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san diego: How long do I have to wait to get a VA Loan after a Short Sale? - 04/23/12 08:50 AM
How long do I have to wait to get a VA Loan after a Short Sale?
Many Veterans have encountered financial Hardship during the past several years, including the Short Sale of their home. Active Duty Recalls, Deployments, Overseas Tours, Risky Mortgage Loans, falling Real Estate Prices, Unemployment, etc have created financial Hardship for many Veterans across the Country, resulting in the necessity to Short Sell their home.
We have good news for our Vets: You can get a VA Loan soon as 2 years after the Short Sale Date in California. Some cases qualify even sooner.
California VA Loans After Short … (0 comments)
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san diego: How long do I have to wait to get a VA Loan after Bankruptcy? - 04/23/12 08:49 AM
How long do I have to wait to get a VA Loan after Bankruptcy?
Many Veterans have encountered financial Hardship during the past several years. Active Duty Recalls, Overseas Tours, Risky Mortgage Loans, falling Real Estate Prices, Unemployment, etc have created financial Hardship for many Veterans across the Country, resulting in Bankruptcy for the Veteran.
We have good news for our Vets: You can get a VA Loan soon as 2 years after Bankruptcy Discharge
California VA Loans After Bankruptcy: the minimum waiting period is 2 years after the Bankruptcy Discharge (for Chapter 7). It will require that you have zero … (0 comments)
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san diego: How long do I have to wait to get a VA Loan after Foreclosure? - 04/23/12 08:47 AM
How long do I have to wait to get a VA Loan after Foreclosure?
Many Veterans have encountered financial Hardship during the past several years. Active Duty Recalls, Deployments, Overseas Tours, Risky Mortgage Loans, falling Real Estate Prices, Unemployment, etc have created financial Hardship for many Veterans across the Country, resulting in a Foreclosure of the Veteran's home.
We have good news for our Vets: You can get a VA Loan soon as 2 years after the Foreclosure Sale Date in California.
California VA Loans After Foreclosure: the minimum waiting period is 2 years after the Foreclosure Sale Date. The Underwriter will … (0 comments)
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san diego: VA Loans after Hardship - Bankruptcy, Foreclosure, Short Sale - 04/16/12 09:33 AM
California VA Loans after Hardship - Bankruptcy, Foreclosure, Short Sale
Many Veterans have encountered financial Hardship during the past several years. Active Duty Recalls, Overseas Tours, Risky Mortgage Loans, falling Real Estate Prices, Unemployment, etc have created financial Hardship for many Veterans across the Country in the form of Bankruptcy, Foreclosure and Short Sale.
We have good news for our Vets: You can get a VA Loan soon as 2 years after one of these events.
Here is a quick list of the waiting period for each Hardship.
California VA Loans After Financial Hardship:
VA Loans after Bankruptcy - as … (0 comments)
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san diego: Can I Buy a home in San Diego with no PMI or MIP? - 04/02/12 08:52 AM
Can I Buy a home in San Diego with no PMI or MIP?
We offer San Diego and San Diego County Homebuyers up to 95% ltv with no monthly PMI, MI, or MIP. We offer the NO PMI Purchase Loan up to $417K loan amounts.
We offer up to 95% financing throughout San Diego and San Diego County with no MI, PMI, or MIP.
Many San Diego Homebuyers ask the question: Can I get a Home Loan without PMI or MIP to buy a home? How do I avoid PMI or MIP? (or Mortgage Insurance?). The answer … (0 comments)
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san diego: Enhanced Refinance Options for San Diego Fannie Mae and Freddie Mac Loans - HARP 2012 - 03/19/12 09:40 AM
Enhanced Refinance Options for San Diego Fannie Mae and Freddie Mac Loans - HARP 2012
Fannie Mae & Freddie Mac have both extended and enhanced the HARP Refinance program for 2012 for San Diego homeowners. HARP = Home Affordable Refinance Program for Conventional Conforming loans.
This program offers savings for Underwater San Diego Homeowners! Many homeowners previously denied for Harp Refinance Loans will now qualify.
The Regulator for Government run Fannie Mae and Freddie Mac has authorized improvements and an extension on the HARP Refinance initiative in 2012 for San Diego, California Homeowners. This is also called the Home Affordable Refinance … (0 comments)
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san diego: VA IRRRL Streamline Refinance Options for San Diego Veterans - 03/19/12 12:22 AM
VA IRRRL Streamline Refinance Options for San Diego Veterans
The VA IRRRL Streamline Refinance is a great option to reduce the interest rate on your San Diego VA Loan. The VA Streamline requires reduced documentation, and offers a streamlined process.
VA IRRRL (Interest Rate Reducing Refinance Loan) Streamlines and VA Jumbo Streamlines are available for Owner Occupied Homes, Single Family Homes, Condo’s, Second Homes, and Rental Properties secured by VA and VA Jumbo Loans. (Rental Properties are also known as Non-owner, or Investment Homes)
Basic requirements for a San Diego VA IRRRL Streamline Refinance:
>On-time Mortgage Payments last 6 months
… (0 comments)
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san diego: Can I refinance my San Diego home loan with no Monthly PMI or MIP? - 03/19/12 12:13 AM
Can I refinance my San Diego home loan with no Monthly PMI or MIP?
We offer San Diego Refinances up to 95% ltv with no Monthly PMI, no MI, and no MIP. Available up to $417K loan amounts.
Many San Diego and California Homeowners ask the question: Can I refinance my San Diego Home Loan without PMI or MIP? How do I eliminate my PMI or MIP? (or how do I eliminate Mortgage Insurance?). The answer is our NO PMI refinance Loan - available up to 95% Loan to Value on Refinances. You don't have to wait until … (0 comments)
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san diego: San Diego FHA Streamline Refinances - new improvements for 2012 - 03/17/12 07:11 AM
San Diego FHA Streamline Refinances - new improvements for 2012
Improved Options for San Diego FHA Streamline Refinances are coming. The Whitehouse announced this week that HUD has authorized changes to the FHA Streamline Refinance Program that will help many San Diego Homeowners with FHA Loans made prior to June 1, 2009 save hundreds per month.
The options for FHA Streamlines for San Diego Homeowners have been prohibitive recently due to increased FHA Mortgage Insurance rates. The new program will reduce the Upfront Mortgage Insurance Premium (UFMIP) to .01% according the news release by the Whitehouse today (that is less than … (0 comments)
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san diego: Can I Purchase a home in San Diego with no PMI or MIP? - 02/20/12 09:30 AM
Can I Purchase a home in San Diego with no PMI or MIP?
We offer San Diego Homebuyers up to 95% ltv with no monthly PMI, MI, or MIP. We offer the NO PMI Purchase Loan up to $417K loan amounts.
We offer up to 95% financing throughout San Diego, California with no MI, PMI, or MIP.
Many San Diego Homebuyers ask the question: Can I get a Home Loan without PMI or MIP to buy a home? How do I avoid PMI or MIP? (or Mortgage Insurance?). The answer is our NO PMI Purchase Loan - available up … (0 comments)
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san diego: VA IRRRL Streamline Refinance for California Non-owner occupied Homes - 02/04/12 12:10 PM
Can I get a VA IRRRL Streamline Refinance for my California Non-owner occupied home?
A common question for Califonia Veterans and California based Active Duty Military Personel who have utilized their VA Benefit to purchase a home in California using a VA Loan, and then are transferred to another area, often via PCS out of state. Or if they have purchased another home to adjust to a new family size or larger home, etc.
So what is the answer to the question - Can I get a VA IRRRL Streamline Refinance for my Non-owner occupied home? (AKA Rental Home or … (0 comments)
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san diego: 100% financing in California - 2012 Loan Options - 01/14/12 07:19 PM
100% financing in California - 2012 Loan Options
There have been alot of change in the Mortgage industry the past couple years, especially with regard to 100% financing, or no-money down loans to purchase a home. We offer two separate US Government backed programs that allow for zero down, or no down payment 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 … (0 comments)
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san diego: FHA Loan Limits for California Counties in 2012 - 01/02/12 03:59 PM
California FHA Loan Limits for 2012
For 2012, Congress has restored the higher FHA Loan Limits also known as Temporary High Balance or FHA Jumbo Loan Limits. These allow homebuyers to purchase homes in higher cost areas with as little as 3.5% down payment. The higher FHA Loan Limits also allow homeowners to refinance their non-FHA loans into safe, secure FHA loans up to 97.75% Loan to value, and can even help you consolidate your first and second mortgage in one loan with a 30 year fixed rate. VanDyk Mortgage allows you to consolidate a second mortgage or Home Equity … (0 comments)
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san diego: California Conforming Loan Limits for 2012 - 01/01/12 06:22 PM
2012 California FNMA & FHLMC - Fannie Mae & Freddie Mac Loan limits 2012
Fannie Mae & Freddie Mac have announced Conforming loan limits for 2012. 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 Permanent High Cost Loan Limit established in the HERA bill. These loans are also called Conforming Jumbo, Conforming High Balance, or Super Conforming loans.
There are different debt ratio maximums and loan to value ratios for the Fannie Mae & Freddie Mac loans that exceed … (0 comments)
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san diego: Refinance Options for Owners with Multiple Properties - 12/26/11 04:22 PM
Refinance Options for Owners with Multiple Properties
Many Real Estate Investors with Multiple financed properties run into difficulty when trying to Refinance their Primary Homes, Second Homes, and Rental Homes due to limits many Lenders place on Total Number of Financed Properties that may be owned by applicants. We allow you to have up to 10 financed Properties when Refinancing your Investment Home or Second Home. If you are financing your Primary home, we do not limit how many other properties you may own.
We offer Refinance options for Second Homes or Investment properties (NOO) for owners … (0 comments)
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san diego: New California VA Loan Limits for 2012 announced - 12/08/11 07:35 PM
New California VA Loan Limits for 2012 announced
The VA has announced the 2012 VA Loan Limits for CA that will be effective Jan 1, 2012 - Dec 31, 2012. New California VA Loan Limits in 2012 are capped at $625,500 due to changes in the formula the Veterans Administration is required to use.
Loan Limits in California counties such as Alameda, Contra Costa, Marin, San Benito, San Francisco, San mateo, and Santa Clara are now at $625,500. Los Angeles and Orange Counties are now at $621,000. Santa Barnara county is at $598,000, and San Diego has … (0 comments)
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san diego: VA Announces 2012 VA Loan Limits - 12/06/11 04:42 PM
VA Announces 2012 VA Loan Limits
The VA has announced the 2012 VA Loan Limits that will be effective Jan 1, 2012 - Dec 31, 2012. New VA Loan Limits in 2012 are capped at $625,500 due to changes in the formula the Veterans Administration is required to use.
Loan Limits in California counties such as Alameda, Contra Costa, Marin, San Benito, San Francisco, San mateo, and Santa Clara are now at $625,500. Los Angeles and Orange Counties are now at $621,000. Santa Barnara county is at $598,000, and San Diego has a $477,000 VA Loan limit … (0 comments)
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san diego: VA Authorizes Huge Opportunity for Veterans to Refinance at lower costs - 09/18/11 04:55 PM
VA Authorizes Huge Opportunity for Veterans to Refinance at lower costs
*** update - Congress has repealed the changes to the VA Funding Fee that were to take effect Oct 1, and then again on Nov 17. VA Funding Fees are expected to remain at prior levels for the next 2 years.
The VA is lowering the VA Funding Fee beginning Nov 17, 2011. This creates a huge opportunity for Veterans to Refinance using a VA Loan or VA Jumbo Loan at much lower costs. The VA Funding Fee for a 90% loan to value refinance is being … (0 comments)
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san diego: VA Loan Costs to go down Nov 17, 2011 - 09/18/11 04:31 PM
VA Loan Costs to go down Nov 17, 2011 - the VA has delayed implementation to Nov 17, barring Congressional Legislation or intervention
*** update - Congress has repealed the changes to the VA Funding Fee that were to take effect Oct 1, and then again on Nov 17. VA Funding Fees are expected to remain at prior levels for the next 2 years.
The VA Funding Fee is set to go down on Nov 17, 2011. The Veterans Administration has announced that on Nov 17, 2011, they will institute a new VA Funding Fee Structure for both VA … (0 comments)
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san diego: The MI Removal Loan - San Marcos NO MI Refinance - 09/12/11 12:41 PM
The MI Removal Loan - San Marcos 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 San Marcos, CA with no MI, PMI, or MIP.
Recent changes to FHA Streamline MIP Rates have made streamline refinancing FHA Loans less attractive for San Marcos 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 … (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
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