san diego: 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)

san diego: 100% financing in California - 2012 Loan Options - 01/14/12 11:19 AM
100% financing in California - 2012 Loan Options
There have been alot of change in the Mortgage industry the past couple years, especially with regard to 100% financing, or no-money down loans to purchase a home.   We offer two separate US Government backed programs that allow for zero down, or no down payment financing of your new home. The VA Loan and the USDA Rural Development Loan both allow 100% financing and require no downpayment.   Learn more about our VA Loans and VA Jumbo Loans on our VA pages (click the links).   VA Jumbo's are VA Loans for high cost markets that exceed the … (0 comments)

san diego: FHA Loan Limits for California Counties in 2012 - 01/02/12 07:59 AM
California FHA Loan Limits for 2012
For 2012,  Congress has restored the higher FHA Loan Limits also known as Temporary High Balance or FHA Jumbo Loan Limits.   These allow homebuyers to purchase homes in higher cost areas with as little as 3.5% down payment.   The higher FHA Loan Limits also allow homeowners to refinance their non-FHA loans into safe, secure FHA loans up to 97.75% Loan to value, and can even help you consolidate your first and second mortgage in one loan with a 30 year fixed rate.   VanDyk Mortgage allows you to consolidate a second mortgage or Home Equity … (0 comments)

san diego: 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)

san diego: Refinance Options for Owners with Multiple Properties - 12/26/11 08:22 AM
Refinance Options for Owners with Multiple Properties
Many Real Estate Investors with Multiple financed properties run into difficulty when trying to Refinance their Primary Homes, Second Homes, and Rental Homes due to limits many Lenders place on Total Number of Financed Properties that may be owned by applicants.  We allow you to have up to 10 financed Properties when Refinancing your Investment Home or Second Home.   If you are financing your Primary home, we do not limit how many other properties you may own.    
We offer Refinance options for Second Homes or Investment properties (NOO) for owners with … (0 comments)

san diego: New California VA Loan Limits for 2012 announced - 12/08/11 11:35 AM
New California VA Loan Limits for 2012 announced 
The VA has announced the 2012 VA Loan Limits for CA that will be effective Jan 1, 2012 - Dec 31, 2012.   New California VA Loan Limits in 2012 are capped at $625,500 due to changes in the formula the Veterans Administration is required to use.  
Loan Limits in California counties such as Alameda, Contra Costa, Marin, San Benito, San Francisco, San mateo, and Santa Clara are now at $625,500.    Los Angeles and Orange Counties are now at $621,000.   Santa Barnara county is at $598,000, and San Diego has … (0 comments)

san diego: VA Announces 2012 VA Loan Limits - 12/06/11 08:42 AM
VA Announces 2012 VA Loan Limits 
The VA has announced the 2012 VA Loan Limits that will be effective Jan 1, 2012 - Dec 31, 2012.   New VA Loan Limits in 2012 are capped at $625,500 due to changes in the formula the Veterans Administration is required to use.  
Loan Limits in California counties such as Alameda, Contra Costa, Marin, San Benito, San Francisco, San mateo, and Santa Clara are now at $625,500.    Los Angeles and Orange Counties are now at $621,000.   Santa Barnara county is at $598,000, and San Diego has a $477,000 VA Loan limit … (0 comments)

san diego: VA Authorizes Huge Opportunity for Veterans to Refinance at lower costs - 09/18/11 09:55 AM
VA Authorizes Huge Opportunity for Veterans to Refinance at lower costs
 
*** update - Congress has repealed the changes to the VA Funding Fee that were to take effect Oct 1, and then again on Nov 17.   VA Funding Fees are expected to remain at prior levels for the next 2 years. 
The VA is lowering the VA Funding Fee beginning Nov  17, 2011.  This creates a huge opportunity for Veterans to Refinance using a VA Loan or VA Jumbo Loan at much lower costs.   The VA Funding Fee for a 90% loan to value refinance is being … (0 comments)

san diego: VA Loan Costs to go down Nov 17, 2011 - 09/18/11 09:31 AM
VA Loan Costs to go down Nov 17, 2011 - the VA has delayed implementation to Nov 17, barring Congressional Legislation or intervention

*** update - Congress has repealed the changes to the VA Funding Fee that were to take effect Oct 1, and then again on Nov 17.   VA Funding Fees are expected to remain at prior levels for the next 2 years. 
The VA Funding Fee is set to go down on Nov 17, 2011.  The Veterans Administration has announced that on Nov 17, 2011,  they will institute a new VA Funding Fee Structure for both VA … (0 comments)

san diego: The MI Removal Loan - San Marcos NO MI Refinance - 09/12/11 05:41 AM
The MI Removal Loan - San Marcos 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 San Marcos, CA with no MI, PMI, or MIP. 
Recent changes to FHA Streamline MIP Rates have made streamline refinancing FHA Loans less attractive for San Marcos 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 … (0 comments)

san diego: 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)

san diego: The MI Removal Loan - San Diego Refinance - up to 95% ltv with no PMI, no MI, and no MIP. - 09/12/11 05:40 AM
The MI Removal Loan - San Diego 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 San Diego, CA with no MI, PMI, or MIP. 
Recent changes to FHA Streamline MIP Rates have made streamline refinancing FHA Loans less attractive for San Diego 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 … (0 comments)

san diego: The MI Removal Loan - Chula Vista NO MI Refinance - up to 95% ltv - 09/12/11 05:39 AM
The MI Removal Loan - Chula Vista 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 Chula Vista, CA with no MI, PMI, or MIP. 
Recent changes to FHA Streamline MIP Rates have made streamline refinancing FHA Loans less attractive for Chula Vista 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 … (0 comments)

san diego: Homepath financing on Fannie Mae owned REOs/Foreclosures in California - 08/27/11 01:13 PM
Homepath financing on Fannie Mae owned REOs/Foreclosures in California
We offer 95% financing on California Homes being sold by Fannie Mae (FNMA) with no MI required. 
If you are purchasing a Fannie Mae Owned Foreclosure Property, you may be eligible for our HomePath Fannie Foreclosure Mover Loan.   This loan allows you to finance up to 95% of the Purchase price with ZERO Mortgage Insurance (no PMI). 
97% Homepath options are available as well - we feel that the 95% option is a better value for our customers, as the 3% down Homepath loan is more costly.      
Loan amounts … (0 comments)

san diego: 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)

san diego: 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)

san diego: 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)

san diego: Mortgage Market Rate Alert - record low rates on Conforming Jumbo Purchase and Conforming Jumbo Refinance Loans AKA Fannie Mae High Balance or Super Conforming - 08/04/11 06:27 AM
Mortgage Market Rate Alert - record low rates on Conforming Jumbo Purchase and Conforming Jumbo  Refinance Loans AKA Fannie Mae High Balance or Super Conforming
Rates for Conforming Jumbo Purchase and Conforming Jumbo Refinance Loans  (aka Conforming High Balance Loans, Super Conforming, or Fannie Mae High Balance Loans) are now at all -time lows this week.
The US Debt Ceiling saga in DC paired with World and Euro Money market worries continue to cast doubt about the economic recovery worldwide have driven down US Mortgage rates, especially Conforming High Balance Loans.   
If your current Interest Rate is too high (5.125% or higher),  please give us a call to get … (0 comments)

san diego: Rate Alert for FHA & FHA Jumbo Home Loans - Purchase and Refinance - 08/04/11 06:18 AM
Rate Alert for FHA & FHA Jumbo Home Loans - Purchase and Refinance -  Rates for FHA & FHA Jumbo Loans for Purchase of a home, Refinance, & FHA Streamline refinances continue at all -time lows this week.   
The turmoil of the Debt Ceiling Saga in DC along with continued worries about the US Economy and the Eurozone and resulted in a flight in the money markets to the safe haven of Treasuries and Mortgage Bonds.  This has driven down US Mortgage rates dramatically.   FHA and FHA Jumbo (AKA FHA High Balance) Loans are now at their lowest point ever this week.
If your current … (0 comments)

san diego: VA Market Alert - Our rates for VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance - Now at all time lows. - 08/04/11 06:15 AM
VA Market Alert - Our rates for VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance - Now at all time lows.
Rates for VA IRRRL Streamline Refinances and VA Jumbo IRRRL Streamline Refinance are now at all -time lows.   The Turmoil created with the Debt Ceiling Saga in DC, combined with continued questions about the Euro Money markets have driven US VA Mortgage rates down, especially VA Jumbo rates for VA loans over $417,000 are at their lowest point ever.   
If your current VA Rate is too high (4.75% or higher),  please give us a call to get started and lock in … (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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