san jose: Improved Options for San Jose FHA Streamline Refinances - 07/21/12 09:55 AM
Improved Options for San Jose  FHA Streamline Refinances
Improved Options for San Jose FHA Streamline Refinances are coming.  The Whitehouse authorized changes to the FHA Streamline Refinance Program are available now, and will help many San Jose 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 Jose and Santa Clara 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 jose: 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 jose: 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:
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san jose: VA IRRRL Streamline Refinance Options for San Jose Veterans - 04/30/12 06:13 AM
VA IRRRL Streamline Refinance Options for San Jose Veterans
The VA IRRRL Streamline Refinance is a great option to reduce the interest rate on your San Jose 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 Jose VA IRRRL Streamline Refinance and VA Jumbo IRRRL Streamline:
On-time Mortgage … (0 comments)

san jose: Can I Purchase a home in San Jose with no PMI or MIP? - 04/07/12 06:44 AM
Can I Purchase a home in San Jose with no PMI or MIP?  
We offer San Jose and Santa Clara 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 throughout San Jose and Santa Clara County with no MI, PMI, or MIP. 
Many San Jose 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 … (0 comments)

san jose: San Jose FHA Streamline Refinances - new improvements for 2012 - 03/17/12 12:10 AM
San Jose FHA Streamline Refinances - new improvements for 2012
Improved Options for San Jose 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 Jose  Homeowners with FHA Loans made prior to June 1, 2009 save hundreds per month.
The options for FHA Streamlines for San Jose  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 $50 on a typical … (0 comments)

san jose: 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 jose: 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 jose: 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 jose: 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 jose: 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 jose: 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 jose: 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 jose: 2012 FHA Loan limit snapshot by city for California and Washington - 02/21/11 02:50 PM
2012 FHA Loan limit snapshot by city for California and Washington
2012 Loan Limits for FHA loans in California and Washington are adding support to the housing markets with purchase prices over $400K and helping those who want to borrow over $417,000 to purchase their new home. The Base FHA Loan Limit remains at $271,050 accross much of the USA. The Maximum limit for higher cost areas is now $729,750, with many counties accross America falling somewhere in between.   
Here are some highlights of the 2012 loan limits: Bellevue, WA $567,500 Carlsbad, CA $697,500 Chula Vista, CA $697,500 Escondido, CA … (0 comments)

san jose: Using your 2011 VA Home Loan Benefit in Oakland, part 1 - Purchase a home - 01/30/11 11:31 AM
 
Using your 2011 VA Home Loan Benefit in Oakland, part 1 - Purchase a home
The VA Home Loan benefit is a great opportunity for Oakland Veterans and Active Duty Military to purchase a home or condo utilizing a VA Loan.  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 Oakland for 2011
 
VA Loans - zero downpayment required up to $417,000 VA Jumbo Loans - zero downpayment required up to $1,000,000 (aka VA … (0 comments)

san jose: 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)

san jose: The VA Jumbo Refinance - VA Jumbo loans offer solutions conventional loans simply don't allow for 2011. - 01/30/11 10:58 AM
The VA Jumbo Refinance - VA Jumbo loans offer solutions conventional loans simply don't allow for 2011.    This sounds a little backwards from what you may have thought, seen or heard in the past about VA Loans, specifically VA Refinance Loans. VA now allows higher loan amounts up to $1,500,000, (even thought you may not need that much!) and VanDyk Mortgage offers these throughout California and Washington.
Conventional Loans require more equity for Jumbo loan amounts over $417,000 for both rate/term refinance and cash out refinance than VA requirements. True Jumbo Conventional Loans require at least 20% equity in your home … (0 comments)

san jose: Using your 2011 VA Home Loan Benefit in San Jose -part 2 - refinance your home with a VA Loan - 01/30/11 10:47 AM
 
Using your 2011 VA Home Loan Benefit in San Jose -part 2 - refinance your home with a VA Loan
The VA Home Loan benefit is a great opportunity for San Jose  Veterans and Active Duty Military to refinance a San Jose home or San Jose 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 for purchase of a home up to $843,750 in San Jose, and throughout Santa Clara County. 
VA Refinance Loans - available … (0 comments)

san jose: Using your 2011 VA Home Loan Benefit in San Jose, part 1 - Purchase a home - 01/30/11 10:36 AM
 
Using your 2011 VA Home Loan Benefit in San Jose, part 1 - Purchase a home 
The VA Home Loan benefit is a great opportunity for San Jose 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 $843,750 in San Jose and throughout Santa Clara County.
VA Loans - zero downpayment required up to $417,000 VA Jumbo Loans - zero downpayment required up to $843,750 … (0 comments)

san jose: Our rates for VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance are back at all time lows - 01/14/11 03:52 AM
Our rates for VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance are back at all time lows.
Rates for VA IRRRL Streamline Refinances and VA Jumbo IRRRL Streamline Refinance are back at all -time lows.   The recent upward trend of mortgage rates following the Fed's QE2 program has reversed, and rates are now back near all-time lows.   This has resulted in very low rates for VA Jumbo rates for VA loans over $417,000 are at their lowest point ever.   
If your current VA Rate is too high (5.25% or higher),  please give us a call to get started and lock in your low … (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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