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

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Sunday, April 4, 2010

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).

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

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).

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).

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).