Encinitas FHA & VA Direct Lender - VA, FHA, Conf, Jumbo Home Loans And Mortgages -Encinitas, CA

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

• FHA & FHA Jumbo (aka High Balance)


• VA & VA Jumbo (aka High Balance)


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


• Jumbo Loans to $3m

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

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

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

Encinitas is located in North County San Diego in California. It has several miles of Pacific Ocean beaches, and is located just north of Solano Beach and Carlsbad is just to the North, and borders Rancho Santa Fe on the east side.

Here are some links to local Encinitas information:

• Encinitas City Website


• Encinitas Crime Maps


• Encinitas Statistics, Demographics, & Info


• Encinitas Real Estate


• Encinitas School info


• Encinitas Wiki

Encinitas Home Loan information

FHA Home loans in Encinitas, California:

• FHA Home Loans require just 3.5% downpayment


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


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


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


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


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


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


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

VA Home Loans in Encinitas, California:

• Active Duty Military and Veterans can both qualify


• 100% financing up to $437,500


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


• VA Loans require no Mortgage Insurance


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


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


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

Conforming Home Loans in Encinitas, California:

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


• Encinitas Conforming loans available up to $417,000


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


• Allow for condominiums, Second Homes, and investment properties


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

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

Encinitas Zip codes include 92024. Encinitas Area codes include the 760 area code and 442 area code.

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

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

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

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

Our FHA Jumbo Loans are not capped at $650k

VanDyk Mortgage is a FHA Direct Lender and we offer FHA Jumbo loans up to your full County FHA Loan limit for 2010. This may sound strange, but many lenders are limited to a cap of $650K on FHA Loans, regardless of the corresponding FHA County Loan Limit. This constraint is due to their warehouse financing (ie, their line of credit for funding mortgage loans). We lend up to the full FHA County Loan limit in all areas that we service.

FHA Jumbo Loans are those that are $417,001 (aka the conforming loan limit) and up to the county limit. In many parts of California FHA Loans are available up to $729,750. This would include Los Angeles, Orange County, Ventura County, San Francisco, Alameda county, Santa Clara, San Jose, San Mateo, Contra Costa, and more. San Diego allows FHA loans up to $697,500, and Seattle is capped at $567,500. Be sure to check out our main website for details on FHA Loan Limits: http://www.vandykfunding.com/. VanDyk offers FHA Jumbo loans for Purchase, Refinance, and Cash out Refinance.

FHA loans still available with Fico's as low as 580

VanDyk Mortgage is proud to announce that we offer FHA Loans for Borrowers with fico scores as low as 580.

Many FHA Lenders have begun to require minimum Fico scores for FHA Loans of 640 in recent months, and will not fund FHA loans with a middle fico score under 640, or under 620. This is not due to changes in the FHA Loan Program, or mandates from HUD (who oversees the FHA program), these are individual Lender requirements from many of the big banks (yes, the same ones we all bailed out with our Tax Dollars).

VanDyk Mortgage again offers FHA Loans for Borrowers with fico's as low as 580. These are available for FHA Purchase, FHA Refinance, or FHA Cash out. Many home buyers begin the home buying process with an acceptable score for their lender such as 642, then find after the arduous homebuying process with Short Sales and REO Bank owned properties that their score has fallen below 620, and their lender can no longer help. Call us immediately in this situation, we may be able to help.

We are able to offer this program for two reasons. First, this loan will not be sold in the secondary market, so it is not subject to the additional requirements that other banks require. Second, we will underwrite all of these loans manually, not rely on automated systems. Please keep in mind that all loans are subject to minimum qualification requirements, and that this is not an offer to lend.

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

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

We serve the following areas for VA, FHA and Conventional loans: California,Southern California, Northern California, Washington, Texas, Georgia, Florida, San Diego, San Marcos, CA, WA, GA, FL, MO, MI, TX, 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, Oakland, Bel Air Estates, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Redondo Beach, Hermosa Beach, Torrance, Sacramento, Stockton, Bakersfield, Fresno, 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 is your FHA Lender & VA Lender of choice. VanDyk Mortgage Funds FHA Loans with Ficos between 580 and 640. (and of course higher fico's allowed also!).

Revised 2009 FHA Loan Limits now available

With the recent Stimulus bill passed in Congress & the Senate were provisions to return the FHA Loan Limits back to the higher levels of 2008. These higher loan limits are available immediately with VanDyk Mortgage for our FHA Jumbo Purchase Loans, FHA Jumbo Refinance loans, FHA Jumbo Streamline Refinance loans, and FHA Cash out Refinance Loans.

The revised 2009 FHA loan limits return the high end to $729,750 in higher cost counties such as Los Angeles, Santa Clara, San Francisco, Orange County, and more. San Diego County returns to a max 2009 FHA Loan Limit of $697,500.

Some of the big banks are not offering these revised loan limits yet, but VanDyk Mortgage is offering the revised 2009 Loan Limits effective immediately.

Click here to access the revised 2009 FHA Loan limits for your county.

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. VanDyk Mortgage is also a Proud VA 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 Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cashout refinance, FHA Rehab 203K, VA, Conforming & Jumbo Loans.

We serve the following areas for VA, FHA and Conventional loans: California,Southern California, Northern California, Washington, Texas, Georgia, Florida, San Diego, San Marcos, CA, WA, GA, FL, MO, MI, TX, 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 is your FHA Lender & VA Lender of choice.

Changes to limits on number of properties financed

There have been many changes in lending the past couple of years and this post will deal with the maximum number of properties financed. Here is a quick guide to our rules on this:

Fannie Mae (FNMA) and Freddie Mac (FHLMC) have a limitation of 4 maximum properties that are financed. We interpret the rule as follows: If the subject property ( the home you are financing) is a second home or investment home, you can only have a maximum of 4 financed properties. If the home you are financing is your Primary Residence, we do not limit the number of properties that you have financing on.

Summed up: If you are purchasing or refinancing your primary residence, We do not limit the total number of properties that you have current financing on.

For VA & FHA loans, VanDyk Mortgage does not have limitations on the total number of properties you have financed. Keep in mind that you are limited on how many FHA Loans you can have outstanding at one time, and also how many VA loans you can have outstanding at one time. If you have had a FHA or VA loan that have been paid off or refinanced into another type of loan, you can reinstate your eligibility for FHA or VA financing again. Call us for details.

Coming soon: Fannie Mae is changing it's guidelines to allow those purchasing or refinancing Investment properties & second homes to allow up to TEN financed properties. stay tuned!

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. VanDyk Mortgage is also a Proud VA 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 Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cashout refinance, FHA Rehab 203K, VA, Conforming & Jumbo Loans.

We serve the following areas for VA, FHA and Conventional loans: California,Southern California, Northern California, Washington, Texas, Georgia, Florida, San Diego, San Marcos, CA, WA, GA, FL, MO, MI, TX, 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 is your FHA Lender & VA Lender of choice.

FHA Streamline Refinance - No Appraisal Required

VanDyk Mortgage offers FHA Streamline refinances with No Appraisal Required.

This a great way for families with FHA Loans who purchased a home in the past couple years or who may have refinanced their FHA Loan in the past couple years an opportunity to take advantage of today's low interest rates to lower their home loan rate with a FHA Streamline Refinance without the worry about stagnant or falling property values killing the deal.

FHA, FHA Jumbo Loans, FHA 203K loans, and FHA Secure loans all qualify for the FHA Streamline Refinance with no appraisal requirement. There is no out of pocket expense to complete the FHA Streamline Refinance without appraisal in most cases, even for FHA Jumbo Streamline refinance.

FHA Streamline Refinaces with No Credit or Income qualification are also available. These do require an Appraisal, but can still save you hundreds per month!

The FHA Streamline Refi is available for FHA, FHA Jumbo Size loans, FHA Secure loans, and FHA 203K loans (if work is complete).

For FHA Streamline Refinance Loans and VA Streamline Refinance (IRRRL) loans call the Government loan experts at VanDyk Mortgage - 866-900-2342 or apply now at http://www.vandykfunding.com/.

VanDyk Mortgage also offers FHA Jumbo Streamline Refinance loans - it is OK with us if your loan amount exceeds the 2009 loan limits, we can still help you with your FHA Jumbo Streamline Refinance.

VanDyk Mortgage has been making FHA loans & VA Loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter, FHA Direct Lender, & VA 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 Streamline, FHA purchase loan, VA purchase loan, or VA Streamline.

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, Northern California, Washington, Texas, Georgia, Florida, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, and every other city in California, Georgia, Texas, Florida & Washington, CA, WA, GA, FL, MO, MI, TX, . VanDyk Mortgage is your FHA Lender & VA Lender of choice.

FHA Streamline Refinance - Great savings opportunity

I just wanted to post something real quickly about FHA Streamline Refinances - They are an exceptionally easy way to save money on your monthly house payment.

With FHA Streamline Finances you have reduced documentation requirements such as No Appraisal, or No Income. These are very easy to process for you with little or no cash out of pocket.

VanDyk Mortgage is a FHA Direct lender, and has been making FHA, VA, & Conventional Loans since 1987. Go with the Government Loan Pros, call VanDyk.

FHA jumbo streamline refinance available now. call today. 866-900-2342 toll free.