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carlsbad: The MI Removal Loan - Carlsbad NO MI Refinance - up to 95% ltv with no PMI, no MI, and no MIP - 09/12/11 12:41 PM
The MI Removal Loan - Carlsbad NO MI Refinance - up to 95% ltv with no PMI, no MI, and no MIP.   Available up to $417K loan amounts.  
We offer up to 95% financing in Carlsbad, CA with no MI, PMI, or MIP. 
Recent changes to FHA Streamline MIP Rates have made streamline refinancing FHA Loans less attractive for Carlsbad and California homeowners, as the Monthly MIP Charge is double what is was just 2 years ago (now at a1.15% annual factor.   You can utlize our MI Removal Loan to get the monthly savings you deserve.
You can refinance your … (0 comments)

carlsbad: Fannie Mae & Freddie Mac extend HARP Refinance program into 2012 for California homeowners - - 08/20/11 07:42 PM
Fannie Mae & Freddie Mac extend HARP Refinance program into 2012 for California 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 2012 for California Homeowners.  This is also called the Home Affordable Refinance Program.   This program allows California homeowners with loans currently owned by Fannie Mae or Freddie Mac to refinance with expanded qualifications such as reduced appraisal requirements, higher Loan to Values allowable, reduced income documention, etc.
The Fannie Mae program is called Harp, Refi Plus … (0 comments)

carlsbad: San Diego Conventional Loans with 3% down payment - Yes, in California! - 97% conventional financing options for San Diego Home Buyers - 05/28/11 03:57 PM
 
San Diego Conventional Loans with 3% down payment - Yes, in California!  - 97% conventional financing options for San Diego Home Buyers
VanDyk Mortgage offers Conventional Purchase and Refinance loans up to $417,000 with just a 3% down payment for San Diego County Homes.   Here are some basic details:
San Diego and San Diego county Cities are now eligible for our Conventional Loans up to 97% Loan to Value - Only 3% down payment is required.   We do not consider San Diego a declining market, so we are able to offer these enhanced 97%/ 3% down financing options … (0 comments)

carlsbad: San Diego VA Loan info - VA & VA Jumbo Loans - Direct Lender - 09/29/10 01:09 AM
San Diego VA Loans and VA Jumbo Home Mortgage Loans - VanDyk Mortgage - VA Lender & VA Jumbo Lender.   VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in San Diego.  We have been making VA 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.
VA Purchase Loans VA Jumbo Purchase Loans & FHA Jumbo (aka High Balance) VA Refinance Loan VA Jumbo Refinance Loans VA IRRRL Streamline Refinance VA Jumbo IRRRL Streamline Refinance San Diego VA … (0 comments)

carlsbad: Oceanside VA Condo Loans -VA Loans to buy or refinance Condo's and Condominiums in Oceanside - 06/02/10 01:22 AM
Oceanside VA Condo Loans -VA Loans to buy or refinance Condo's and  Condominiums in Oceanside
VanDyk Mortgage is a VA Lender offering VA Loans to purchase or refinance Condominiums in Oceanside, CA.   The tightening credit market of the past couple years has made it more difficult to attain financing on 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 … (0 comments)

carlsbad: Home Buyer Tax Credit for Veterans good until 2011 - 05/10/10 08:57 PM
Home Buyer Tax Credit for Veterans good until 2011
The Federal Homebuyer Tax Credit is still alive for qualified Veterans.   Members of the U.S. military, Foreign Service and Intelligence Communities still have one more year to purchase a home and claim the home buyer tax credit.  
Any service member who is or has been on extended duty (overseas) for 90 days or more between Jan. 1, 2009 to April 30, 2010, has until April 30, 2011, to sign a purchase contract and until June 30, 2011 to close on the property sale. 
The Extension includes the $8,000 first-time homebuyer tax credit and … (0 comments)

carlsbad: Temecula FHA Lender - VA Lender - California FHA Loan & VA Loan info for Temecula California -CA - 04/05/10 02:20 PM
Temecula 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 Temecula. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Temecula Homebuyers and Temecula 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 Temecula FHA Loans are available up to $500,000 with just … (0 comments)

carlsbad: Murrieta VA Loans and Murrieta FHA Loans - California VA Lender & FHA Lender - Home Mortgage - 04/05/10 02:13 PM
Murrieta 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 Murrieta. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Murrieta Homebuyers and Murrieta 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 Murrieta FHA Loans are available up to $500,000 … (0 comments)

carlsbad: Carlsbad VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender California - 04/04/10 02:50 PM
Carlsbad 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 Carlsbad.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Carlsbad Homebuyers and Carlsbad 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 Carlsbad FHA Loans are available up to $697,500 with just … (0 comments)

carlsbad: Getting FHA & VA purchase offers approved - 04/04/10 12:07 PM
Getting FHA & VA purchase offers approved can seem daunting to a home buyer (and Realtors too).  
Many buyers experience a long frustrating process when trying to bid on Bank Owned, REO, Short Sale, or Corporate Owned Properties with a FHA loan or VA loan.   Why is this?   Steve Hall with RE/Max United,  one of our preferred Realtors here in North County San Diego, wrote a great success story on his blog regarding FHA & VA purchase offers.  
I fully agree with Steve that it boils down to much more than the type of loan you are using when trying to get an offer … (0 comments)

carlsbad: FHA Streamline Refinances and 2010 Loan Limits - 02/27/10 01:10 PM
VanDyk Mortgage allows FHA Streamline Refinances ABOVE 2010 loan limits.   VanDyk Mortgage now allows FHA Streamline Refinances ABOVE the 2010 FHA loan limits.
VanDyk Mortgage will allow you to refinance your FHA Loan via the FHA Streamline Refinance even if your loan balance exceeds the 2010 FHA Loan limits for your area. 
Please call for details, 866-900-2342 toll free - ask for Brian Skaar.  
VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender.  Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 … (0 comments)

carlsbad: Consumer help for ARM or Adjustable Rate Mortgage Holders - 07/09/08 11:48 PM
When we first start working with a client, We tell you that our company is different from others in the mortgage industry. We will always keep you up-to-date on the major changes in the market that could affect your financial goals or the goals of those close to you. This is one of those times. In a recent New York Times article, the subprime lending collapse was faulted for "industry-wide problems" that affect more than just those borrowers with poor credit or subprime Adjustable Rate Mortgages (ARMs). Now, because of credit tightening, even borrowers with good credit and A-paper ARMs are expected … (0 comments)

carlsbad: Homebuyers can now use FHA loans for Bank-Owned and REO propeties - 07/02/08 12:09 AM
HUD has recently made changes allowing homeowners to qualify for FHA loans when buying homes that have been foreclosed, returned to lender (deed in lieu of foreclosure),  AKA REO properties.   REO stands for Real Estate Owned, which are essentially Bank Owned Repos.    Outdated regulations from HUD to prohibit property flipping and false price appreciation made it difficult for banks to sell recently foreclosed properties due to a HUD rule which prohibited the use of a FHA loan to purchase a home that had not been owned by the seller for atleast 90 days.   This has now been lifted until June 2009.  
(0 comments)

carlsbad: FHA Jumbo or FHA Stimulus Size - what is it called? - 05/18/08 11:35 PM
There is some confusion out in the media about the new FHA loan limits and just what to call these new loans.   We have several investors that call these Stimulus Size FHA loans, and some call them FHA Jumbo loans.   We just call them great loans.  Your buyers can benefit greatly from these loans.
These loans can qualify borrowers in high cost areas for much higher loan amounts for safe, secure FHA loans with just 3% down payment or 3% equity for refinance.   The available loan amounts in areas such as Los Angeles & Orange County, & San Francisco (and much of the Bay Area) … (0 comments)

carlsbad: FHA Jumbo or FHA Stimulus Size - what should we call it? - 05/18/08 11:33 PM
There is some confusion out in the media about the new FHA loan limits and just what to call these new loans.   We have several investors that call these Stimulus Size FHA loans, and some call them FHA Jumbo loans.   We just call them great loans.  
These loans can qualify borrowers in high cost areas for much higher loan amounts for safe, secure FHA loans with just 3% down payment or 3% equity for refinance.   The available loan amounts in areas such as Los Angeles & Orange County, & San Francisco (and much of the Bay Area) now allow loans up to $729,750 with … (0 comments)

 
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Brian Skaar, FHA, VA, Jumbo,Conv. Lender CA,WA

San Marcos, CA

More about me…

VanDyk Mortgage - VA, USDA, & FHA Direct Lenders since 1987

Address: San Marcos, CA, 92069

Office Phone: (760) 752-4480

Email Me

Brian's Government Home Mortgage Blog includes topics on Mortgage Lending, FHA loans, VA Loans, USDA Loans, VA Jumbo Loans, FHA Jumbo Loans, 203K loans, Conventional Loans, Jumbo Loans, No PMI Loans, Conforming High Balance Loans, changes in lending guidelines, San Diego, Los Angeles, Bay Area, Northern California & Southern California Real Estate & Loans, Seattle Area Real Estate & Loans, Washington Loans, and more. NMLS ID: 3035 - VanDyk Mortgage Corp NMLS ID 220268 Brian Skaar - Loan Originator http://www.nmlsconsumeraccess.org/ All content Copyright © 2011 VanDyk Mortgage, all rights reserved.


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