Government Loan Pros - FHA, VA, and USDA Rural Home Loans: CA

Showing posts with label CA. Show all posts

Sunday, September 4, 2011

Ventura County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

Ventura County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in Ventura County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for Ventura County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

Ventura County VA Loans are available up to $562,500 with Zero down payment required. The Ventura County VA Loan Limit in 2011 is $562,500. We do not limit Veterans to the County Loan limit of $562,500 for Ventura County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in Ventura County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $562,500
A $562,500 Ventura County VA Home Purchase would only require a $3,125 down payment ( .54%) - not including the VA Funding Fee
A $650,000 Ventura VA Home Purchase would only require $21,875 down payment ( 3.37%) - not including the VA Funding Fee
A $825,000 Ventura VA Home or Condominium Purchase would require a $65,625 ( 7.95%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in Ventura county: Camarillo, Fillmore, Moorpark, Ojai, Oxnard, Port Hueneme, San Buenaventura, Santa Paula, Simi Valley, Thousand Oaks, Venturs, and all areas within the county as well.

San Mateo County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

San Mateo County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in San Mateo County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for San Mateo County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

San Mateo County VA Loans are available up to $1,000,000 with Zero down payment required. The San Mateo County VA Loan Limit in 2011 is $1,000,000. We do not limit Veterans to the County Loan limit of $1,000,000 for San Mateo County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in San Mateo County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $1,000,000
A $1,000,000 San Mateo County VA Home Purchase would only require a $25,000 down payment ( 2.27%) - not including the VA Funding Fee
A $1,225,000 San Mateo VA Home Purchase would only require $56,250 down payment ( 4.59%) - not including the VA Funding Fee
A $1,500,000 San Mateo VA Home or Condominium Purchase would require a $125,000 ( 8.33%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in San Mateo county: Atherton, Belmont, Brisbane, Burlingame, Colma, Daly City, East Palo Alto, Foster City, Half Moon Bay, Hillsborough, Menlo Park, Millbrae, Pacifica, Portola Valley, Redwood City, San Bruno, San Carlos, San Mateo, South San Francisco, Woodside, and all other areas within the county as well.

Santa Clara County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

Santa Clara County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in Santa Clara County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for Santa Clara County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Jumbo Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

Santa Clara County VA Loans are available up to $843,750 with Zero down payment required. The Santa Clara County VA Loan Limit in 2011 is $843,750. We do not limit Veterans to the County Loan limit of $843,750 for Santa Clara County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in Santa Clara County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $843,750
A $843,750 Santa Clara County VA Home Purchase would only require a $11,563 down payment ( 1.3 %) - not including the VA Funding Fee
A $975,000 Santa Clara VA Home Purchase would only require $32,813 down payment ( 3.37%) - not including the VA Funding Fee
A $1,200,000 Santa Clara VA Home or Condominium Purchase would require a $89,063 ( 7.42%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in Santa Clara county: Campbell, Cupertino, Los Altos, Los Gatos, Milpitas, Monte Sereno, Morgan Hill, Mountain View, Palo Alto, San Jose, Santa Clara, Saratoga, Sunnyvale, and all areas within the county as well.

Orange County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

Orange County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in Orange County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for Orange County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Jumbo Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

Orange County VA Loans are available up to $700,000 with Zero down payment required. The Orange County VA Loan Limit in 2011 is $700,000. We do not limit Veterans to the County Loan limit of $700,000 for Orange County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in Orange County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $700,000
A $700,000 Orange County VA Home Purchase would only require a $15,000 down payment ( 1.97%) - not including the VA Funding Fee
A $850,000 Orange VA Home Purchase would only require $37,500 down payment ( 4.41%) - not including the VA Funding Fee
A $975,000 Orange VA Home or Condominium Purchase would require a $68,750 ( 7.05%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in Orange county: Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, La Habra, Lake Forest, La Palma, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Ranch Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda, and all areas within the county as well.

Los Angeles County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

Los Angeles County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in Los Angeles County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for Los Angeles County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

Los Angeles County VA Loans are available up to $700,000 with Zero down payment required. The Los Angeles County VA Loan Limit in 2011 is $700,000. We do not limit Veterans to the County Loan limit of $700,000 for Los Angeles County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
If your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in Los Angeles County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $700,000
A $700,000 Los Angeles County VA Home Purchase would only require a $12,500 down payment ( 1.67%) - not including the VA Funding Fee
A $860,000 Los Angeles VA Home Purchase would only require $40,000 down payment ( 4.65%) - not including the VA Funding Fee
A $1,100,000 Los Angeles VA Home or Condominium Purchase would require a $100,000 ( 9.09%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in Los Angeles county: Agoura Hills, Alhambra, Arcadia, Artesia, Avalon, Azusa, Baldwin Park, Bell, Bellflower, Bell Gardens, Beverly Hills, Bradbury, Burbank, Calabasas, Carson, Cerritos, Claremont, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardenia, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada, La Canada Flintridge, La Habra, La Habra Heights, Lakewood, La Mirada, Lancaster, La Puente, La Verne, Lawndale, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sheman Oaks, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whitter, and all areas within the county as well.

San Francisco County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

San Francisco County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in San Francisco County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for San Francisco County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Jumbo Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

San Francisco County VA Loans are available up to $1,000,000 with Zero down payment required. The San Francisco County VA Loan Limit in 2011 is $1,000,000. We do not limit Veterans to the County Loan limit of $1,000,000 for San Francisco County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in San Francisco County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $1,000,000
A $1,000,000 San Francisco County VA Home Purchase would only require a $25,000 down payment ( 2.27%) - not including the VA Funding Fee
A $1,275,000 San Francisco VA Home Purchase would only require $68,750 down payment ( 5.39%) - not including the VA Funding Fee
A $1,500,000 San Francisco VA Home or Condominium Purchase would require a $125,000 ( 8.33%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

San Diego County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

San Diego County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in San Diego County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for San Diego County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Jumbo Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

San Diego County VA Loans are available up to $537,500 with Zero down payment required. The San Diego County VA Loan Limit in 2011 is $537,500. We do not limit Veterans to the County Loan limit of $537,500 for San Diego County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in San Diego County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $537,500
A $537,500 San Diego County VA Home Purchase would only require a $5,625 down payment ( 1. %) - not including the VA Funding Fee
A $650,000 San Diego VA Home Purchase would only require $28,125 down payment ( 4.33%) - not including the VA Funding Fee
A $850,000 San Diego VA Home or Condominium Purchase would require a $78,125 ( 9.19%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in San Diego county: Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, Escondido, Imperial Beach, La Jolla, La Mesa, Lemon Grove, Mira Mesa, National City, Oceanside, Poway,Rancho Penasquitos, Rancho Bernardo, San Diego, San Marcos, Scripps Ranch, Valley Center, Ramona, Santee, Solana Beach, Vista, Bonsall, Pala, Warner Springs, Alpine, Jamul, Spring Valley, Otai Mesa, East Lake, San Ysidro, Tierra Santa, and all areas within the county as well.

San Bernardino County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

San Bernardino County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in San Bernardino County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for San Bernardino County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

San Bernardino County VA Loans are available up to $417,000 with Zero down payment required. The San Bernardino County VA Loan Limit in 2011 is $417,000. We do not limit Veterans to the County Loan limit of $417,000 for San Bernardino County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in San Bernardino County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $417,000
A $417,000 San Bernardino County VA Home Purchase would only require a $10,750 down payment ( 2.34%) - not including the VA Funding Fee
A $580,000 San Bernardino VA Home Purchase would only require $40,750 down payment ( 7.03%) - not including the VA Funding Fee
A $725,000 San Bernardino VA Home or Condominium Purchase would require a $77,000 (10.62%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in San Bernardino county: Adelanto, Apple Valley, Barstow, Big Bear Lake, Chino, Chino Hills, Colton, Fontana, Grand Terrace, Hesperia, Highland, Loma Linda, Montclair, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, San Bernardino, 29 Palms, Upland, Victorville, Yucaipa, Yucca Valley, and all areas within the county as well.

Sacramento County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

Sacramento County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in Sacramento County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for Sacramento County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

Sacramento County VA Loans are available up to $417,000 with Zero down payment required. The Sacramento County VA Loan Limit in 2011 is $417,000. We do not limit Veterans to the County Loan limit of $417,000 for Sacramento County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in Sacramento County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $417,000
A $417,000 Sacramento County VA Home Purchase would only require a $14,500 down payment ( 3.05%) - not including the VA Funding Fee
A $625,000 Sacramento VA Home Purchase would only require $52,000 down payment ( 8.32%) - not including the VA Funding Fee
A $950,000 Sacramento VA Home or Condominium Purchase would require a $133,250 (14.03%) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and
VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in Sacramento county: Citrus Heights, Elk Grove, Folsom, Galt, Isleton, Rancho Cordova, Sacramento, and all areas within the county as well.

Riverside County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

Riverside County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in Riverside County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for Riverside County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

· VA Loans (Purchase and Refinance)
· VA Jumbo Loans (Purchase and Refinance)
· VA Loans for Condo's (Purchase and Refinance)
· VA Streamline Refinance (IRRRL)
· VA Jumbo Streamline Refinance (IRRRL)

Riverside County VA Loans are available up to $417,000 with Zero down payment required. The Riverside County VA Loan Limit in 2011 is $417,000. We do not limit Veterans to the County Loan limit of $417,000 for Riverside County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in Riverside County, California:

Active Duty Military and Veterans can both qualify
100% financing up to $417,000
A $417,000 Riverside County VA Home Purchase would only require a $8,250 down payment ( 1.83%) - not including the VA Funding Fee
A $575,000 Riverside VA Home Purchase would only require $39,500 down payment ( 6.87%) - not including the VA Funding Fee
A $750,000 Riverside VA Home or Condominium Purchase would require a $83,250 (11.1 %) 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 Approved Condo's can utilize VA Loans too
Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also)

We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.
VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in Riverside county: Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Cathedral City, Coachella, Corona, Desert Hot Springs, Hemet, Indian Wells, Indio, Lake Elsinore, La Quinta, Menifee, Moreno valley, Murrieta, Norco, Palm Desert, Palm Springs, Perris, Rancho Mirage, Riverside, San Jacinto, Temecula, Wildomar, and all areas within the county as well.

Monday, May 30, 2011

100 percent Home Loans - California Options for 2011

100 percent Home Loans - California Options for 2011

Two options for 100% Financing for California home buyers

Much has changed in the Mortgage industry in the past couple years, especially in regards to 100% financing, or no-money down loans to purchase a home.

We offer two US Government backed programs that allow for zero down, or no downpayment financing of your new home.

The VA Loan and the USDA Rural Development Loan both allow 100% financing and require no downpayment.

Learn more about our VA Loans and VA Jumbo Loans on our VA pages (click the links). VA Jumbo's are VA Loans for high cost markets that exceed the standard VA Loan Limit of $417K. These are available in Los Angeles, San Diego, Bay Area, Oakland, San Francisco, Orange County, Seattle, and many other cities. VA Loans require that you are an American Veteran or Active Duty US Military to qualify.

USDA - yes, the US Department of Agriculture, offers the USDA RD or Rural Development loan. Here is more info on the USDA RD Loan. These loans are for less densely populated areas, our USDA RD Loan Page has links to the property search tool to see if your future home may qualify for 100% USDA financing. There are also income limits for this program, but many families qualify.

Please give us a call to find out more and get started with your VA or USDA Home Financing. 760-752-4480 direct, ask for Brian Skaar.

We also offer Conventional Loans with 3% down in California, and FHA Loans with 3.5% down payment.

Wednesday, April 13, 2011

Conventional Condo Financing with 5% down in California

Conventional Condo Financing with 5% down in California - California Condo loans with 95% Conventional Loan

We offer Conventional Loans with 5% down payment to finance Condo's in California

VanDyk Mortgage offers Conventional Purchase loans for Condominiums up to $417,000 with just a 5% down payment.

Here are some basic details:

California and Washington state are now eligible for our Conventional Fannie Mae Condo Loans up to 95% Loan to Value - Only 5% down payment is required. We do not consider CA a declining market, so we are able to offer these enhance financing options for Conventional loans.

Minimum credit score = 680
Maximum Debt Ratio = 41%
Loan amounts up to $417,000 (purchase price up to $438K with 5% down).

If you don't have a 680 middle score, or have a slightly higher debt ratio, we can still help with our FHA Loans. If your purchase price is higher than $438K, FHA Jumbo may be able to help as well.

Give us a call to get started - 760-752-4480.

Conventional Loans with 5% down payment in California - 95% financing options

Conventional Loans with 5% down payment in California - 95% financing options

VanDyk Mortgage offers Conventional Purchase loans up to $417,000 with just a 5% down payment.

Here are some basic details:

California and Washington state are now eligible for our Conventional Fannie Mae Loans up to 95% Loan to Value - Only 5% down payment is required. We do not consider CA a declining market, so we are able to offer these enhanced financing options for Conventional loans.

Minimum credit score = 660
Maximum Debt Ratio = 41% (up to 45% Debt Ratio with a 740+ Fico score)
Condo's OK to 95%!

Loan amounts up to $417,000 are eligible (that would be a purchase price up to $438K with 5% down).

If you don't have a 660 middle score, or have a slightly higher debt ratio, we can still help with our FHA Loans. If your purchase price is higher than $438K, FHA Jumbo may be able to help as well.

Give us a call to get started - 760-752-4480.

We proudly offer a full array of loans including FHA, VA, USDA, Conventional, Jumbo, FHA Jumbo, VA Jumbo,VA loans for Condo's, FHA 203K Rehabilitation Loans, Conventional loans up to 95% ltv, and more.

Serving California Cities: Anaheim, Bakersfield, Chula Vista, Corona, Escondido, Fremont, Fresno, Irvine, Los Angeles, Long Beach, Murrieta, Oakland, Oceanside, Riverside, Sacramento, San Bernardino,San Diego, San Francisco, San Jose, San Marcos, Santa Ana, Temecula, and all in between.

Our Office also serves Washington State, including Auburn, Bellevue, Bellingham, Bremerton, Edmonds, Everett, Federal Way, Kent, Kirkland, Lacey, Olympia, Puyallup, Redmond, Renton, Seattle, Spokane, Tacoma, Vancouver,and the entire state.

Monday, September 6, 2010

FHA Loans vs Fannie Mae loans - compare and contrast We did a comparison of FHA jumbo vs Fannie Mae Jumbo loans in 2008, and also updated that artic

FHA Loans vs Fannie Mae loans - Which one is for you?

We did a comparison of FHA jumbo vs Fannie Mae Jumbo loans in 2008, and also updated that article onFHA Jumbo vs Fannie Mae High Balance recently. It made me think, what about conforming loan sizes - $417K and under, how do FHA and Fannie Mae conforming loans compare? We found that in many instances, FHA has many benefits and more ways to help homeowners refinance and homebuyers purchase homes.

FHA Purchase Loans and FHA Refinance Loans offer many ways to help both homebuyers and refinancers. Here are some comparisons:

FHA Loans require a 3.5% downpayment vs a 5% downpayment for Fannie Mae
FHA Refinance Loans require a 2.25% minimum equity vs a 5% minimum equity for Fannie Mae Refinances (for non- cash out transactions)
FHA Allows Cash out refinances up to 85% Loan to Value - Fannie Mae's limit of 85% loan to value
FHA Loans allow you to consolidate a first and second mortgage without classifying the transaction as Cash out - Fannie Mae Loans consider paying off a non-purchase second mortgage to be Cash out, resulting in higher loan related fees, higher fico qualification, and a higher rate.
FHA Loans require a 620 mid score vs a 680 for a 95% Fannie Mae Purchase.
FHA allows higher debt ratios than Fannie Mae loans, especially when MI is involved

While the FHA loan does have Mortgage Insurance, it does offer options that Fannie Mae does not, and Fannie Mae loans over 80% ltv also require PMI.

Here are some comparisons we made between FHA and conforming loans to measure the coming changes to the FHA Mortgage Insurance costs. Please view the following articles for more information on comparing the old and new FHA MIP premium structures, and how they effect you:

FHA Changes to Mortgage Insurance Premiums authorized in House Bill HR 5981

Part 1: Why FHA Loans will still be the better choice for many homebuyers (and refinancers!)

Part 2: Why FHA Loans will still be the better choice for many homebuyers (and refinancers!)

Call us at 866-900-2342 to see if a FHA Purchase or FHA Refinance is the right solution for you.

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.

Maximum Income restrictions for VA Loans

No Maximum Income restrictions for VA Loans

There are no maximum income restrictions or limitations for VA Loans. We felt it was important to discuss this briefly since many people think VA Loans are just for Low Income buyers, or First Time Home Buyers. Nothing could be further from the truth, our Veterans and Active Duty Service Personnel deserve quality housing and affordable financing options. The VA Loan Benefit serves that need.

VA Loans do not have a maximum income restriction. As well, you do not have to be a First Time Home Buyer to qualify for a VA Loan. VA Loans were created to assist our Veterans with affordable home financing options to purchase a home with a lower down payment than conventional or conforming alternatives, and to have affordable refinance options.

Since the VA's mission is to create affordable home loan options for American Vets, it does allow some things that Conventional loans do not at this time.

VA Loans require no down payment
Down Payment can be from your own funds or gift funds from immediate family
VA Loans allow credit scores as low as 620
VA Loans have competitive 30 year fixed rates and low 5yr fixed rates are available too
VA Refinance loans allow you to consolidate a first and second mortgage
You can use your VA Loan benefit more than once, the new loan limits and entitlement amounts make this more affordable than ever.
VA Jumbo loans offer 100% financing options up to $962K in most of the Bay Area

Bakersfield, CA - VA Loans and FHA Home Mortgage Loans - California VA Lender & FHA Lender serving Bakersfield

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

FHA Loans for Purchase and refinance
VA & VA Jumbo (aka High Balance) for Purchase and refinance
Conforming Loans for Loans for Purchase and refinance
Jumbo Loans to $3m

Bakersfield FHA Loans are available up to $368,750 with just 3.5% down payment. The FHA 2010 Loan Limit for Bakersfield is $368,750.
VA Loans are available in Bakersfield up to $417,000 with zero downpayment. The Bakersfield VA Loan Limit in 2010 is $417,000. However, Veterans are not limited to the Kern County 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 VA Mortgage VA Loan over your county limit.
Bakersfield Conforming Loans are available up to $417,000. Conforming purchase or refinance loans are available with a minimum of 5% downpayment or equity for Bakersfield.
Bakersfield Home Loan information
FHA Home loans in Bakersfield, California:

FHA Home Loans require just 3.5% downpayment
FHA Home Loans for Refinance available up to 97.75% Loan to Value
Bakersfield FHA Loans available up to $368,750
The $368,750 is the base loan amount - the Bakersfield FHA Loan Limit of $368,750 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
This would allow you to purchase up to a $382K home in Fresno 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
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 Bakersfield, California:

Active Duty Military and Veterans can both qualify
100% financing up to $417,000
A $500k Bakersfield VA Home Purchase would only require $20,750 downpayment (4 .15%) - not including the VA Funding Fee
A $675k Bakersfield VA Home Purchase would only require $64,500 downpayment (9.56%) - 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 Bakersfield, California:

Bakersfield Conforming loans available up to $417,000
For Purchase and refinance
require a minimum of 5% downpayment or up to 95% LTV on Purchase Loans
Up to 95% Loan to Value on Refinances
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 Bakersfield, 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. In addition to California, we service the entire state ofWashington, 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.
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