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

Los Angeles County VA and VA Jumbo Loan info - Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in Los Angeles County, CA. We have been helping Veterans with VA loans since 1987. VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans. We offer many VA loan programs for Los Angeles County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program. · VA Loans (Purchase and Refinance) · VA Jumbo Loans (Purchase and Refinance) · VA Loans for Condo's (Purchase and Refinance) · VA Streamline Refinance (IRRRL) · VA Jumbo Streamline Refinance (IRRRL) Los Angeles County VA Loans are available up to $700,000 with Zero down payment required. The Los Angeles County VA Loan Limit in 2011 is $700,000. We do not limit Veterans to the County Loan limit of $700,000 for Los Angeles County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit. If your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit. VA Home Loans in Los Angeles County, California: Active Duty Military and Veterans can both qualify 100% financing up to $700,000 A $700,000 Los Angeles County VA Home Purchase would only require a $12,500 down payment ( 1.67%) - not including the VA Funding Fee A $860,000 Los Angeles VA Home Purchase would only require $40,000 down payment ( 4.65%) - not including the VA Funding Fee A $1,100,000 Los Angeles VA Home or Condominium Purchase would require a $100,000 ( 9.09%) not including the VA Funding Fee VA Loans require no Mortgage Insurance VA Loans do require a VAFF (VA Funding Fee), which is usually financed Veterans with a 10% or higher VA disability pay no VA Funding fee Sellers can pay up to 4% of the VA Buyers closing costs VA Approved Condo's can utilize VA Loans too Your VA Benefit can be used more than once VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex). (Refinance also) We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA. VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans. Go with the Government Loan Pros, go with VanDyk. Call Brian Skaar at 760-752-4480 for help with your VA loan financing. We service the following cities in Los Angeles county: Agoura Hills, Alhambra, Arcadia, Artesia, Avalon, Azusa, Baldwin Park, Bell, Bellflower, Bell Gardens, Beverly Hills, Bradbury, Burbank, Calabasas, Carson, Cerritos, Claremont, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardenia, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada, La Canada Flintridge, La Habra, La Habra Heights, Lakewood, La Mirada, Lancaster, La Puente, La Verne, Lawndale, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sheman Oaks, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whitter, and all areas within the county as well.

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

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

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

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

San Francisco County VA Loans are available up to $1,000,000 with Zero down payment required. The San Francisco County VA Loan Limit in 2011 is $1,000,000. We do not limit Veterans to the County Loan limit of $1,000,000 for San Francisco County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in San Francisco County, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $1,000,000
• A $1,000,000 San Francisco County VA Home Purchase would only require a $25,000 down payment ( 2.27%) - not including the VA Funding Fee
• A $1,275,000 San Francisco VA Home Purchase would only require $68,750 down payment ( 5.39%) - not including the VA Funding Fee
• A $1,500,000 San Francisco VA Home or Condominium Purchase would require a $125,000 ( 8.33%) not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Approved Condo's can utilize VA Loans too
• Your VA Benefit can be used more than once

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


We offer VA financing on VA Approved Condo's. Here is a link to the new Veterans Administration VA Approved Condo Search Engine. Please call us if you have questions or need help with your VA Approved Condo search, we are here to help. We can also assist in getting your VA Condo Approved with the VA.

VanDyk Mortgage has been helping Veterans with VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also. We are a VA Lender and VA Jumbo Lender. We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

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

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

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

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

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

San Diego County VA Loans are available up to $537,500 with Zero down payment required. The San Diego County VA Loan Limit in 2011 is $537,500. We do not limit Veterans to the County Loan limit of $537,500 for San Diego County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in San Diego County, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $537,500
• A $537,500 San Diego County VA Home Purchase would only require a $5,625 down payment ( 1. %) - not including the VA Funding Fee
• A $650,000 San Diego VA Home Purchase would only require $28,125 down payment ( 4.33%) - not including the VA Funding Fee
• A $850,000 San Diego VA Home or Condominium Purchase would require a $78,125 ( 9.19%) not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Approved Condo's can utilize VA Loans too
• Your VA Benefit can be used more than once

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


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

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

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

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

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

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

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

San Bernardino County VA Loans are available up to $417,000 with Zero down payment required. The San Bernardino County VA Loan Limit in 2011 is $417,000. We do not limit Veterans to the County Loan limit of $417,000 for San Bernardino County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in San Bernardino County, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $417,000
• A $417,000 San Bernardino County VA Home Purchase would only require a $10,750 down payment ( 2.34%) - not including the VA Funding Fee
• A $580,000 San Bernardino VA Home Purchase would only require $40,750 down payment ( 7.03%) - not including the VA Funding Fee
• A $725,000 San Bernardino VA Home or Condominium Purchase would require a $77,000 (10.62%) not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Approved Condo's can utilize VA Loans too
• Your VA Benefit can be used more than once

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


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

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

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

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

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

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

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

Sacramento County VA Loans are available up to $417,000 with Zero down payment required. The Sacramento County VA Loan Limit in 2011 is $417,000. We do not limit Veterans to the County Loan limit of $417,000 for Sacramento County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in Sacramento County, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $417,000
• A $417,000 Sacramento County VA Home Purchase would only require a $14,500 down payment ( 3.05%) - not including the VA Funding Fee
• A $625,000 Sacramento VA Home Purchase would only require $52,000 down payment ( 8.32%) - not including the VA Funding Fee
• A $950,000 Sacramento VA Home or Condominium Purchase would require a $133,250 (14.03%) not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Approved Condo's can utilize VA Loans too
• Your VA Benefit can be used more than once

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

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

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

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

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

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

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

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

Riverside County VA Loans are available up to $417,000 with Zero down payment required. The Riverside County VA Loan Limit in 2011 is $417,000. We do not limit Veterans to the County Loan limit of $417,000 for Riverside County VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.
Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.
VA Home Loans in Riverside County, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $417,000
• A $417,000 Riverside County VA Home Purchase would only require a $8,250 down payment ( 1.83%) - not including the VA Funding Fee
• A $575,000 Riverside VA Home Purchase would only require $39,500 down payment ( 6.87%) - not including the VA Funding Fee
• A $750,000 Riverside VA Home or Condominium Purchase would require a $83,250 (11.1 %) not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Approved Condo's can utilize VA Loans too
• Your VA Benefit can be used more than once

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

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

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

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

100 percent Home Loans - California Options for 2011

100 percent Home Loans - California Options for 2011 


Two options for 100% Financing for California home buyers

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

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

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


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


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


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


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