Federal Way WA - VA Loan and FHA Loan info page

Federal Way WA - VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - Washington VA Lender & FHA Lender

VanDyk Mortgage is your source for VA Loans and FHA Loans in Federal Way. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Federal Way Homebuyers and King County 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

Federal Way FHA Loans are available up to $567,500 with just 3.5% down payment. The FHA 2010 Loan Limit for Federal Way is $567,500. Federal Way FHA Loans that are over $417K up to $567,500 are called FHA Jumbo or FHA High Balance loans.

Federal Way VA Loans are available up to $481,250 with zero down payment required. The Federal Way VA Loan Limit in 2010 is $481,250. However, Veterans are not limited to the King County Loan limit of $481,250 for VA Loans in Federal Way. 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.

Federal Way Conforming Loans are available up to $567,500. The Federal Way Conforming Jumbo Loans (aka Conforming High Balance,those over $417,000 and up to $567,500) require a minimum of 10% downpayment or equity.

Federal Way Home Loan information

FHA Home loans in Federal Way, Washington:

• FHA Home Loans require just 3.5% downpayment
• FHA Jumbo Loans up to $567,500 (aka FHA High Balance)
• The $567,500 is the base loan amount - the Federal Way FHA Loan Limit of $567,500 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• Federal Way home buyers can purchase up to a $588K home with 3.5% down.
• 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 Federal Way, Washington:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $481,250
• A $500k Federal Way VA Home Purchase would only require $4,687 downpayment ( .94%) - not including the VA Funding Fee
• A $675k Federal Way VA Home Purchase would only require $48,437 downpayment (7.18%) - 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 for condos are available up to $481,250 with zero down

Conforming Home Loans in Federal Way, Washington:

• Available up to $567,500 with the Conforming High Balance (aka conforming Jumbo)
• Federal Way Conforming loans available up to $417,000
• require a minimum of 5% downpayment or up to 95% 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.

Give us a call at 866-900-2342 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 direct at 866-900-2342 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, VA, VA 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).

In addition to Federal Way , WA, we service the entire state of Washington, including Spokane, Spokane Valley, Mead, Newport, Liberty Lake, Newman Lake, Airway Heights, Deerpark, Seattle, Tacoma, Everett, Puyallup, Kent, Auburn, Bellevue, Federal Way, Kirkland, Redmond, Woodinville, Snohomish, Marysville, Lake Stevens, Mukilteo, Lynnwood, Montlake Terrace, Edmonds, Des Moines, Renton, Issaquah, North Bend, Monroe, Olympia, Lacey, Bremerton, Tumwater, Port Orchard, and Vancouver. In addition to Washington State, we service the entire state of California, including Redding, Sacramento, Bakersfield, Stockton, Oakland, San Francisco, Fremont, Clovis, Sunnyvale, Patterson, Modesto, Salinas, Palmdale, Lancaster, Los Angeles, Ventura, Santa Monica, San Bernardino, Riverside, Corona, Santa Ana, Orange, Irvine, Anaheim, Huntington Beach, Long Beach, Brea, Ventura, Santa Barbara, Monterey, Corona, Palm Springs, Indio, Temecula, Murrieta, San Diego, Chula Vista, Oceanside, Escondido, Vista, La Mesa, Santee, Santa Maria, Santa Clarita, San Clemente, Laguna, Aliso Viejo, Mission viejo, Rancho, Santa Margarita, Rancho Cucamonga, and more.

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

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:

1. VA Loan to Refinance a single family home with up to $417K loan amount with no PMI
2. VA Jumbo Loan to Refinance a home up to a $593,750 loan amount no MI required.
3. VA Loan to refinance a Condo in Los Angeles - up to $417,000 loan amount no MI required.
4. VA Jumbo Loan to refinance your Los Angeles Condo up to $593,750 loan amount with no MI required.
5. VA Jumbo Loan to Refinance a $750,000 home in Los Angeles with a loan amount up to $675K with no MI
6. VA Jumbo Loan to Refinance a $1M home in Los Angeles with a loan amount up to $900K with no MI
7. 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.
8. Use a VA refinance to refinance out of an Adjustable Rate Mortgage - Up to 90% loan to value - with zero Mortgage Insurance required.
9. 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.
10. 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

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.

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.

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.

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

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 Benefit info for California Veterans to buy Homes in CA

VA Loan Benefit Info for California Veterans and CA Active Duty Military to buy homes

California Veterans and CA Active Duty Military Personnel have access to higher VA guarantee limits than many other states. The higher VA Guarantee allows California Vets the opportunity to purchase a home with zero downpayment up to $962,500 in select Bay Area Counties such as San Francisco, San Mateo, Contra Costa, Marin, and Alameda. Los Angeles VA Loans are available up to $593,750 with no down payment.

We are also able to exceed the VA County VA Loan limit with downpayment of 25% of the difference between your purchase price and the VA loan limit for your area. VanDyk Mortgage is a proud VA Lender serving many states including California and Washington, and more. We are a VA Direct Lender.

In 2008, the US Congress authorized increases in the VA Loan Benefit by increasing the Entitlement available to Vets in higher cost areas. This allows us to write VA Loans that are guaranteed by the VA up to the full county loan limit with no downpayment for qualified Veterans.

We have compiled the California VA Loan limits for 2010 by county below. Here is a link to our complete list of all nationwide 2010 VA Loan Limits.

STATE COUNTY 2010 VA LIMIT

CA ALAMEDA $962,500

CA CONTRA COSTA $962,500

CA EL DORADO $418,750

CA LOS ANGELES $593,750

CA MARIN $962,500

CA MONO $512,500

CA NAPA $443,750

CA NEVADA $418,750

CA ORANGE $593,750

CA PLACER $418,750

CA SACRAMENTO $418,750

CA SAN BENITO $633,750

CA SAN DIEGO $437,500

CA SAN FRANCISCO $962,500

CA SAN LUIS OBISPO $487,500

CA SAN MATEO $962,500

CA SANTA CLARA $633,750

CA SANTA CRUZ $568,750

CA VENTURA $486,250

CA YOLO $418,750

Any county not listed is at $417,000 for the VA loan limit.

VA loans can be used to purchase condominiums up to your full benefit as well.

If you need a VA loan for a higher amount than your county loan limit, please call us. We do offer VA loans over the county loan limits for VA IRRRL Streamline Refinance (aka VA Streamline), Refinance and Purchase up to $1.5M. Call Brian Skaar at 760-752-4480 to get started.

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

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