san diego: Fact or Fiction: The $1m San Diego VA Loan - 03/23/14 03:28 PM
Fact or Fiction:  The $1m San Diego VA Loan
Fact:  VanDyk closes $1m VA Loans (and VA Loans over $1m).  This may sounds ridiculous to many, but we offer (and make) $1m VA Loans for San Diego Veeterans.  In fact,  we offer VA Loans over $1m,  all the way to $1.5M!   How is this you ask?   Via the combination of VA Loan Limits in San Diego, plus a down payment on a VA purchase loan, or sufficient equity on a VA Refinance Loan.    These large VA Loans have several names: VA Jumbo, VA High Balance, and sometimes VA Super Conforming.   We … (0 comments)

san diego: **REVISED ** Complete California VA Loan Limits for 2015 - 03/07/14 06:45 AM
**REVISED ** Complete California VA Loan Limits for 2015 
The VA has increased the VA Loan Limits for many California Counties effective 1-01-2015, increasing the California VA Loan Limits in some counties, and reducing some others to the "permanent high cost loan limit" of $625,500.   Some counties increased, most notable,  San Diego County is now at $562,350, Sacramento/Placer/El Dorado/Yolo counties are now at $474,950, and Ventura is up to $603K for 2015.  The Bay Area counties of San Francisco, Marin, San Mateo, Contra Costa and Alameda top the VA Loan Limits for No Money Down VA Jumbo Loans at $625,500, and LA/OC counties are at … (0 comments)

san diego: Complete California VA Loan Limits for 2014 - 01/19/14 11:13 PM
Complete California VA Loan Limits for 2014
The VA has increased the VA Loan Limits for many California Counties, with the Bay Area counties of San Francisco, Marin, San Mateo, Contra Costa and Alameda topping the VA Loan Limits for zero down VA loans at $1,050,000.   San Diego County increased to $527,500 for the 2014 VA Loans, and LA/OC counties are at $687,500 for 2014.   
Click here for more details on complete California VA Loan Limits for 2014.
Please give us a call at 866-900-2342 toll free direct to discuss your VA and VA Jumbo Loan questions, or to … (0 comments)

san diego: San Diego VA Condo Loan Information - 01/19/14 12:46 AM
San Diego VA Condo Loan Information
A great alternative for San Diego Veterans  to Purchase or Refinance a home in San Diego is to consider a Condominium and utilize their VA Home Loan Benefit to Purchase or Refinance a Condo using VA Financing (or VA Jumbo Financing).    
VanDyk Mortgage offers (and is knowledgable with) VA Condo Loans for Purchasing a Condo, VA Condo Loans for Refinancing a condo, or VA Condo Loans for VA Streamline.  
We also offer a full selection of VA Jumbo (aka VA high Balance) loans for the purchase, refinance, or IRRRL streamline of your … (0 comments)

san diego: San Diego VA Jumbo Loan Info - 01/19/14 12:08 AM
San Diego VA Jumbo Loan Info
San Diego Veterans have several options on how to utilize VA Loans and VA Jumbo Loans to Purchase, Refinance, or Streamline Refinance their home.  
We offer a full selection of VA Loan Features including VA Jumbo Loans for purchase,  VA Jumbo Loans to refinance non-VA loans, VA Jumbo Streamline (aka IRRRL), in addition to each of these in regular size VA Loans (VA Loans under $417K).   
Read More info on San Diego VA Jumbo Loans here.
To get started now,  please give us a call direct at 866-900-2342.   We are located right … (0 comments)

san diego: San Diego VA and VA Jumbo Loans after Bankruptcy, Foreclosure, or Short Sale - 01/18/14 11:50 PM
San Diego VA and VA Jumbo Loans after Bankruptcy, Foreclosure, or Short Sale
Many San Diego Veterans have experienced a Financial Hardship such as Foreclosure, Short Sale, or Bankruptcy in recent years.   The good news is that VanDyk Mortgage can help San Diego based Veterans and Active Duty Military Members purchase a new home using their VA Home Loan Benefit as soon as 2 years after one of these events - Bankruptcy, Short Sale, or Foreclosure.   
We offer this feature on VA loans and VA Jumbo Loans in San Diego.   You can even exceed the 2015 SD VA Loan Limit … (0 comments)

san diego: 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)

san diego: Improved Options for San Diego FHA Streamline Refinances - 07/21/12 09:54 AM
Improved Options for San Diego  FHA Streamline Refinances
Improved Options for San Diego FHA Streamline Refinances are coming.  The Whitehouse authorized changes to the FHA Streamline Refinance Program are available now, and will help many San Diego Homeowners with FHA Loans made prior to June 1, 2009 save hundreds per month.
VanDyk Mortgage allows you to streamline your FHA Loan, even if it exceeds the current FHA Loan limits. 
The options for FHA Streamlines for San Diego and San Diego County  Homeowners have been prohibitive the past couple years due to increased FHA Mortgage Insurance rates.   The new FHA Streamline Changes reduce fees … (0 comments)

san diego: VA Loan Rates & VA Jumbo Loan Rates at all time lows - 06/28/12 01:30 PM
VA Loan Rates & VA Jumbo Loan Rates at all time lows.   Interest Rate Alert - All time low rates available now on VA Loans, VA Jumbo Loans, VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance, VA Cash Out Refinance, and VA Jumbo Cash Out Refinance loans. 
The turmoil of the Euro Zone difficulties with Sovereign Debt worries in Greece, Spain, Italy, Cypress and a few more to come have resulted in a flight in the money markets to the safe haven of Treasuries and Mortgage Bonds.   This has resulted in all time low rates for VA Loans, VA Jumbo … (0 comments)

san diego: California VA Jumbo IRRRL Streamline Refinances (Interest Rate Reduction Refinance Loan) - 06/19/12 03:21 AM
VA IRRRL Streamline Refinance Options for California Veterans - Rates have never been lower!
The VA IRRRL Streamline Refinance is a great option to reduce the interest rate on your California VA Loan.   The VA Streamline requires reduced documentation,  and offers a streamlined process.   
California VA Jumbo IRRRL Streamline Refinances (Interest Rate Reducing Refinance Loan) are now available for Owner Occupied Homes, Single Family Homes, Condo’s, Second Homes, andRental Properties secured by VA and VA Jumbo Loans.   (Rental Properties are also known as Non-owner, or Investment Homes).   We have never seen rates this low before. 
Basic requirements for a California VA IRRRL Streamline Refinance:
(0 comments)

san diego: How long do I have to wait to get a VA Loan after a Short Sale? - 04/23/12 01:50 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)

san diego: How long do I have to wait to get a VA Loan after Bankruptcy? - 04/23/12 01:49 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)

san diego: How long do I have to wait to get a VA Loan after Foreclosure? - 04/23/12 01:47 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)

san diego: VA Loans after Hardship - Bankruptcy, Foreclosure, Short Sale - 04/16/12 02:33 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)

san diego: Can I Buy a home in San Diego with no PMI or MIP? - 04/02/12 01:52 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 throughoutSan Diego and San Diego Countywith 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 … (0 comments)

san diego: Enhanced Refinance Options for San Diego Fannie Mae and Freddie Mac Loans - HARP 2012 - 03/19/12 02:40 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)

san diego: VA IRRRL Streamline Refinance Options for San Diego Veterans - 03/18/12 05:22 PM
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
>No … (0 comments)

san diego: Can I refinance my San Diego home loan with no Monthly PMI or MIP? - 03/18/12 05:13 PM
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)

san diego: San Diego FHA Streamline Refinances - new improvements for 2012 - 03/17/12 12:11 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)

san diego: Can I Purchase a home in San Diego with no PMI or MIP? - 02/20/12 01:30 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)

 
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

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

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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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