Government Loan Pros - FHA, VA, and USDA Rural Home Loans: April 2010

Thursday, April 29, 2010

Flip Rules for Conventional Loans - we require only 1 day

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

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

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

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

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

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

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

Monday, April 5, 2010

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

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

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

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

Jumbo Loans to $3m

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

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

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

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

Here are some links to local Temecula information:

Temecula City Website

Temecula History and city Site

Temecula Crime Maps

Temecula Statistics, Demographics, & Info

Temecula Real Estate

Temecula School info

Temecula Wiki

Temecula Home Loan information

FHA Home loans in Temecula, California:

FHA Home Loans require just 3.5% downpayment

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

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

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

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

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

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

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

VA Home Loans in Temecula, California:

Active Duty Military and Veterans can both qualify

100% financing up to $417,00

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

VA Loans require no Mortgage Insurance

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

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

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

Conforming Home Loans in Temecula, California:

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

Temecula Conforming loans available up to $417,000

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

Allow for condominiums, Second Homes, and investment properties

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

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

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

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

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

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

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

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

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

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

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

Jumbo Loans to $3m

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

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

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

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

Here are some links to local Murrieta information:

Murrieta City Website

Murrieta City Directory

Murrieta Crime Maps

Murrieta Statistics, Demographics, & Info

Murrieta Real Estate

Murrieta School info

Murrieta Wiki

Murrieta Home Loan information

FHA Home loans in Murrieta, California:

FHA Home Loans require just 3.5% downpayment

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

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

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

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

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

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

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

VA Home Loans in Murrieta, California:

Active Duty Military and Veterans can both qualify

100% financing up to $417,00

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

VA Loans require no Mortgage Insurance

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

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

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

Conforming Home Loans in Murrieta, California:

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

Murrieta Conforming loans available up to $417,000

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

Allow for condominiums, Second Homes, and investment properties

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

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

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

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

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

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

Sunday, April 4, 2010

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

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

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

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

Jumbo Loans to $3m

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

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

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

Here are some links to local Los Angeles information:

Los Angeles City Website

Los Angeles Crime Maps

Los Angeles Statistics, Demographics, & Info

Los Angeles Real Estate

Los Angeles School info

Los Angeles Wiki

Los Angeles Home Loan information

FHA Home loans in Los Angeles, California:

FHA Home Loans require just 3.5% downpayment

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

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

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

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

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

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

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

VA Home Loans in Los Angeles, California:

Active Duty Military and Veterans can both qualify

100% financing up to $593,750

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

VA Loans require no Mortgage Insurance

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

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

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

Conforming Home Loans in Los Angeles, California:

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

Los Angeles Conforming loans available up to $417,000

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

Allow for condominiums, Second Homes, and investment properties

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

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

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

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

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

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

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

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

Jumbo Loans to $3m

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

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

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

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

Here are some links to local San Francisco information:

San Francisco City Website

San Francisco Crime Maps

San Francisco Statistics, Demographics, & Info

San Francisco Real Estate

San Francisco School info

San Francisco Wiki

San Francisco Home Loan information

FHA Home loans in San Francisco, California:

FHA Home Loans require just 3.5% downpayment

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

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

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

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

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

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

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

VA Home Loans in San Francisco, California:

Active Duty Military and Veterans can both qualify

100% financing up to $962,500

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

VA Loans require no Mortgage Insurance

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

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

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

Conforming Home Loans in San Francisco, California:

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

San Francisco Conforming loans available up to $417,000

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

Allow for condominiums, Second Homes, and investment properties

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

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

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

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

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

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

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

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

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

Jumbo Loans to $3m

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

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

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

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

Here are some links to local San Jose information:

San Jose City Website

San Jose Crime Maps

San Jose Statistics, Demographics, & Info

San Jose Real Estate

San Jose School info

San Jose Wiki

San Jose Home Loan information

FHA Home loans in San Jose, California:

FHA Home Loans require just 3.5% downpayment

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

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

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

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

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

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

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

VA Home Loans in San Jose, California:

Active Duty Military and Veterans can both qualify

100% financing up to $633,750

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

VA Loans require no Mortgage Insurance

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

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

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

Conforming Home Loans in San Jose, California:

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

San Jose Conforming loans available up to $417,000

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

Allow for condominiums, Second Homes, and investment properties

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

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

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

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

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

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

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

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

Jumbo Loans to $3m

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

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

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

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

Here are some links to local San Diego information:

San Diego City Website

San Diego Crime Maps

San Diego Statistics, Demographics, & Info

San Diego Real Estate

San Diego School info

San Diego Wiki

San Diego Home Loan information

FHA Home loans in San Diego, California:

FHA Home Loans require just 3.5% downpayment

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

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

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

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

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

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

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

VA Home Loans in San Diego, California:

Active Duty Military and Veterans can both qualify

100% financing up to $437,500

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

VA Loans require no Mortgage Insurance

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

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

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

Conforming Home Loans in San Diego, California:

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

San Diego Conforming loans available up to $417,000

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

Allow for condominiums, Second Homes, and investment properties

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

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

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

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

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

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

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

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

Jumbo Loans to $3m

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

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

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

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

Here are some links to local San Marcos information:

San Marcos City Website

San Marcos Crime Maps

San Marcos Statistics, Demographics, & Info

San Marcos Real Estate

San Marcos School info

San Marcos Wiki

San Marcos Home Loan information

FHA Home loans in San Marcos, California:

FHA Home Loans require just 3.5% downpayment

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

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

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

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

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

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

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

VA Home Loans in San Marcos, California:

Active Duty Military and Veterans can both qualify

100% financing up to $437,500

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

VA Loans require no Mortgage Insurance

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

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

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

Conforming Home Loans in San Marcos, California:

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

San Marcos Conforming loans available up to $417,000

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

Allow for condominiums, Second Homes, and investment properties

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

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

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

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

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

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).

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

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

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

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

Jumbo Loans to $3m

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

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

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

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

Here are some links to local Carlsbad information:

Carlsbad City Website

Carlsbad Crime Maps

Carlsbad Statistics, Demographics, & Info

Carlsbad Real Estate

Carlsbad School info

Carlsbad Wiki

Carlsbad Home Loan information

FHA Home loans in Carlsbad, California:

FHA Home Loans require just 3.5% downpayment

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

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

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

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

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

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

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

VA Home Loans in Carlsbad, California:

Active Duty Military and Veterans can both qualify

100% financing up to $437,500

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

VA Loans require no Mortgage Insurance

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

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

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

Conforming Home Loans in Carlsbad, California:

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

Carlsbad Conforming loans available up to $417,000

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

Allow for condominiums, Second Homes, and investment properties

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are some links to local Oceanside information:

Oceanside Home Loan information

FHA Home loans in Oceanside, California:

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

VA Home Loans in Oceanside, California:

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

Conforming Home Loans in Oceanside, California:

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

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

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

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

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

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

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

Getting FHA & VA purchase offers approved

Getting FHA & VA purchase offers approved can seem daunting to a home buyer (and Realtors too).

Many buyers experience a long frustrating process when trying to bid on Bank Owned, REO, Short Sale, or Corporate Owned Properties with a FHA loan or VA loan. Why is this? Steve Hall with RE/Max United, one of our preferred Realtors here in North County San Diego, wrote a great success story on his blog regarding FHA & VA purchase offers.

I fully agree with Steve that it boils down to much more than the type of loan you are using when trying to get an offer accepted. The overall presentation and quality of the offer is the difference. The net price to the seller must be fair, not a low ball offer. The home must be either in reasonable condition to qualify, or the plan to cure any deficiencies must be in the offer, and there must be a PreApproval letter that shows the diligence performed in the PreApproval process. This will show the seller (ie, REO listing agent, asset manager, bank approval department, etc) that the offer is well thought out, supported by a knowledgable and detail minded Realtor, a commited buyer, and a quality lender that PreApproved the FHA or VA Loan before the offer was submitted. The presentation of the offer is key to acceptance.

I have heard from home buyers in many different market areas that their Realtors say "VA offers aren't getting accepted in this market" or "the bank isn't taking FHA offers at this time". We did a quick study of MLS records on the San Diego MLS and found that is not the case. Huge percentages of new purchase loans are made with FHA & VA Loans in San Diego County here in California.

The key: The Buyer and their Realtor stayed committed to the process, wrote quality offers, and then did what it takes to close the deal. It usually does take a minimum of a few offers to get one accepted in this strange housing market, but that is true of most offers, Cash, Conventional, FHA or VA financing.

I would like to commend Steve Hall for his commitment to his FHA buyers and VA buyers, it shows in his results!

The fact is that FHA, VA, and the corresponding FHA High Balance (FHA Jumbo) and VA High Balance (VA Jumbo) loans are one of the best ways to purchase a home with minimal down payment.

San Diego FHA buyers can borrow up to $697,500 with our FHA Jumbo loans with just 3.5% down payment. Veterans and Active Duty Military VA Jumbo buyers in San Diego can borrow up to $437,500 with zero down payment, or can purchase a home for a higher amount and pay 25% of the difference. On a $510,000 home purchase, this would require a $18,125 downpayment, or 3.55%.

Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for your next buyer. Visit us on the web at http://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. Go with the Government Loan Pros, go with VanDyk. Visit us at http://www.vandykfunding.com/ or call Brian Skaar at 760-752-4480 for help with your FHA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, Conforming & Jumbo Loans.

We serve the following areas for VA, FHA and Conventional loans: California,Southern California, Northern California, Washington, Texas, Georgia, Florida, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana, Seattle, Washington, Bellevue, Kirkland, Redmond, Lynnwood, Olympia, Tacoma, Puyallup, Buckley, Auburn, Kent, Federal Way, Seatac, San Francisco, San Jose, Carson, Gardena, Hawthorne, Lawndale, Inglewood, Ladera Heights, View Park, Windsor Hills, Baldwin Hills, Fox Hills, Culver City, Beverly Hills, Malibu, Santa Monica, Brentwood, Calabasas, Encino, Bel Air Estates, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Redondo Beach, Hermosa Beach, Torrance, San Marcos, San Diego, Rancho Bernardo, Carlsbad, Escondido, Poway, Oceanside, Vista, Encinitas, Carmel Valley, Scripps, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Long Beach, Artesia, La Palma, Cerritos, Compton, Lynwood, Bellflower, Temecula, Murrieta, Southern California, Northern California, Washington, Everett, Lynnwood, Tacoma, Kent, Federal Way, Auburn, Renton, Bellevue, Redmond, Kirkland, Whittier, Santa Fe Springs, Downey, Irvine, Newport Beach, Los Angeles, San Bernardino, Riverside and Orange County. 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 mortgages of all types. We offer FHA & VA loans in California, Georgia, Texas, Washington, & More. Visit us at http://www.vandykfunding.com/ to get started or just find out more.