95: Downpayment from Gift Funds for 95% Conforming Loans - 02/19/14 04:21 AM
Downpayment from Gift Funds for 95% Conforming Loans
We now offer 95% conventional loans (5% down) up to $417K with the entire down payment can be from gift funds. 
Recent upgrades from our PMI providers make this new option available.   Fannie Mae and Freddie Mac lifted their Gift Fund resctrictions last year.   The gift funds do have to be sourced,  be from an immediate family member, and be documented. We can help guide you in the process to make sure this is handled correctly. 
We allow gift funds for 5% Down Conforming Loans  on Single Family Residences and Condominiums up to $417K. 
We … (0 comments)

95: California Condo - 95% Financing Options - 01/14/12 11:07 AM
California Condo - 95% Financing Options 
California Condo Financing Options up to 95% with Conventional Financing - there are a variety of loans available to finance condo purchases and refinances in California - FHA - VA - Conventional - Jumbo,  We will highlight our 95% Conventional Loan for California Condo Purchases. 
California Condo Financing - 95% Conventional Loan - aka 95% Conforming Loan
We offer Conventional Loans with just 5% down payment to finance Condo's throughout California 
VanDyk Mortgage offers Conventional Purchase loans for Condominiums up to $417,000 with just a 5% down payment.   Here are some basic details:
California and … (0 comments)

95: Washington Refinance up to 95% LTV - Conventional Loan - 01/14/12 10:53 AM
 Washington Refinance up to 95% LTV - Conventional Loan
We offer Conventional Loans up to 95% (5% equity) to refinance single family homes throughout Washington.  VanDyk Mortgage is a Direct Lender serving Washington.
Here are some Highlights: 
Competitive 30 year fixed rate (call for today's rate) Loan amounts up to $417K Available throughout Washington No declining market restrictions  Condo's OK up to 95% Maximum debt ratio - 45% Minimum downpayment - 5% Minimum Fico - 660 Primary Occupancy Homes only Ask about no Monthly PMI options!
Take advantage of the record low interest rates now.  
 
Call 760-752-4480 and we … (0 comments)

95: The MI Removal Loan - California Refinance - up to 95% ltv with no PMI, no MI, and no MIP - 09/11/11 12:04 PM
The MI Removal Loan - California 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 California with no MI, PMI, or MIP. 
Many California Homeowners ask the question:  How do I eliminate my PMI or MIP?  (or Mortgage Insurance?).   The answer is our NO MI refinance Loan - available up to 95% Loan to Value.  You don't have to wait until you are at 78% loan to value to get that PMI or MIP removed. This could save you hundreds per month. … (0 comments)

95: Rate Update and Alert - Conventional Purchase and Refinance Loans at all time lows - 08/04/11 06:23 AM
Rate Update and Alert - Conventional Purchase and Refinance Loans at all time lows
Rates for Conventional Purchase and Refinance Loans  (aka Conforming Loans or Fannie Mae Loans) are now at all -time lows.  
The US Debt Ceiling Saga, and with World and Euro Money market worries continue to cast doubt about the economic recovery worldwide.   This has Driven US Mortgage rates down, especially Conforming Loans and Conventional Loans under $417K such as Fannie Mae and Freddie Mac Loans.   
If your current Interest Rate is too high (4.875% or higher),  please give us a call to get started and lock in your low rate.    … (0 comments)

95: California Condo Financing - 95% Conventional Loan - 04/13/11 04:06 PM
California Condo Financing - 95% Conventional Loan
We offer Conventional Loans with just 5% down payment to finance Condo's in California 
VanDyk Mortgage offers Conventional Purchase loans for Condominiums up to $417,000 with just a 5% down payment.   Here are some basic details:
California and Washington state are now eligible for our Conventional Fannie Mae Condo Loans up to 95% Loan to Value - Only 5% down payment is required.   We do not consider CA a declining market, so we are able to offer these enhance financing options for Conventional loans.
Minimum credit score = 680
Maximum Debt Ratio = 41% … (0 comments)

95: 5% down payment conventional loans for California - 08/24/10 06:09 AM
5% down payment conventional loans for California
5% downpayment Conforming loans, aka the 95% option haven't been around for a couple years in California, except for FHA loans.  For homeowners looking to purchase or refinance, this could be a welcome update.   Here is our article on 95% financing in CA.  
With changes to FHA Loan Mortgage Insurance Premiums, the Conforming 95% option is worth a look.  Check out our comparisons of FHA loans vs Conforming loans.
FHA Changes to Mortgage Insurance Premiums authorized in House Bill HR 5981
Part 1:  Why FHA Loans will still be the better choice for many … (0 comments)

95: 95% option for WA homeowners - 06/20/10 07:57 PM
The 95% option hasn't been around for a couple years.  For homeowners looking to refinance, this could be a welcome update.   Here is our article on 95% financing in WA .  
Call VanDyk to find out if this option can help you into a fixed rate or to consolidate your first and second mortgage Loans. 
We are a FHA Lender, VA Lender, and Direct Lender, and proudly serve the following Cities in Washington:  Aberdeen, Airway Heights, Algona, Anacortes, Arlington, Auburn, Battle Ground, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Burien, Burlington, Camas, Centralia, Chehalis, Cheney, Clarkston, College Place, Colville, Connell, Covington, Des Moines, … (0 comments)

95: 95% financing in Washington with NO MI or PMI - 06/20/10 07:51 PM
We now offer 95% financing in Washington with no MI (IE No Private Mortgage Insurance) 95% financing in Washington with NO MI or PMI!
VanDyk mortgage offers Mortgage Loans up to 95% loan to value with No Mortgage Insurance required.  This new loan allows you to finance up to 95% of the Purchase price of your new home with ZERO Mortgage Insurance (MI).     
Loan amounts up to $417K are eligible up to 95%.      
This is even available throughout Washington State with these terms.     
There are no Declining Market restrictions on this loan program.  
We also offer these … (0 comments)

95: 95% financing in California with no MI - 06/20/10 07:47 PM
We now offer 95% financing in California with no MI (IE No Private Mortgage Insurance)
VanDyk mortgage offers Mortgage Loans up to 95% loan to value with No Mortgage Insurance required.  This new loan allows you to finance up to 95% of the Purchase price of your new home with ZERO Mortgage Insurance (MI).     
Loan amounts up to $417K are eligible up to 95%.      
This is even available in California and Washington with these terms.     
There are no Declining Market restrictions on this loan program.  
We also offer these for the High Balance or Conforming Jumbo … (0 comments)

95: National City VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender - 06/01/10 05:09 PM
National City 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 National City.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for National City Homebuyers and National City 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 National City FHA Loans are … (0 comments)

95: 95% Conventional loan in California - no MI required - 05/15/10 04:02 AM
We now offer 95% financing in California with no MI on select foreclosed homes.
When you purchase a Fannie Mae Owned Foreclosure Property, you may be eligible for our new Fannie Foreclosure Mover Loan.   This new loan allows you to finance up to 95% of the Purchase price with ZERO Mortgage Insurance (MI).     
Loan amounts up to $417K are eligible up to 95%.    
Requires a minimum of a 680 middle fico and maximum debt ratio of 41%.   
This is even available in California, Washington,  and Florida with these terms.     
There are no Declining Market restrictions on this … (0 comments)

95: 95% Conventional Loan in Washington - 05/14/10 10:53 AM
95% Conventional Loan in Washington - 5% downpayment or equity
VanDyk Mortgage offers Conventional Purchase and Refinance loans up to $417,000 with just 5% down payment or equity in Washington.   More details coming on this soon.   Here are some basic details:
California, Washington, Arizona, Florida now eligible for our Conventional Fannie Mae Loans up to 95% Loan to Value.  Only 5% down payment required for a Conventional Purchase loan.   Or just 5% equity required for a Conventional Refinance.   Fannie Mae loans are also called conforming Loans.  We do not consider WA a declining market any longer.
Minimum credit score = 680
Maximum Debt Ratio = … (0 comments)

95: 95% Conventional Loan in California - 05/13/10 04:06 AM
VanDyk Mortgage offers Conventional Purchase loans up to $417,000 with just 5% down payment.   We will be posting more details on this soon.   But here are some basic details:
California, Washington, Arizona, Florida now eligible for our Conventional Fannie Mae Loans up to 95% Loan to Value.  Only 5% down payment required.   We do not consider CA a declining market any longer.
Minimum credit score = 680
Maximum Debt Ratio = 41%
Loan amounts up to $417,000 (that would be a purchase price up to $438K with 5% down).
If you don't have a 680 middle score, or have a slightly higher … (0 comments)

 
Brian Skaar, Purchase Loan Specialist - VA, FHA, Conventional (VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender)

Brian Skaar

Purchase Loan Specialist - VA, FHA, Conventional

San Diego, CA

More about me…

VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender

Address: 310 Via Vera Cruz, ste 210 & 211, San Marcos, CA, 92078

Office: (760) 752-4480

Office: 866-900-2342

The Government Loan Pro's Blog includes topics on Government backed Home Mortgage Loans and Lending, VA loans, VA Jumbo Loans, FHA Loans, USDA Loans, FHA Jumbo Loans, VA High Balance Loans, FHA 203K loans, Conventional Loans, Jumbo Loans, No monthly PMI Loans, Piggyback loans, 80/10/10 loans, Conforming High Balance Loans, how to use your VA Home Loan Benefit, San Diego, Los Angeles, SF Bay Area, Northern California and Southern California Home Loans, Seattle - Tacoma - Everett Area Home Loans, Colorado Home Loans, Denver Home Loans, Boulder Home Loans, Texas Home Loans, Dallas Home Loans, Houston Home Loans, San Antonio Home Loans, Virginia Loans, Washington Loans, Georgia Home Loans, Florida Home Loans, and more. Visit us at vandykfunding.com for even more info or to get started. Or give us a call or text at 760-752-4480 direct. NMLS ID: 3035 - VanDyk Mortgage Corp NMLS ID 220268 Brian Skaar - Loan Originator http://www.nmlsconsumeraccess.org/ VanDyk Mortgage is an Equal Housing Opportunity Lender All content Copyright 2007-2024 Brian Skaar & VanDyk Mortgage, all rights reserved.


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