san francisco: **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 francisco: 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 francisco: Improved Options for San Francisco FHA Streamline Refinances - 07/21/12 09:57 AM
Improved Options for San Francisco  FHA Streamline Refinances
Improved Options for San Francisco FHA Streamline Refinances are coming.  The Whitehouse authorized changes to the FHA Streamline Refinance Program are available now, and will help many San Francisco 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 Francisco and San Francisco 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 francisco: 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 francisco: 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 francisco: VA IRRRL Streamline Refinance Options for San Francisco Veterans - 04/29/12 04:51 AM
VA IRRRL Streamline Refinance Options for San Francisco Veterans
The VA IRRRL Streamline Refinance is a great option to reduce the interest rate on your San Francisco VA Loan or VA Jumbo Loan.   The VA Streamline requires reduced documentation,  and offers a streamlined process, sometimes with no Appraisal Required.   
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 Francisco VA … (0 comments)

san francisco: Can I Purchase a home in San Francisco with no PMI or MIP? - 04/11/12 03:49 AM
Can I Purchase a home in San Francisco with no PMI or MIP?  
We offer San Francisco and San Francisco 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 Francisco and San Francisco Countywith no MI, PMI, or MIP. 
Many San Francisco 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 francisco: 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 francisco: 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 francisco: 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 francisco: 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 francisco: 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 francisco: 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 francisco: 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 francisco: 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)

san francisco: VA Loan Limits to remain unchanged for remainder of 2011 - 08/03/11 09:48 AM
VA Loan Limits to remain unchanged for remainder of 2011. 
The VA has announced that the County Loan Limits for VA Loans will remain unchanged for Oct. 1, 2011- the extension will last until Dec 31, 2011.   This announcement from the VA alleviates concerns that the end of the Temporary High Cost Loan Limits for Fannie Mae, Freddie Mac and FHA Loans set to end on Sept. 30, 2011 would have an adverse impact on Veterans utilizing the VA Jumbo or VA High Balance loan program during the last quarter of 2011.
Here is a link to the VA Announcement … (0 comments)

san francisco: Common myth about VA Loans explained - the VA County Loan Limit - 07/03/11 03:19 PM
Common myth about VA Loans explained - the VA County Loan Limit
A common myth with VA Loans is that they aren't relevant or used very often for your area, or the loan amounts are too low for your area or that VA Loans are only available up to the VA Loan Limit for your County.   In the past these may have been true, but recent changes to VA Loans and VA Jumbo have altered the picture, especially in California.   Many Lenders also do not offer VA Loans exceeding your county VA Loan Limit.   VanDyk Mortgage allows you to … (0 comments)

san francisco: Using your 2011 VA Home Loan Benefit in San Francisco -part 2 - refinance your home with a VA Loan - 01/30/11 12:05 PM
 
Using your 2011 VA Home Loan Benefit in San Francisco -part 2 - refinance your home with a VA Loan
The VA Home Loan benefit is a great opportunity for San Francisco  Veterans and Active Duty Military to refinance a San Francisco home or San Francisco condo.   We thought it would be a good idea to quickly review the benefits of VA Loans for our San Francisco Veterans, and a few ways to use them to your benefit.   Check out the 2011 updates for San Francisco VA Loans here.
VA Loans require zero downpayment to purchase a home … (0 comments)

san francisco: Using your VA Home Loan Benefit in San Francisco, part 1 - Purchase a home in 2011 with a VA Jumbo Loan - 01/30/11 11:52 AM
 
Using your VA Home Loan Benefit in San Francisco, part 1 - Purchase a home in 2011 with a VA Jumbo Loan
The VA Home Loan benefit is a great opportunity for San Francisco 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.
VA Loans require zero downpayment up to $1,000,000 in San Francisco.
VA Jumbo Loans - zero downpayment required up to $1,000,000 VA Jumbo Loans are also known as VA … (0 comments)

san francisco: VA Jumbo Purchase Loans - Filling in the gaps that Conventional loan still don't serve in 2011 - 01/30/11 11:24 AM
VA Jumbo Purchase Loans - Filling in the gaps that Conventional loan still don't serve in 2011.  
This sounds a little backwards from what you may have thought, seen or heard in the past about VA Loans, specifically VA Purchase Loans.   VA now allows higher loan amounts up to $1,500,000,  and VanDyk Mortgage offers these throughout California and Washington.
Conventional Loans require more equity for Jumbo loan amounts over $417,000 for purchase of a home or condo than typical VA requirements.  True Jumbo Conventional Loans require at least 20% down payment to purchase a home, and more if you … (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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