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Los Angeles VA Loans and FHA Home Mortgage Loan info for 2013 - 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 2013 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 $668,750 with zero downpayment. The Los Angeles VA Loan Limit for 2013 is $668K. However, Veterans are not limited to the Los Angeles county Loan limit of $668,750 for our 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 VA Home loan over the County Loan limit: VA Loan over your county limit.
Los Angeles Conforming Loans are available up to $625,500. The Los Angeles Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 10% downpayment or equity. Los Angeles
Home Loan informationFHA 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.
Qualify as soon as 2 years after Bankruptcy discharge, or 3 years after Foreclosure - call for details
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 $668,750
A $768k Los Angeles Home Purchase would only require $25,000 downpayment (3.26%) - not including the VA Funding Fee
VA Loans require no Monthly Mortgage Insurance (no pmi or mip)
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
Qualify as soon as 2 years after Bankruptcy discharge, 2 years after Foreclosure, 2 years after short sale, or if all mortgage payments were made ontime prior to the short sale - no waiting period - call for details to see if you might quailify now
VA Loans are available to purchase or refinance Condominiums. Here is more information on VA Condo Loans for Los Angeles
Conforming Home Loans in Los Angeles, California:
Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
Los Angeles Conforming loans available up to $417,000
Just 3% downpayment required up to $417K
Now available – NO Monthly PMI Loans up to $417K with 5% downpayment
Conforming Jumbo Loans over $417K 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
HARP now available with fewer restrictions to help underwater Homeowners refinance at today’s great rates.
Vandyk Mortgage allows you have up to 10 financed properties
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.
We also serve the entire state of Washington including: Auburn, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Des Moines, Edmonds, Everett, Federal Way, Ferndale, Issaquah, Kent, Kirkland, Lacey, Lake Stevens, Lynnwood, Mercer Island, Mill Creek, Monroe, Montlake Terrace, Mt Vernon, Mukilteo, Olympia, Puyallup, Redmond, Renton, Seatac, Seattle, Silver Lake, Snohomish, Spokane, Sumner, Tacoma, Tumwater, Vancouver, Wenatchee, Woodinville, Yakima and everything inbetween.
Veterans: We are able to help Veterans with a new home purchase as soon as 2 years after Bankruptcy, Foreclosure, or Short Sale (even sooner if Short Sale involved no late payments). Call Today - get back in the market!
VanDyk Mortgage offers Purchase and Refinance Loans up to $417K and up to 95% Loan to Value with ZERO Monthly Mortgage Insurance. Call for details – 760-752-4480 or apply online at www.vandykfunding.com
Have you been discouraged to find out your FHA Loan doesn't qualify for the new, lower MIP rates? We have alternate solutions to save you money on your house payment. Give us a call to explore your options.
All information is subject to change without notice.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.