los angeles: Rate Alert - Great rates on VA Loans, VA Jumbo Loans, VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance - 06/04/10 08:13 AM
Rate Alert - Great rates on VA Loans, VA Jumbo Loans, VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance
Great rates for VA Loans, VA Jumbo Loans, VA Refinance, VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance.  The continued volatility in the Euro Money markets, plus the Korean Crisis and doubts about the Economic Recovery in the US have driven US VA Mortgage rates.   VA Loan rates and VA Jumbo rates for VA loans over $417,000 are at their lowest point ever now.   
If your current VA Rate is too high (5.25% or higher),  please give us a call to get started … (0 comments)

los angeles: Rate Alert! All time low rates on Conventional Purchase and Refinance Loans - 06/04/10 08:04 AM
Market Alert - Great rates on Conventional Purchase and Refinance Loans - Opportunity Alert!
Rates for Conventional Purchase and Refinance Loans  (aka Conforming Loans or Fannie Mae Loans) continue to remain at all -time lows today.   
The volatility in the Euro Money markets over the past few weeks, plus the Korean Crisis, and new doubts about the economic recovery in the US have driven down US Mortgage rates, especially Conforming Loans and Conventional Loans.   
If your current Interest Rate is too high (5.375% or higher),  please give us a call to get started and lock in your low rate.    These rates will not last, the markets are … (0 comments)

los angeles: Opportunity Alert! Great rates on Conforming Jumbo Purchase and Conforming Jumbo Refinance Loans - 06/04/10 08:01 AM
Market Alert - Great rates on Conforming Jumbo Purchase and Conforming Jumbo  Refinance Loans -Opportunity Alert! 
Rates for Conforming Jumbo Purchase and Conforming Jumbo Refinance Loans  (aka Conforming High Balance Loans or Fannie Mae High Balance Loans) Continue to remain at all -time lows today.   
The volatility in the Euro Money markets over the past few weeks, plus the Korean Crisis, and new doubts about the economic recovery in the US have driven down US Mortgage rates, especially Conforming High Balance Loans.   
If your current Interest Rate is too high (5.375% or higher),  please give us a call to get started and lock in your low rate.    … (0 comments)

los angeles: More Condo's now allowed by the VA for VA Financing - 06/03/10 08:11 AM
The VA just announced an adjustment to their approved condo process which will open some more doors for VA Condo's.   Last fall, the VA discontinued the cross-approval of FHA approved Condo's.  The Veteran's Administration has reversed this decision, but not quite all the way. 
HUD/FHA CONDOMINIUM APPROVALS

VA will now accept HUD/FHA/USDA condominium approvals, provided the project approval date listed in FHA Connection was prior to December 7, 2009. If the condominium project approval date is on or after December 7, 2009, the project is ineligible for inclusion on VA's approved condominium list without full project review and approval by VA. Additionally, if a … (0 comments)

los angeles: Bellevue VA Condo Loans -VA Loans to buy or refinance Condo's and Condominiums in Bellevue - 06/01/10 06:27 PM
Bellevue VA Condo Loans -VA Loans to buy or refinance Condo's and  Condominiums in Bellevue 
VanDyk Mortgage is a VA Lender offering VA Loans to purchase or refinance Condominiums in Bellevue.   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 Condo's.  
In … (0 comments)

los angeles: Menifee VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender - 06/01/10 05:06 PM
Menifee 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 Menifee.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Menifee Homebuyers and Menifee 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 Menifee FHA Loans are available up to $500,000 … (0 comments)

los angeles: What is a VA Direct Lender? - 05/30/10 05:20 AM
What is a VA Direct Lender?   We just answered a similar question about FHA Direct Lenders in a previous post, so I thought this question also deserved an answer.   Many clients and Realtors have an assumption that the VA (Veterans Administration) underwrites and approves VA Loans for our Veterans.  
The VA (Veterans Administration) does not make loans.   The VA guarantees loans made by private lenders.   The VA does not underwrite, approve, or fund loans.   Private lenders make, underwrite, and fund VA Loans per the guidelines that VA sets for us, then sends them to VA after the loan is complete for certification of the eligibility for VA Guaranty.   
(0 comments)

los angeles: What is a FHA Direct Lender? - 05/30/10 04:55 AM
What is a FHA Direct Lender?    I thought this question deserved an answer, as there seems to be a belief that the FHA (Federal Housing Administration) underwrites and approves FHA Loans.   Let's break this down.   FHA (Federal Housing Administration) is a department supervised by HUD (Housing and Urban Development).   FHA Does not make loans.   FHA insures loans made by private lenders.   FHA does not underwrite, approve, or fund loans.   Private lenders make, underwrite, and fund FHA Loans per the guidelines that FHA sets for us, then sends them to FHA after the loan is complete for certification of the eligibility for FHA Insurance.  
A … (0 comments)

los angeles: Long Beach VA Condo Loans -VA Loans to buy or refinance Condo's and Condominiums in Long Beach - 05/29/10 05:30 AM
Long Beach VA Condo Loans -VA Loans to buy or refinance Condo's and  Condominiums in Long Beach 
VanDyk Mortgage is a VA Lender offering VA Loans to purchase or refinance Condominiums.   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 Condo's.  
In … (0 comments)

los angeles: Los Angeles VA Loans - VanDyk Mortgage - California VA Lender & VA Jumbo Lender - 05/29/10 05:07 AM
Los Angeles VA Loans - VanDyk Mortgage - California VA Lender & VA Jumbo Lender.   VanDyk Mortgage is your source for VA Loans in the Los Angeles area.   We have been making VA 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.
VA Loans - zero downpayment required VA Jumbo Loans  - zero downpayment required up to  $700,000 in LA (aka VA High Balance) VA IRRRL Streamline Refinance Loans Los Angeles VA Loans are available up to $700,000 with zero downpayment required.  The Los Angeles VA Loan … (0 comments)

los angeles: Wildomar VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender - 05/28/10 11:30 AM
Wildomar 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 Wildomar.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Wildomar Homebuyers and Wildomar 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 Wildomar FHA Loans are available up to $500,000 … (0 comments)

los angeles: Great rates on Conforming Jumbo Purchase and Conforming Jumbo Refinance Loans -Opportunity Alert! - 05/25/10 06:00 AM
Market Alert - Great rates on Conforming Jumbo Purchase and Conforming Jumbo  Refinance Loans -Opportunity Alert! 
Rates for Conforming Jumbo Purchase and Conforming Jumbo Refinance Loans  (aka Conforming High Balance Loans or Fannie Mae High Balance Loans) are at all -time lows this week.    The volatility in the Euro Money markets plus the Korean Crisis have driven down US Mortgage rates, especially Conforming High Balance Loans.  
If your current Interest Rate is too high (5.375% or higher),  please give us a call to get started and lock in your low rate.    These rates may not last, this is a limited time opportunity alert due … (0 comments)

los angeles: Rate Alert - Conventional and Conforming Rates at all time lows today - 05/25/10 05:56 AM
Market Alert - Great rates on Conventional Purchase and Refinance Loans - Opportunity Alert!
Rates for Conventional Purchase and Refinance Loans  (aka Conforming Loans or Fannie Mae Loans) are at all -time lows this week.    The volatility in the Euro Money markets plus the Korean Crisis have driven down US Mortgage rates.  
If your current Interest Rate is too high (5.375% or higher),  please give us a call to get started and lock in your low rate.    These rates may not last, this is a limited time opportunity alert due to market conditions!  Do not delay, the market is changing daily.
Call 760-752-4480 and … (0 comments)

los angeles: Market Alert - Great rates on FHA Streamline refinance and FHA Jumbo Streamline Refinance - Opportunity Alert! - 05/25/10 05:52 AM
Market Alert - Great rates on FHA Streamline refinance and FHA Jumbo Streamline Refinance - Opportunity Alert!
Rates for FHA Streamline refinances and FHA Jumbo Streamline Refinance are at all -time lows this week.    The volatility in the Euro Money markets plus the Korean Crisis have driven down US FHA Mortgage rates.   FHA Jumbo rates for FHA loans over $417,000 are at their lowest point ever this week.   
If your current FHA Rate is too high (5.25% or higher),  please give us a call to get started and lock in your low rate.    These rates may not last, this is a limited … (0 comments)

los angeles: Chula Vista VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender - 05/19/10 10:19 AM
Chula Vista 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 Chula Vista. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Chula Vista Homebuyers and Chula Vista 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 Chula Vista FHA Loans are … (0 comments)

los angeles: 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)

los angeles: FHA Jumbo Refinance, FHA Jumbo Purchase loans & FHA Jumbo Streamline Refinance loans for California Homeowners and Homebuyers. - 05/15/10 03:56 AM
FHA Jumbo Refinance, FHA Jumbo Purchase loans & FHA Jumbo Streamline Refinance loans for California Homeowners and Homebuyers. 
We are continuing to see the FHA Jumbo Refinance be one of the best options for  California Homeowners.   This is in large part due to the affordability, safety, and security that the FHA Loan offiers.
This loan allows you to refinance your first mortgage into a Safe, Fixed Rate FHA Loan at terms that are typically more favorable than conventional lending options.   If your home has come down in value, the FHA option may still be able to help you refinance out of your Adjustable rate loan.   … (0 comments)

los angeles: FHA Jumbo Loans -620 fico OK - 05/14/10 10:24 AM
FHA Jumbo Purchase Loans down to 620 fico OK
VanDyk Mortgage Allows FHA Jumbo (aka FHA High Balance) Purchase Loans with Fico scores as low as 620.  These are available up to your County FHA Loan Limits  Most lenders require a 660 Fico for a FHA Jumbo Purchase Loan.  We allow FHA Jumbos with Ficos below 660 down to 620.
Check out the FHA Jumbo Loan limits for your county here:   FHA Loan Limits CA or FHA Loan Limits WA
One of the major benefits of a FHA Jumbo is that it requires just 3.5% downpayment.   FHA Jumbo Loans also offer competitive interest rates (call … (0 comments)

los angeles: FHA Flip rule - 1 day owned by seller OK - 05/14/10 10:01 AM
FHA Flip rule - 1 day owned by seller OK
The Seller seasoning requirement on our FHA Loans is one day.  That is correct, one day.  While FHA has released guidance for lenders allowing the Flip Rule to be Waived for all Sellers until Feb 1, 2011, many lenders still require that sellers own a home for 90-180 days before it is eligible for their FHA Financing. We do not require these waiting periods for FHA Loans. Seller Seasoning simply means how long the current owner has owned the property (as recorded on Title Records).   Seller seasoning is also called Owner seasoning.   The contract date … (0 comments)

los angeles: Flip Rule - Conventional or Conforming loans - 1 day - 05/13/10 11:52 AM
Flip Rules for Conventional Loans - We only require that the seller own the home for 1 day prior to resale. 
The Seller seasoning requirement on our Conventional Loans is one day.  Just one day.  Many lenders have begun to require that sellers own a home for 90-180 days before it is eligible for their Conventional Financing through Fannie Mae and Freddie Mac, both examples of Conventional Financing. 
We do not require these waiting periods.  Seller Seasoning simply means how long the current owner has owned the property (ie how long on Title).   VanDyk Mortgage requires that the seller is the owner of record on … (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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