oceanside: Improved Options for Oceanside FHA Streamline Refinances - 03/09/12 02:53 AM
Improved Options for Oceanside FHA Streamline Refinances
Improved Options for Oceanside 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 Homeowners with FHA Loans made prior to June 1, 2009 save hundreds per month.
The options for FHA Streamlines for Oceanside Homeowners have been prohibitive the past couple years 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 $50 on a typical … (0 comments)

oceanside: VA IRRRL Streamline Refinance for California Non-owner occupied Homes - 02/04/12 04:10 AM
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)

oceanside: California Conforming Loan Limits for 2012 - 01/01/12 10:22 AM
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)

oceanside: The MI Removal Loan - Carlsbad NO MI Refinance - up to 95% ltv with no PMI, no MI, and no MIP - 09/12/11 05:41 AM
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)

oceanside: Fannie & Freddie extend HARP Refinance program into 2012 for underwater homeowners - HARP -Home Affordable Refinance Program for conventional conforming loans. - 08/20/11 11:31 AM
Fannie Mae & Freddie Mac extend HARP Refinance program into 2012 for underwater 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.  This is also called the Home Affordable Refinance Program.   This program allows 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 or DU Refi Plus.  … (0 comments)

oceanside: HARP Program extended into 2012 - 08/20/11 11:25 AM
Fannie Mae has extended the HARP Loan Program agianHome Affordable Refinance Program until June 30, 2012.    They have also increased the number of loans eligible to include all loans delivered to FNMA prior to June 1, 2009.    
More info on the HARP Program:
Fannie Mae Loan Holders - Refinance options are still open for Millions of US Homeowners who have not been able to, or thought they couldn't refinance their Fannie Mae loan due to reduced equity in their home.    We are able to Refinance Fannie Mae home loans up to 125% of your current value.  We are … (0 comments)

oceanside: Can I have two FHA Loans? - 08/20/11 10:54 AM
Can I have two FHA Loans?   
FHA Limits the number of FHA Loans that any individual borrower can have at a time to one FHA Loan. 
However, the great thing about FHA Loan programs in general is that FHA allows exceptions in certain cases.  The easiest exception to work with in this scenario is if you have a FHA Loan on your home now, and must relocate to another area outside a reasonable commute.  
FHA will allow you to purchase another home with FHA Financing in this case.  Whether the Relocation is your Employers Choice or the Borrowers Choice, … (0 comments)

oceanside: Oceanside VA and VA Jumbo Home Mortgage Loan info - Direct Lender - 05/31/11 08:53 AM
Oceanside VA and VA Jumbo Home Mortgage Loan info - Direct Lender.
VanDyk Mortgage is your local source for VA Loans and VA Jumbo Loans in Oceanside and San Diego County. We have been making VA loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Oceanside Homebuyers and Oceanside Veteran Homeowners to Purchase and refinance homes. VA Loans VA Jumbo Loans VA Loans for Condo's Purchase, Refinance, Streamline Refinance (IRRRL) Oceanside VA Loans are available up to $537,500 with zero downpayment. The Oceanside / San Diego County VA Loan Limit in 2011 is $537,500. However, … (0 comments)

oceanside: Oceanside CA Conventional Loans with 3% down payment - three percent down - 97% conventional financing options for Oceanside and San Diego Home Buyers - 05/30/11 01:31 PM
 This Program will be Retired by Fannie Mae and Freddie Mac (FNMA & FHLMC)  on Jan 8, 2014  
Oceanside CA Conventional Loans with 3% down payment - three percent down - 97% conventional financing options for Oceanside and San Diego Home Buyers
VanDyk Mortgage offers Conventional Purchase and Refinance loans up to $417,000 with just a 3% down payment for Oceanside and San Diego County Homes. Here are some basic details:
Oceanside 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 … (0 comments)

oceanside: Chula Vista Conventional Loans with 3% down payment - three percent down - 97% conventional financing options for Chula Vista and San Diego Home Buyers - 05/30/11 01:28 PM
This Program will be Retired by Fannie Mae and Freddie Mac (FNMA & FHLMC)  on Jan 8, 2014  
Chula Vista Conventional Loans with 3% down payment - three percent down - 97% conventional financing options for Chula Vista and San Diego Home Buyers
VanDyk Mortgage offers Conventional Purchase and Refinance loans up to $417,000 with just a 3% down payment for Chula Vista and San Diego County Homes. Here are some basic details:
Chula Vista and San Diego county cities are now eligible for our Conventional Loans up to 97% Loan to Value - Only 3% down payment is required. … (0 comments)

oceanside: San Diego Conventional Loans with 3% down payment - Yes, in California! - 97% conventional financing options for San Diego Home Buyers - 05/28/11 08:57 AM
This Program will be Retired by Fannie Mae and Freddie Mac (FNMA & FHLMC)  on Jan 8, 2014  
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 … (0 comments)

oceanside: San Diego VA Loan info - VA & VA Jumbo Loans - Direct Lender - 09/28/10 06:09 PM
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)

oceanside: Oceanside VA Condo Loans -VA Loans to buy or refinance Condo's and Condominiums in Oceanside - 06/01/10 06:22 PM
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)

oceanside: Vista VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender - 06/01/10 05:15 PM
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 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 Vista Homebuyers and 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 Vista FHA Loans are available up to $697,500 … (0 comments)

oceanside: 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)

oceanside: 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)

oceanside: Home Buyer Tax Credit for Veterans good until 2011 - 05/10/10 01:57 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)

oceanside: Temecula FHA Lender - VA Lender - California FHA Loan & VA Loan info for Temecula California -CA - 04/05/10 07:20 AM
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)

oceanside: Murrieta VA Loans and Murrieta FHA Loans - California VA Lender & FHA Lender - Home Mortgage - 04/05/10 07:13 AM
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)

oceanside: Oceanside VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender, FHA Lender, Conforming Lender, Jumbo lender - 04/04/10 06:26 AM
Oceanside 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 Oceanside. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Oceanside Homebuyers and Oceanside Homeowners to Purchase and refinance homes in Oceanside.
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 Oceanside FHA Loans are available up to … (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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