san diego: Using your VA Home Loan Benefit in San Diego -part 2 - refinance your home with a VA Loan - 10/18/10 01:50 PM

Using your VA Home Loan Benefit in San Diego -part 2 - refinance your home with a VA Loan
The VA Home Loan benefit is a great opportunity for San Diego Veterans and Active Duty Military to refinance a San Diego home or San Diego condo.   We thought it would be a good idea to quickly review the benefits of VA Loans, and a few ways to use them to your benefit.   (click here for the 2011 updated page)
VA Loans require zero downpayment up to $437,500 in San Diego, and throughout San Diego County. 
 VA Refinance Loans … (0 comments)

san diego: Using your VA Home Loan Benefit in San Diego, part 1 - Purchase a home - 10/18/10 01:49 PM
Using your VA Home Loan Benefit in San Diego, part 1 - Purchase a home
The VA Home Loan benefit is a great opportunity for San Diego Veterans and Active Duty Military to purchase a home or condo.  We thought it would be a good idea to quickly review the benefits of VA Loans, and a few ways to use them to your benefit.
(2011 update for San Diego VA Purchase Benefit here)
VA Loans require zero downpayment up to $437,500 in San Diego and throughout San Diego County.
VA Loans - zero downpayment required up to $417,000 VA Jumbo Loans … (0 comments)

san diego: 2011 FHA Loan Limits for California - 10/17/10 07:54 AM
 
2011 FHA Loan Limits for California
VanDyk offers FHA Loans up to the full FHA loan limit for every county that we serve.   FHA Loans for single family homes are available up to $729,750 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Monterey, Orange County, Santa Clara, Santa Cruz, Ventura, San Benito, Marin, and Santa Barbara.   San Diego Homebuyers and Homeowners can get FHA Loans up to $697,500, Riverside and San Bernardino up to $500,000, Sacramento, El Dorado, and Placer counties up to $580,000.  Here is a list of the 2011 FHA loan limits for Single … (0 comments)

san diego: Good news for California homeowners and Home buyers: High Cost Loan Limits extended into 2011 - 10/17/10 07:27 AM
Good news for California homeowners and Home buyers: High Cost Loan Limits extended into 2011. 
Congress has extended the High Cost Loan limits for Conforming loans and FHA until Sept 30, 2011.  
This allows the higher "temporary high cost" limits up to $729,750 to remain in place for areas such as Los Angeles, Orange County, San Francisco, Oakland, San Jose, San Mateo, Ventura, Santa Barbara, etc.   San Diego will be allowed up to $697,500 for Conforming Jumbo (aka conforming High Balance) and FHA Loans up to $697,500.   For a complete list of counties,  please see our main webpage … (0 comments)

san diego: 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)

san diego: Seattle FHA Loans - How to utilize an FHA Loan to refinance - scenario 1 - 09/17/10 02:19 PM

Seattle FHA Loans - How to utilize an FHA Loan to refinance - scenario 1
Here is a scenario to show why it can be beneficial to Refinance your loan or loans into a safe, secure, fixed rate FHA Loan.   Let's say you live in Bellevue, Washington.    Your home is worth $550K and you currently owe $430K on your first mortgage, and you have a second mortgage for $75K.  You utilized the $75K to completely remodel and upgrade your home, and pay off a few debts along the way.   New Kitchen, Baths, flooring, windows, etc.  You have put alot … (0 comments)

san diego: All time low rates on Conforming Jumbo Purchase and Conforming Jumbo Refinance Loans AKA High Balance - 09/15/10 07:02 PM
All time low rates on Conforming Jumbo Purchase and Conforming Jumbo  Refinance Loans AKA High Balance
Rates for Conforming Jumbo Purchase and Conforming Jumbo Refinance Loans  (aka Conforming High Balance Loans, Super Conforming, or Fannie Mae High Balance Loans) are at continued all -time lows this week.   Ask us about no point/ no fee options. 
World and Euro Money market worries continue to cast doubt about the economic recovery worldwide.  This has 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)

san diego: Maximum Income restrictions for FHA Loans - 09/06/10 01:21 PM









Maximum Income restrictions for FHA Loans
There are no maximum income restrictions or limitations for FHA Loans.  We felt it was important to discuss this briefly since many people think FHA Loans are just for Low Income buyers, or First Time Home Buyers.   Nothing could be further from the truth.  
FHA Loans do not have a maximum income restriction.  As well, you do not have to be a First Time Home Buyer to qualify for FHA Loans.  FHA Loans were created with the mission to help Americans to purchase a home with a lower … (0 comments)

san diego: FHA Loans vs Fannie Mae loans - compare and contrast - 09/06/10 01:13 PM
FHA Loans vs Fannie Mae loans - compare and contrast

We did a comparison of FHA jumbo vs Fannie Mae Jumbo loans in 2008, and also updated that article on FHA Jumbo vs Fannie Mae High Balance recently.   It made me think, what about conforming loan sizes - $417K and under, how do FHA and Fannie Mae conforming loans compare?    We found that in many instances,  FHA has many benefits and more ways to help homeowners refinance and homebuyers purchase homes.
 
FHA Purchase Loans and FHA Refinance Loans offer many ways to help both homebuyers and refinancers.   Here are some … (0 comments)

san diego: No Maximum Income restrictions for VA Loans - 09/06/10 01:10 PM
There is No Maximum Income restrictions for VA Loans
There are no maximum income restrictions or limitations for VA Loans.  We felt it was important to discuss this briefly since many people think VA Loans are just for Low Income buyers, or First Time Home Buyers.   Nothing could be further from the truth,  our Veterans and Active Duty Service Personnel deserve quality housing and affordable financing options.  The VA Loan Benefit serves that need.  
VA Loans do not have a maximum income restriction.  As well, you do not have to be a First Time Home Buyer to qualify for a VA … (0 comments)

san diego: The time is now for FHA Streamline Refinances - 09/02/10 04:52 AM
The time is now for FHA Streamline Refinances
With HUD's announcement of changes to FHA Mortgage Insurance Premiums beginning on October 4, 2010, it brings urgency to those homeowner with current FHA Mortgage Loans to consider a FHA Streamline Refinance  and get started before the changes go into effect.   Although the UFMIP, or Upfront Mortgage Insurance Premium is being reduced from 2.25% to 1.0%, the Annual MIP rate is being increased from .55% to .90%, this is paid monthly by the borrower with their Mortgage payment.   The Net effect of this increase is approx. $22 per month per $100K … (0 comments)

san diego: Mortgage Market Update for August 31, 2010 - All-time low rates continue. - 08/31/10 04:22 AM

Mortgage Market Update for August 31, 2010 All-time low rates continue.   There has never been a better time to purchase a home or refinance with  FHA, VA & Conventional Loans.
30 year fixed rate loans for Purchase & Refinance including all of the following loan types are at continued all-time lows:
FHA for purchase or refinance VA for purchase or refinance Conforming for purchase or refinance FHA Jumbo VA Jumbo Conforming Jumbo FHA Streamline Refinance VA IRRRL Streamline Refinance FHA Jumbo Streamline Refinance VA Jumbo IRRRL Streamline Refinance Home Affordable Refinance 203K Rehab Loans for purchase or refinance Be … (0 comments)

san diego: Using your VA Home Loan Benefit in Los Angeles -part 2 - refinance your home with a VA Loan - 08/28/10 08:57 AM
Using your VA Home Loan Benefit in Los Angeles -part 2 - refinance your home with a VA Loan
The VA Home Loan benefit is a great opportunity for Los Angeles Veterans and Active Duty Military to refinance a LA home or Los Angeles condo.   We thought it would be a good idea to quickly review the benefits of VA Loans, and a few ways to use them to your benefit. 
VA Loans require zero downpayment up to $700,000 in Los Angeles, throughout Los Angeles County. 

VA Refinance Loans - available up to 90% of your homes value VA Jumbo … (0 comments)

san diego: Product Highlight - California Home Purchase with 5% downpayment - 08/27/10 06:26 AM
Product Highlight - California Home Purchase with 5% downpayment
We offer Conventional Loans up to 95% (5% downpayment) to purchase single family homes in California.  VanDyk Mortgage is a Direct Lender serving California and Washington.
Quick Highlights: 
Competitive 30 year fixed rate (call for today's rate) Loan amounts up to $417K Purchase price up to $438K w 5% down payment Available in California and Washington Not restricted by declining market policies Maximum debt ratio - 41% Minimum downpayment - 5% Minimum Fico - 680 Flips - 1 day owned OK  (aka investor homes, corporate owned, rehabs, etc).  Primary Homes only Take … (0 comments)

san diego: Market Alert - Opportunity time for low rates on Conventional Purchase and Refinance Loans - 08/24/10 05:28 AM
Opportunity time for low rates on Conventional Purchase and Refinance Loans
Rates for Conventional Purchase and Refinance Loans  (aka Conforming Loans or Fannie Mae Loans) continue to remain at all -time lows today.   
World and Euro Money market worries continue to cast doubt about the economic recovery worldwide.  This has driven down US Mortgage rates, especially Conforming Loans and Conventional Loans under $417K such as Fannie Mae and Freddie Mac 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 very volatile.   … (0 comments)

san diego: California Mortgage Market Update for August 24-2010 - 08/24/10 05:11 AM
California Mortgage Market Update for August 24-2010
Rates on Home loans continue at all time low rates this week.  World money market worries have driven investors to the safe haven of Mortgage Bonds and Treasuries for their monies, which are the basis of US Mortgage Rates.  
There have never been lower rates for FHA & FHA Jumbo Loans, VA & VA Jumbo loans, Conforming Loans, or Conforming Jumbo Loans.   If you have thought about refinancing, now is the time to talk to an expert.
VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter … (0 comments)

san diego: VA Loan Benefit for California Veterans and CA Active Duty Military - 08/08/10 06:27 AM
VA Loan Benefit for California Veterans and CA Active Duty Military
California Veterans and CA Active Duty Military Personnel have access to higher VA guarantee limits than many other states.  The higher VA Guarantee allows California Vets the opportunity to purchase a home with zero downpayment up to $962,500 in select Bay Area Counties such as San Francisco, San Mateo, Contra Costa, Marin, and Alameda.   Los Angeles VA Loans are available up to $593,750 with no down payment.    2011 VA Loan updates here
We are also able to exceed the VA County VA Loan limit with downpayment of 25% of the … (0 comments)

san diego: An overview of the California VA Loan process - 07/25/10 01:47 PM
An overview of the California VA Loan process
We would like to give our Veterans an overview of what to expect when it comes to California VA Loans. 
The process for purchasing a home with a VA Mortgage in California is nearly the same as refinancing with a new VA Loan.  Our goal here is to provide a basic understanding of the VA Loan Process for our Veterans and Active Duty Personnel to make the process a bit easier.
If you are purchasing a home, the first step is the loan Pre-Approval.  A VA refinance loan doesn't require pre-approval.   Here are the most common … (0 comments)

san diego: Mortgage Rate Alert - all -time lows - 07/22/10 10:43 AM
Immediate Rate Alert!   All-time low rates are available on FHA, VA & Conventional Loans available now.    
30 year fixed rate loans for Purchase & Refinance including all of the following loan types are at all-time lows:
FHA for purchase or refinance VA for purchase or refinance Conforming for purchase or refinance FHA Jumbo VA Jumbo Conforming Jumbo FHA Streamline Refinance VA IRRRL Streamline Refinance FHA Jumbo Streamline Refinance VA Jumbo IRRRL Streamline Refinance Home Affordable Refinance 203K Rehab Loans for purchase or refinance Whether you are purchasing a home or need to refinance to lock in these low rates, Do … (0 comments)

san diego: California FHA lender - FHA & FHA Jumbo - Direct Lender - 06/28/10 04:28 AM

California FHA Home Mortgage Loans - VanDyk Mortgage - California FHA Lender.  VanDyk Mortgage is your source for FHA Loans in California.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender. We offer many loan programs for California Homebuyers and California Homeowners to Purchase and refinance homes.
FHA Purchase Loans FHA Refinance Loans FHA Jumbo (aka High Balance) FHA Streamline Loans California FHA Loans are available up to $729,750 with just 3.5% down payment in high cost counties. The FHA 2011 Loan Limita for California are up to $729,750.   California FHA Loans that … (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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