direct lender: 2016 Washington VA Loan Limits - 12/17/15 05:52 AM
2016 Washington VA Loan Limits have been announced.   The Seattle Area limits for VA Jumbo Loans (aka VA High Balance loans)  have increased to $540,500 for 2016.   The $540,500 loan limit applies to King County, Snohomish County and Pierce County Veteran and active duty military homebuyers as well as VA refinances.   San Juan County has a $483,000 VA loan limit for 2016.  
 
>>> Here is a full list of 2016 Washington Loan Limits by county
 
For help or questions regarding VA Loans, VA High Balance loans, VA Purchase Loans, or VA Refinance Loans, please call us direct at 866-900-2342 or Get Started Here online.    
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direct lender: 2016 California VA Loan Limits - 12/17/15 05:47 AM
2016 California VA Loan Limits have been announced by the VA.   The High Cost area Conforming Loan limits for VA Jumbo (aka VA High Balance) loans will remain at $625,500 for the following California Counties:
Alameda Contra Costa Los Angeles Marin Orange San Benito San Francisco San Mateo Santa Barbara Santa Clara Santa Cruz  
The following counties increased for 2016 for a VA High Balance Single Family Residence:
Monterey County    now at $529,000 Napa County            now at $625,500 San Diego County    now at $580,750 Sonoma County       now at $554,300  
>>> Here is the full list of … (0 comments)

direct lender: 2016 California Conforming Loan Limits - 11/30/15 04:54 AM
2016 California Conforming Loan Limits have been announced by the FHFA.   The High Cost area Conforming Loan limits for Fannie Mae and Freddie Mac Jumbo (aka High Balance) loans will remain at $625,500 for the following California Counties:
Alameda Contra Costa Los Angeles Marin Orange San Benito San Francisco San Mateo Santa Barbara Santa Clara Santa Cruz  
The following counties increased for 2016 for a High Balance Single Family Residence:
Monterey County    now at $529,000 Napa County            now at $625,500 San Diego County    now at $580,750 Sonoma County       now at $554,300  
>>> Here is … (0 comments)

direct lender: The FHA Simple Refinance - 09/15/15 01:58 AM
FHA's Simple Refinance 
On 9-14-2015,  HUD has released new FHA Guidance that includes dozens of changes to FHA Rules for qualifying borrowers to purchase and refinance homes.  This article will focus on FHA's new Simple Refinance.   The new FHA Guidelines eliminated that FHA Streamline Refinance with Appraisal.   This Streamline was beneficial to some FHA refinances as the Closing Costs and Prepaid items such as Property Tax and Insurance could be included in the Loan.   With a FHA Streamline without Appraisal,  the Closing Costs and Prepaid items such as Property Tax and Insurance must be paid either by the borrower … (0 comments)

direct lender: 92101 VA Approved Condo List - 06/07/15 09:13 AM
92101 VA Approved Condo List
San Diego's Downtown neighborhoods offer a perfect location for many US Veterans as well as Active Duty Military.   San Diego's 92101 downtown zip code offers close proximity to many military installations such as MCRD San Diego (Marine Corps Recruit Depot),  Camp Pendleton in North County, MCAS Miramar, Coronado, Balboa Naval Hospital,  32nd Street Naval Base, and North Island NAS to name a few.
VA Approved Condo's are located throughout the 92101 neighborhoods such as East Village,  Little Italy, and the Marina District.   
San Diego  VA Condo loans are available up to $562,350 with zero down required for qualified … (0 comments)

direct lender: VA FAQ #22 - Does the VA allow 100% Cash Out VA Loans? - 03/20/15 09:26 AM
VA FAQ #22 - Does the VA allow 100% Cash Out VA Loans?
 
100% Cash Out VA Loans are available again.    You read the headline correct:   VanDyk now offers VA loans up to 100% loan to value for VA cash out refinances.   VA refinances are no longer capped at 90% of your current appraised value.   These are available up to $424K loan amounts.   (if your VA Loan Amount will need a higher balance, Our VA Jumbo Loans allow up to 100% as well.  Please inquire direct to 760-752-4480 to see if you have enough equity to make a new … (0 comments)

direct lender: Get Started here for your FHA Loan Approval - 02/28/15 01:12 AM
We offer fully Underwritten Approvals for FHA & FHA Jumbo Purchase Loans prior to finding a property.  
We call this our Fast Forward Approval program.   
Our proprietary Fast Forward Approval process solidifies your qualifications, and also allows you to move through your FHA Purchase Transaction in a comfortable, timely fashion that has much less stress than rushing through both the loan and home purchase at the same time.   Most of the heavy lifting is done up front so you can concentrate on finding and closing on the best home for your family.  
Let's get started,  we … (0 comments)

direct lender: Get Started here for your VA Loan Approval - 02/27/15 08:33 AM
We offer fully Underwritten Approvals for VA & VA Jumbo Purchase Loans prior to finding a property.  
We call this our Fast Forward Approval program.   
Our proprietary Fast Forward Approval process solidifies your qualifications, and also allows you to move through your Purchase Transaction in a comfortable, timely fashion that has much less stress than rushing through both the loan and purchase at the same time.   Most of the heavy lifting is done up front so you can concentrate on finding and closing on the best home for your family.  
Let's get started,  we would be … (0 comments)

direct lender: 2015 Washington FHA Loan Limits - 12/05/14 05:47 AM
2015 Washington FHA Loan Limits have been announced.   The Seattle Area limits for FHA and FFHA Jumbo (aka FHA High Balance) loans have been increased to $517,500 for 2015.   The $517,500 loan limit apply to King County, Snohomish County and Pierce County.   
 
Here is a full list of 2015 Washington FHA Loan Limits by county
 
For help or questions regarding Fannie and Freddie High Balance loans, call us direct at 866-900-2342 or 
>>> Get Started Here online.       
 
 
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direct lender: 2015 California Conforming Loan Limits - 11/24/14 05:55 AM
2015 California Conforming Loan Limits have been announced.   The High Cost area Conforming Loan limits for Fannie Mae and Freddie Mac Jumbo (aka High Balance) loans remain at $625,500 for the following California Counties:
Alameda Contra Costa Los Angeles Marin Orange San Benito San Francisco San Mateo Santa Barbara Santa Clara Santa Cruz  
The following counties increased for 2015 for a High Balance Single Family Residence:
Monterey County    now at $502,550 Napa County            now at $615,250 San Diego County    now at $562,350 Ventura County       now at $603,750  
>>> Here is the full list of 2015 … (0 comments)

direct lender: How can I find out if this Newport Condo is VA Approved? - 07/22/14 04:00 AM
How can I find out if this Newport Beach Condo is VA Approved?  
We hear this question quite often. The answer isn't always easy to find for Veteran Homebuyers in Newport Beach, CA.  Real Estate Agents, Sellers, and sometimes even the HOA don't have the most updated info on their VA Condo Approval Status.
Why is this?   Shouldn't it be easy to figure out if the Condo is VA Approved?   I agree 100%.  However, the VA Condo Search Portal doesn't index by the common names you would normally use for a Newport Beach VA Condo.  The VA uses an assortment of … (0 comments)

direct lender: How do I find out if this Hermosa Beach Condo is VA Approved? - 07/22/14 03:58 AM
How do I find out if this Hermosa Beach Condo is VA Approved?   
We hear this question quite often. The answer isn't always easy to find for Veteran Homebuyers in Hermosa Beach, CA.  Real Estate Agents, Sellers, and sometimes even the HOA don't have the most updated info on their VA Condo Approval Status.
Why is this?   Shouldn't it be easy to figure out if the Condo is VA Approved?   I agree 100%.  However, the VA Condo Search Portal doesn't index by the common names you would normally use for a Hermosa Beach VA Condo.  The VA uses an assortment of names: … (0 comments)

direct lender: How can I find out if this Manhattan Beach Condo is VA Approved? - 07/22/14 03:26 AM
How can I find out if this Manhattan Beach Condo is VA Approved?  
We hear this question quite often. The answer isn't always easy to find for Veteran Homebuyers in Manhattan Beach, CA.  Real Estate Agents, Sellers, and sometimes even the HOA don't have the most updated info on their VA Condo Approval Status.
Why is this?   Shouldn't it be easy to figure out if the Condo is VA Approved?   I agree 100%.  However, the VA Condo Search Portal doesn't index by the common names you would normally use for a Manhattan Beach VA Condo.  The VA uses an assortment of … (0 comments)

direct lender: How can I find out if this Huntington Beach Condo is VA Approved? - 07/22/14 03:23 AM
How can I find out if this Huntington Beach Condo is VA Approved?  
We hear this question quite often. The answer isn't always easy to find for Veteran Homebuyers in Huntington Beach, CA.  Real Estate Agents, Sellers, and sometimes even the HOA don't have the most updated info on their VA Condo Approval Status.
Why is this?   Shouldn't it be easy to figure out if the Condo is VA Approved?   I agree 100%.  However, the VA Condo Search Portal doesn't index by the common names you would normally use for a Huntington Beach VA Condo.  The VA uses an assortment of … (0 comments)

direct lender: Is this Virginia Condo VA Approved? - 03/23/14 03:16 PM
Is this Virginia Condo VA Approved?  
We hear this question quite often. The answer isn't always easy to find for Veteran Homebuyers in Virginia.  Real Estate Agents, Sellers, and sometimes even the HOA don't have the most updated info on their VA Condo Approval Status.
Why is this?   Shouldn't it be easy to figure out if the Condo is VA Approved?   I agree 100%.  However, the VA Condo Search Portal doesn't index by the common names you would normally use for a Virginia VA Condo.  The VA uses an assortment of names:  HOA Name, Tract number, Map Number, or another abbreviation, loosely based on … (0 comments)

direct lender: 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)

direct lender: Gift Funds OK for 95% conventional Loans - 02/19/14 04:01 AM
Gift Funds OK for 95% conventional Loans
We now offer 95% conventional loans (5% down) up to $417K with the entire downpayment being gift funds. 
Recent PMI company changes make this possible, as 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 Conventional Loans  on Single Family Residences and Condominiums up to $417K. 
We offer this program in … (0 comments)

direct lender: 2014 FHA Loan Limits for California - 12/06/13 09:51 AM
2014 FHA Loan Limits for California 
FHA has announced the 2014 FHA Loan Limits, and max FHA Loan Amounts accross much of California will be lower in 2014.   The FHA Loan Limits are based on a formula created back in 2009 for the HERA bill (Housing and Economic Recovery Act, aka one of the many stimulus bills that actually stifled parts of the economy).   
The good news - the loan amounts are still strong enough to help most folks buying homes, as they exceed average county home prices in virtually every California County.  In Higher Priced counties such as … (0 comments)

direct lender: WA Conforming Loan Limits for 2014 - 11/26/13 04:29 AM
WA Conforming Loan Limits for 2014 - Washington State Fannie Mae & Freddie Mac Loan limits 2014
Fannie Mae & Freddie Mac have announced the 2014 Washington conforming loan limits (aka conventional loan limits).   The standard conventional loan limit remains at $417,000 accross most of the USA.  This is also called the Conforming Loan Limit ($417K).   High Cost Areas have loan limits up to $625,500, and  are called Conforming Jumbo, High Balance, or Super Conforming loans.
We offer Conforming Jumbo Loans for Single Family Homes up to $506,000 in King, Snohomish, and Pierce Counties, and up to $483,000 in San Juan … (0 comments)

direct lender: VA Loans - Frequently Asked Questions (VA Jumbo / VA High Balance too) - 10/21/13 11:06 AM
VA Loans - Frequently Asked Questions (VA Jumbo / VA High Balance Answers too)
We have been putting together a series of posts regarding some of the most frequently asked questions that we receive regarding VA Loan qualifications and guidelines.  
Here is a list of this work in progress for VA Loan Questions: 
VA FAQ 1:   What is a VA Loan ?
VA FAQ 2:   Does the VA make VA Loans?
VA FAQ 3:   Who can qualify for a VA or VA Jumbo Loan?
VA FAQ 4:   What is the VA Loan Limit ? 
VA FAQ 5:   What is a VA Jumbo … (0 comments)

 
Brian Skaar, VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480 (VanDyk Mortgage -  VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender) Rainmaker large

Brian Skaar

VA, Jumbo, FHA & Conv Direct Lender (760) 752-4480

San Diego, CA

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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

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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, Wyoming Home Loans, Washington Loans, Georgia Home Loans, Massachusetts Home Loans, Wyoming Home Loans, and more. Visit us at vandykfunding.com for even more info or to get started. Or give us a call at 760-752-4480 direct. NMLS ID: 3035 - VanDyk Mortgage Corp NMLS ID 220268 Brian Skaar - Loan Originator http://www.nmlsconsumeraccess.org/ All content Copyright 2007-2018 VanDyk Mortgage, all rights reserved.


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