VA Loan Benefit info for California Veterans to buy Homes in CA

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

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

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

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

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

STATE COUNTY 2010 VA LIMIT

CA ALAMEDA $962,500

CA CONTRA COSTA $962,500

CA EL DORADO $418,750

CA LOS ANGELES $593,750

CA MARIN $962,500

CA MONO $512,500

CA NAPA $443,750

CA NEVADA $418,750

CA ORANGE $593,750

CA PLACER $418,750

CA SACRAMENTO $418,750

CA SAN BENITO $633,750

CA SAN DIEGO $437,500

CA SAN FRANCISCO $962,500

CA SAN LUIS OBISPO $487,500

CA SAN MATEO $962,500

CA SANTA CLARA $633,750

CA SANTA CRUZ $568,750

CA VENTURA $486,250

CA YOLO $418,750

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

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

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

FHA Flip rule - We allow FHA Flips per the FHA Flip Rule Waiver

FHA Flip rule - 1 day owned by seller OK

The Seller seasoning requirement on our FHA Loans is one day. That is correct, one day. While FHA has released guidance for lenders allowing the Flip Rule to be Waived for all Sellers until Feb 1, 2011, many lenders still require that sellers own a home for 90-180 days before it is eligible for their FHA Financing. We do not require these waiting periods for FHA Loans.

Seller Seasoning simply means how long the current owner has owned the property (as recorded on Title Records). Seller seasoning is also called Owner seasoning. The contract date must be after the date of acquisition for the seller, a redated contract is not allowable.

This is in complete alignment with the HUD guidelines for FHA Loans. The other lenders that have added restrictions are reducing the eligibility for Homebuyers to use FHA Loans to purchase homes from investors who may have purchased the home at a foreclosure auction, or direct from a bank. This opens the door for more homes to be eligible for safe, secure, and sound FHA financing. Many of these homes have been completely rehabilitated, making them a more desirable home to buy: they are Turn key homes.

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

Get started on your FHA Home loan with the FHA Loan Pros at VanDyk. Visit us at http://www.vandykfunding.com/ to apply online, or call 760-752-4480 and ask for Brian Skaar.

There are some guidelines for FHA Flips under 90 days that will require some attention. If the home increased in price more than 20% from the sellers acquisition cost, the increase in price will need to be justified with renovation records, the sale must be arms-length (No Idendity of Interest between buyer and seller), multiple flipping within previous 12 months is a red flag, no assignment of contracts, property inspection may be required, and buyer's agent cannot be the seller of the home.

VanDyk Mortgage is a FHA Direct Lender offering FHA & FHA Jumbo Loans throughout our lending areas including California, Washington, Los Angeles, San Diego, Riverside, Temecula, Murrieta, Orange County, San Jose, San Francisco, Seattle, Puyallup, Auburn, Kent, Everett, Tacoma, and everything in between.

San Jose FHA Home Mortgage Loans - VanDyk Mortgage - FHA Lender

San Jose FHA Home Mortgage Loans - VanDyk Mortgage - FHA Lender.

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

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

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

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

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

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

Here are some links to local San Jose information:

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

San Jose Home Loan information

FHA Home loans in San Jose, California:

• FHA Home Loans require just 3.5% downpayment
• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)
• The $729,750 is the base loan amount - the San Jose FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association, and HUD Approval - call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in San Jose, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $633,750
• A $800K San Jose Home Purchase would only require $41,562 downpayment (5.2%) - not including the VA Funding Fee
  
• VA Loans require no Mortgage Insurance
  
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
  
• Veterans with a 10% or higher VA disability pay no VA Funding fee
  
• Sellers can pay up to 4% of the VA Buyers closing costs

VA Loans can be used for Condominiums - Purchase and Refinance - Call for details - VA Condo Loans.

Conforming Home Loans in San Jose, California:

• Available up to $729,750 with the Conforming High Balance (aka conforming Jumbo)
• San Jose Conforming loans available up to $417,000
• require a minimum of 10% downpayment or up to 90% LTV
• Allow for condominiums, Second Homes, and investment properties
• Call for details on Fico score requirements, downpayment requirements, etc

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

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

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

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

VA Condo Loans -VA Loans to buy or refinance Condominiums

VanDyk Mortgage VA Condo Loans -VA Loans to buy or refinance Condominiums / Condo's.

VanDyk Mortgage is a VA Lender offering VA Loans to purchase or refinance Condominiums. The tightening credit market of the past couple years has wrought havoc on Condominiums as Conventional Agencies Fannie Mae & Freddie Mac have added many restrictions on Condos, both in the way of reduced eligibility and also increased rates for Condo's. FHA also recently changed it's rules for Condominium eligibility as well, making it even harder for Sellers and Listing Agents to sell Condo's.

In comes the VA to the rescue. To qualify for a VanDyk VA Condo Loan, the condo must be on the VA Approved Condo list, which includes many existing complexes. You can search for VA Approved Condos yourself or rely on us. The hard part is the Condo Association name may not appear in the VA Site, forcing us to use the homes Legal description to determine the VA Condo Eligibility. Simply call us so we can help research the Condo's Eligibility for a VA Loan.

VanDyk Mortgage offers VA financing on Condos with VA Loans up to $417,000 and we also offer VA Jumbo Loans for Condo's (up to theCounty VA Loan Limits). This includes Purchase, Refinance, and the popular VA IRRRL, or VA Streamline Refinance.

VanDyk does not require the seller to hold the property for 90 days like many other lenders. If the seller of record on the day of the purchase agreement matches, that fits within our rules. Another name for this is the Flip Rule, where many banks require a seller to be on Title for 90 days minimum, we only require 1 day.

We offer VA Loans for Condo's in California & Washington state. Condo's in cities like San Francisco, Oakland, Los Angeles, San Diego, San Jose, Seattle, Bellevue, Ventura, and Irvine can qualify for VA Condo Loans.

VA Flip Rules for California and Washington VA Loans

VA flip rules for California and Washington VA Loans

We just posted an article on our other VA Blog that covers our Owner Seasoning Rules AKA VA Flip Rule. VanDyk Mortgage only requires sellers to be on Title (owner of record) for one day prior to selling the home again. This is important, as many homes are bought direct from the big banks in bulk by Investors who fix up the homes and put them on the market for resale.

Many VA Lenders require a waiting period before the Home Can Qualify for a new VA Loan in this scenario. VanDyk Mortgage has no waiting period for a VA Loan after the prior sale.

We offer these on VA Condo's as well as using VA Loans and VA Jumbo Loans to purchase a single family home. We serve California, Washington, San Diego, Riverside, Temecula, Murrieta, Irvine, Los Angeles, Ventura, San Jose, San Francisco, Seattle, bellevue, redmond, and all parts in between for VA Loans.

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).

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 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).

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 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

VA Loans offer benefits to all Vets, not just First Time Home Buyers

VA Loans offer benefits to all Vets, not just for First Time Homebuyers. With increased VA Loan limits and enhanced VA refinance options, VA Home Loans offer current Veteran Homeowners two opportunities:

Veterans looking to purchase a new home (ie move up VA buyer) can now take advantage of much higher VA Loan limits to purchase their primary home. We will discuss VA Loan limits further in this article.

Refinance your Non-VA Loan into a safe, fixed rate VA loan (with no mortgage insurance, and up to 90% of your homes value, and this amount can include cash out).

Veteran Homebuyers in the greater Seattle-Tacoma-Everett area can borrow up to $481,250 with our VA Jumbo Loans. Vets in Los Angeles and Orange Counties can qualify for 100% VA Financing up to $593,750. San Diego Vets can go up to $437,500, while much of the Bay Area has a much higher VA Loan limit of $962,500 (San Francisco, San Jose, Oakland, Fremont, Santa Clara, Pleasanton, Sunnyvale, etc). We are a Direct VA Lender offering VA Home Loans and VA Jumbo Home Loans in every state we service. Check your counties VA Loan limits on our main site, www.vandykfunding.com. We have been making VA Loans since 1987, go with the VA Loan Pros at VanDyk Mortgage.

Check out some of our other articles on VA Loans.

2010 Loan Limits for VA Borrowers in California

2010 Loan Limits for VA Borrowers in California.

The Veterans Administration, in concert with some help from Congress in 2008 now allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas such as California and Washington at loan amounts much higher than the old VA limits. Some examples in California are San Jose, San Francisco, Oakland, Fremont and much of the Bay Area may qualify for a 100% VA Jumbo loan up to $962,500. Los Angeles and Orange county cities such as Los Angeles (duh), Irvine, Anaheim, Newport Beach, Costa Mesa, Laguna, Orange, Santa Monica, Hermosa Beach, Manhattan Beach, Torrance, Pasadena, and Brea can borrow up to $593,750 with no money down when buying a house. San Diego Vets qualify up to $437,500 for a 100% VA Loan.

VanDyk Mortgage is a proud VA Lender serving many states including California, Washington, Texas, Florida, and more.

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

STATE COUNTY 2010 VA LIMIT

CA ALAMEDA $962,500

CA CONTRA COSTA $962,500

CA EL DORADO $418,750

CA LOS ANGELES $593,750

CA MARIN $962,500

CA MONO $512,500

CA NAPA $443,750

CA NEVADA $418,750

CA ORANGE $593,750

CA PLACER $418,750

CA SACRAMENTO $418,750

CA SAN BENITO $633,750

CA SAN DIEGO $437,500

CA SAN FRANCISCO $962,500

CA SAN LUIS OBISPO $487,500

CA SAN MATEO $962,500

CA SANTA CLARA $633,750

CA SANTA CRUZ $568,750

CA VENTURA $486,250

CA YOLO $418,750

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

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

Fannie & Freddie extend HARP Refinance program for underwater homeowners - HARP -Home Affordable Refinance Program

Fannie & Freddie extend HARP Refinance program for underwater homeowners - HARP -Home Affordable Refinance Program for conventional conforming loans.

The regulator for Government run Fannie Mae and Freddie Mac has authorized a 1 year extension on the HARP Refinance initiative until June 2011. This is also called the Home Affordable Refinance Program. This program allows homeowners with loans currently owned by Fannie Mae or Freddie Mac to refinance with expanded qualifications.

The Fannie Mae program is called Refi Plus or DU Refi Plus. This program allows several benefits to refinance:

> allows you to refinance your mortgage up to 125% of your current value

> allows for reduced income and asset documentation (definitely not stated income however)

> allows for appraisal waivers in some cases, saving you the time and expense of an appraisal

> allows you to take advantage of the low interest rates you may have missed out on!

> these are available up to the conforming loan limits for your county (see below for links)

The Freddie Mac program is called the Freddie Mac Relief program - Open Access. This program allows several benefits to refinance:

> allows you to refinance your mortgage up to 125% of your current value

> allows for reduced income and asset documentation (definitely not stated income however)

> allows you to take advantage of the low interest rates you may have missed out on!

> You are no longer restricted to using your current lender on your loan to complete your Freddie Mac Relief Refinance - We can help.

> these are available up to the conforming loan limits for your county (see below for links)

Click here for California Loan Limits

Click here For Washington Loan limits

For Washington State residents, we offer Conforming and Conforming Jumbo Loans for Single Family Homes up to $567,500 in King, Snohomish, and Pierce Counties. Up to $593,750 in San Juan County, and $475,000 in Kitsap County.

For California State residents, we offer Conforming and Conforming Jumbo (aka High Balance) for Single family Homes up to $697,500 in San Diego County, up to $729,750 in Los Angeles, Orange, Ventura, San Francisco, San Mateo, Santa Clara, Contra Costa, Alameda, Marin, Monterey, Napa, Santa Barbara, Santa Cruz, San Benito counties, up to $580,000 in Sacramento, Placer & El Dorado counties, Sonoma county up to $662,500, and up to $500,000 in Riverside and San Bernardino counties.

VanDyk Mortgage is a Direct Lender. To get started, contact us at 760-752-4480 (Brian Skaar Direct), or apply online at http://www.vandykfunding.com/.

2010 CA Conventional Loan Limits by County

2010 California FNMA & FHLMC - Fannie Mae & Freddie Mac Loan limits 2010

Fannie Mae & Freddie Mac have retained the expanded 2009 loan limits for 2010. The standard conventional loan limit remains at $417K accross the USA. This is also called the Conforming Loan Limit ($417K). High Cost Areas have loan limits based on the new formula in the 2008 housing bill passed in July of 2008, and are also called Conforming Jumbo, High Balance, or Super Conforming loans.

There are different ratios and loan to value ratios for the Fannie Mae & Freddie Mac loans that exceed the standard limit of $417K. They require a minimum of 10% down payment and a maximum debt ratio of 45%.

We also posted updates regarding the 2010 California FHA loan limits here.

ALAMEDA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION


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ALPINE $547,500 $700,900 $847,200 $1,052,900
NON-METRO


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AMADOR $443,750 $568,050 $686,650 $853,350
NON-METRO


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BUTTE $417,000 $533,850 $645,300 $801,950
CHICO, CA (MSA)

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CALAVERAS $462,500 $592,050 $715,700 $889,450
NON-METRO


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COLUSA $417,000 $533,850 $645,300 $801,950NON-METRO


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CONTRA COSTA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION


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DEL NORTE $417,000 $533,850 $645,300 $801,950

NON-METRO
CRESCENT CITY, CA (MICRO)


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EL DORADO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)


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FRESNO $381,250 $488,050 $589,950 $733,150
FRESNO, CA (MSA)


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GLENN $417,000 $533,850 $645,300 $801,950

NON-METRO

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HUMBOLDT $417,000 $533,850 $645,300 $801,950

EUREKA-ARCATA-FORTUNA, CA (MICRO)


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IMPERIAL $417,000 $533,850 $645,300 $801,950

EL CENTRO, CA (MSA)


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INYO $437,500 $560,050 $677,000 $841,350
BISHOP, CA (MICRO)


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KERN $417,000 $533,850 $645,300 $801,950
BAKERSFIELD, CA (MSA)


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KINGS $417,000 $533,850 $645,300 $801,950
HANFORD-CORCORAN, CA (MSA)


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LAKE $$417,000 $533,850 $645,300 $801,950

CLEARLAKE, CA (MICRO)


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LASSEN $417,000 $533,850 $645,300 $801,950

SUSANVILLE, CA (MICRO)


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LOS ANGELES $729,750 $934,200 $1,129,250 $1,403,400
LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D


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MADERA $425,000 $544,050 $657,650 $817,300
MADERA, CA (MSA)


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MARIN $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI


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MARIPOSA $417,000 $533,850 $645,300 $801,950
NON-METRO


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MENDOCINO $512,500 $656,100 $793,050 $985,600
UKIAH, CA (MICRO)


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MERCED $472,500 $604,900 $731,150 $908,650
MERCED, CA (MSA)


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MODOC $417,000 $533,850 $645,300 $801,950
NON-METRO


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MONO $529,000 $677,200 $818,600 $1,017,300
NON-METRO


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MONTEREY $729,750 $934,200 $1,129,250 $1,403,400
SALINAS, CA (MSA)


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NAPA $729,750 $934,200 $1,129,250 $1,403,400
NAPA, CA (MSA)


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NEVADA $562,500 $720,100 $870,450 $1,081,750
TRUCKEE-GRASS VALLEY, CA (MICRO)


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ORANGE $729,750 $934,200 $1,129,250 $1,403,400
SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION


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PLACER $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)


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PLUMAS $417,000 $533,850 $645,300 $801,950
NON-METRO


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RIVERSIDE $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)


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SACRAMENTO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)


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SAN BENITO $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)


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SAN BERNARDINO $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)


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SAN DIEGO $697,500 $892,950 $1,079,350 $1,341,350
SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)


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SAN FRANCISCO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI


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SAN JOAQUIN $488,750 $625,700 $756,300 $939,900
STOCKTON, CA (MSA)


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SAN LUIS OBISPO $687,500 $880,100 $1,063,850 $1,322,150
SAN LUIS OBISPO-PASO ROBLES, CA (MSA)


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SAN MATEO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI


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SANTA BARBARA $729,750 $934,200 $1,129,250 $1,403,400
SANTA BARBARA-SANTA MARIA, CA (MSA)


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SANTA CLARA $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)


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SANTA CRUZ $729,750 $934,200 $1,129,250 $1,403,400
SANTA CRUZ-WATSONVILLE, CA (MSA)


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SHASTA $423,750 $542,450 $655,700 $814,900
REDDING, CA (MSA)


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SIERRA $417,000 $533,850 $645,300 $801,950
NON-METRO


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SISKIYOU $417,000 $533,850 $645,300 $801,950
NON-METRO


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SOLANO $557,500 $713,700 $862,700 $1,072,150
VALLEJO-FAIRFIELD, CA (MSA)


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SONOMA $662,500 $848,100 $1,025,200 $1,274,050
SANTA ROSA-PETALUMA, CA (MSA)


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STANISLAUS $423,750 $542,450 $655,700 $814,900
MODESTO, CA (MSA)


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SUTTER $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)


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TEHAMA $417,000 $533,850 $645,300 $801,950
RED BLUFF, CA (MICRO)


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TRINITY $417,000 $533,850 $645,300 $801,950
NON-METRO


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TULARE $417,000 $533,850 $645,300 $801,950
VISALIA-PORTERVILLE, CA (MSA)


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TUOLUMNE $437,500 $560,050 $677,000 $841,350
PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)


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VENTURA $729,750 $934,200 $1,129,250 $1,403,400
OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)


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YOLO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)


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YUBA $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)


We serve the following areas for FHA and Conventional loans: California, 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.

California FHA Loan Limits for 2010

VanDyk offers FHA Loans up to the full FHA loan limit for every county that we serve. FHA Loans for single family homes are available up to $729,750 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Monterey, Orange County, Santa Clara, Santa Cruz, Ventura, San Benito, Marin, and Santa Barbara. San Diego Homebuyers and Homeowners can get FHA Loans up to $697,500, Riverside and San Bernardino up to $500,000, Sacramento, El Dorado, and Placer counties up to $580,000. Here is a list of the FHA loan limits for Single Family, Duples, Tri-plex and Four-Plex for all California counties:

County Name Single Family Duplex Tri-plex Four-plex


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ALAMEDA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION


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ALPINE $547,500 $700,900 $847,200 $1,052,900
NON-METRO


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AMADOR $443,750 $568,050 $686,650 $853,350
NON-METRO


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BUTTE $400,000 $512,050 $618,950 $769,250
CHICO, CA (MSA)


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CALAVERAS $462,500 $592,050 $715,700 $889,450
NON-METRO


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COLUSA $397,500 $508,850 $615,100 $764,400
NON-METRO


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CONTRA COSTA $729,750 $934,200 $1,129,250 $1,403,400
OAKLAND-FREMONT-HAYWARD, CA METROPOLITAN DIVISION


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DEL NORTE $311,250 $398,450 $481,650 $598,550
CRESCENT CITY, CA (MICRO)


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EL DORADO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)


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FRESNO $381,250 $488,050 $589,950 $733,150
FRESNO, CA (MSA)


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GLENN $287,500 $368,050 $444,900 $552,900
NON-METRO


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HUMBOLDT $393,750 $504,050 $609,300 $757,200
EUREKA-ARCATA-FORTUNA, CA (MICRO)


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IMPERIAL $325,000 $416,050 $502,900 $625,000
EL CENTRO, CA (MSA)


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INYO $437,500 $560,050 $677,000 $841,350
BISHOP, CA (MICRO)


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KERN $368,750 $472,050 $570,600 $709,150
BAKERSFIELD, CA (MSA)


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KINGS $325,000 $416,050 $502,900 $625,000
HANFORD-CORCORAN, CA (MSA)


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LAKE $401,250 $513,650 $620,900 $771,650
CLEARLAKE, CA (MICRO)


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LASSEN $285,000 $364,850 $441,000 $548,050
SUSANVILLE, CA (MICRO)


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LOS ANGELES $729,750 $934,200 $1,129,250 $1,403,400
LOS ANGELES-LONG BEACH-GLENDALE, CA METROPOLITAN D


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MADERA $425,000 $544,050 $657,650 $817,300
MADERA, CA (MSA)


--------------------------------------------------------------------------------

MARIN $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI


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MARIPOSA $412,500 $528,050 $638,300 $793,250
NON-METRO


--------------------------------------------------------------------------------

MENDOCINO $512,500 $656,100 $793,050 $985,600
UKIAH, CA (MICRO)


--------------------------------------------------------------------------------

MERCED $472,500 $604,900 $731,150 $908,650
MERCED, CA (MSA)


--------------------------------------------------------------------------------

MODOC $271,050 $347,000 $419,425 $521,250
NON-METRO


--------------------------------------------------------------------------------

MONO $529,000 $677,200 $818,600 $1,017,300
NON-METRO


--------------------------------------------------------------------------------

MONTEREY $729,750 $934,200 $1,129,250 $1,403,400
SALINAS, CA (MSA)


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NAPA $729,750 $934,200 $1,129,250 $1,403,400
NAPA, CA (MSA)


--------------------------------------------------------------------------------

NEVADA $562,500 $720,100 $870,450 $1,081,750
TRUCKEE-GRASS VALLEY, CA (MICRO)


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ORANGE $729,750 $934,200 $1,129,250 $1,403,400
SANTA ANA-ANAHEIM-IRVINE, CA METROPOLITAN DIVISION


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PLACER $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)


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PLUMAS $410,000 $524,850 $634,450 $788,450
NON-METRO


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RIVERSIDE $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)


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SACRAMENTO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)


--------------------------------------------------------------------------------

SAN BENITO $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)


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SAN BERNARDINO $500,000 $640,100 $773,700 $961,550
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (MSA)


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SAN DIEGO $697,500 $892,950 $1,079,350 $1,341,350
SAN DIEGO-CARLSBAD-SAN MARCOS, CA (MSA)


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SAN FRANCISCO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI


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SAN JOAQUIN $488,750 $625,700 $756,300 $939,900
STOCKTON, CA (MSA)


--------------------------------------------------------------------------------

SAN LUIS OBISPO $687,500 $880,100 $1,063,850 $1,322,150
SAN LUIS OBISPO-PASO ROBLES, CA (MSA)


--------------------------------------------------------------------------------

SAN MATEO $729,750 $934,200 $1,129,250 $1,403,400
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI


--------------------------------------------------------------------------------

SANTA BARBARA $729,750 $934,200 $1,129,250 $1,403,400
SANTA BARBARA-SANTA MARIA, CA (MSA)


--------------------------------------------------------------------------------

SANTA CLARA $729,750 $934,200 $1,129,250 $1,403,400
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (MSA)


--------------------------------------------------------------------------------

SANTA CRUZ $729,750 $934,200 $1,129,250 $1,403,400
SANTA CRUZ-WATSONVILLE, CA (MSA)


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SHASTA $423,750 $542,450 $655,700 $814,900
REDDING, CA (MSA)


--------------------------------------------------------------------------------

SIERRA $304,750 $390,100 $471,550 $586,050
NON-METRO


--------------------------------------------------------------------------------

SISKIYOU $293,750 $376,050 $454,550 $564,900
NON-METRO


--------------------------------------------------------------------------------

SOLANO $557,500 $713,700 $862,700 $1,072,150
VALLEJO-FAIRFIELD, CA (MSA)


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SONOMA $662,500 $848,100 $1,025,200 $1,274,050
SANTA ROSA-PETALUMA, CA (MSA)


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STANISLAUS $423,750 $542,450 $655,700 $814,900
MODESTO, CA (MSA)


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SUTTER $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)


--------------------------------------------------------------------------------

TEHAMA $312,500 $400,050 $483,550 $600,950
RED BLUFF, CA (MICRO)


--------------------------------------------------------------------------------

TRINITY $271,050 $347,000 $419,425 $521,250
NON-METRO


--------------------------------------------------------------------------------

TULARE $325,000 $416,050 $502,900 $625,000
VISALIA-PORTERVILLE, CA (MSA)


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TUOLUMNE $437,500 $560,050 $677,000 $841,350
PHOENIX LAKE-CEDAR RIDGE, CA (MICRO)


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VENTURA $729,750 $934,200 $1,129,250 $1,403,400
OXNARD-THOUSAND OAKS-VENTURA, CA (MSA)


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YOLO $580,000 $742,500 $897,500 $1,115,400
SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA (MSA)


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YUBA $425,000 $544,050 $657,650 $817,300
YUBA CITY, CA (MSA)


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.