The publisher of the celebrated newsletter Gloom, Boom and Doom is at the same time rubbishing the dollar and currencies of countries which go on printing notes in attempts to stimulate their economies. The contrarian investor often referred to as Doctor Doom has got another equally controversial investor Jim Rogers to keep company in celebration of gold at the expense of currencies.

So is not Faber happy that his favorite precious metal gold has once again moved beyond the $1,200 an ounce resistance level after moving sideways for a while? What should be a cause of particular delight for Faber and Rogers is that their unbounded enthusiasm to make the public, going beyond the high networth individuals to see the virtues of regularly adding gold to the investment portfolios when the developed economies look wobbly is seeing its denouement.

We in India continue to buy gold mostly in the form of jewelery. Therefore, the Indian consumer demand for gold surging hugely in the first quarter of this year to 193.5 tonnes could not have drawn inspiration from exhortations of Faber and Rogers. The craving for gold jewelery here is so strong that the Indian womenfolk just needed some time to get reconciled to high prices of the precious metal before resuming buying and with some abandon. The World Gold Council says gold jewelery demand in non-Western countries will continue to recover from the first quarter level of 470 tonnes.
Read full article

Wednesday, August 18, 2010

Scotiabank Puts Woman Through Hell To Get Her SILVER

UNBELIEVABLE NEWS: Scotiabank tries everything in its power to prevent an elderly woman suffering from cancer from turning in her paper silver certificates for physical silver. They do not want ANYONE showing up to claim their physical silver. WHY? Becuase it's on the record that banks only have ONE OUNCE of physical silver and gold in their vaults for every 100 ounces of paper claims. Judging by this pathetic story, it may be even worse than 100 to 1. Can you say Ponzi Scheme?

Tuesday, August 17, 2010

Gold Minting Process After Refining

Gold, silver, platinum,electronic scrap recycling and refining.

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