san marcos: 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 marcos: 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 marcos: San Diego Conventional Loans with 3% down payment - Yes, in California! - 97% conventional financing options for San Diego Home Buyers - 05/28/11 08:57 AM
This Program will be Retired by Fannie Mae and Freddie Mac (FNMA & FHLMC)  on Jan 8, 2014  
San Diego Conventional Loans with 3% down payment - Yes, in California!  - 97% conventional financing options for San Diego Home Buyers
VanDyk Mortgage offers Conventional Purchase and Refinance loans up to $417,000 with just a 3% down payment for San Diego County Homes.   Here are some basic details:
San Diego and San Diego county Cities are now eligible for our Conventional Loans up to 97% Loan to Value - Only 3% down payment is required.   We do not consider … (0 comments)

san marcos: 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 marcos: Oceanside VA Condo Loans -VA Loans to buy or refinance Condo's and Condominiums in Oceanside - 06/01/10 06:22 PM
Oceanside VA Condo Loans -VA Loans to buy or refinance Condo's and  Condominiums in Oceanside
VanDyk Mortgage is a VA Lender offering VA Loans to purchase or refinance Condominiums in Oceanside, CA.   The tightening credit market of the past couple years has made it more difficult to attain financing on on Condominiums as Conventional Agencies Fannie Mae & Freddie Mac have added many restrictions on Condos, both in the way of reduced eligibility and also increased rates for Condo's.   FHA also recently changed it's rules for Condominium eligibility as well, making it even harder for Sellers and Listing Agents to sell … (0 comments)

san marcos: Escondido VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender - 05/26/10 06:30 AM
Escondido VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender.   VanDyk Mortgage is your source for VA Loans and FHA Loans in Escondido.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Escondido Homebuyers and Escondido Homeowners to Purchase and refinance homes..
FHA & FHA Jumbo (aka High Balance) VA & VA Jumbo (aka High Balance) Conforming & Conforming Jumbo (aka High Balance or Super Conforming) Jumbo Loans to $3m Escondido FHA Loans are available up to $697,500 with … (0 comments)

san marcos: Temecula FHA Lender - VA Lender - California FHA Loan & VA Loan info for Temecula California -CA - 04/05/10 07:20 AM
Temecula VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender.VanDyk Mortgage is your source for VA Loans and FHA Loans in Temecula. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Temecula Homebuyers and Temecula Homeowners to Purchase and refinance homes..
FHA & FHA Jumbo (aka High Balance) VA & VA Jumbo (aka High Balance) Conforming & Conforming Jumbo (aka High Balance or Super Conforming) Jumbo Loans to $3m Temecula FHA Loans are available up to $500,000 with just … (0 comments)

san marcos: Murrieta VA Loans and Murrieta FHA Loans - California VA Lender & FHA Lender - Home Mortgage - 04/05/10 07:13 AM
Murrieta VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender. VanDyk Mortgage is your source for VA Loans and FHA Loans in Murrieta. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Murrieta Homebuyers and Murrieta Homeowners to Purchase and refinance homes..
FHA & FHA Jumbo (aka High Balance) VA & VA Jumbo (aka High Balance) Conforming & Conforming Jumbo (aka High Balance or Super Conforming) Jumbo Loans to $3m Murrieta FHA Loans are available up to $500,000 … (0 comments)

san marcos: San Marcos California - VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender - 04/04/10 08:35 AM
San Marcos VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender.VanDyk Mortgage is your source for VA Loans and FHA Loans in San Marcos.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for San Marcos Homebuyers and San Marcos Homeowners to Purchase and refinance homes in San Marcos.
FHA & FHA Jumbo (aka High Balance) VA & VA Jumbo (aka High Balance) Conforming & Conforming Jumbo (aka High Balance or Super Conforming) Jumbo Loans to $3m San Marcos FHA … (0 comments)

san marcos: Getting FHA & VA purchase offers approved - 04/04/10 05:07 AM
Getting FHA & VA purchase offers approved can seem daunting to a home buyer (and Realtors too).  
Many buyers experience a long frustrating process when trying to bid on Bank Owned, REO, Short Sale, or Corporate Owned Properties with a FHA loan or VA loan.   Why is this?   Steve Hall with RE/Max United,  one of our preferred Realtors here in North County San Diego, wrote a great success story on his blog regarding FHA & VA purchase offers.  
I fully agree with Steve that it boils down to much more than the type of loan you are using when trying to get an offer … (0 comments)

san marcos: January 11th, 2009 - 01/11/09 04:35 PM
This is a test post.  
 
www.vandykfunding.com www.fhadirectlenders.com www.ajsandiego.com
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san marcos: President Bush compromise may help thousands of Homeowners out of trouble - 07/23/08 01:48 PM
Today,  The White House announced that the President would lift his opposition to a Housing bill being voted on today in the House of Representatives.   This bill includes several upgrades for homeowners accross America.   It provides tax credits for first time homebuyers of up to $7500.  Property Tax credits for other qualifying homeowners.   Authorizes Government investment to shore up Fannie Mae & Freddie Mac, the two largest guarantors of home mortgages.  It will allow permanent upgrades to the maximum loan amounts for Fannie, Freddie & FHA (details to come in the following weeks).  Here is the part that really inspired me to write … (0 comments)

san marcos: Consumer help for ARM or Adjustable Rate Mortgage Holders - 07/09/08 04:48 PM
When we first start working with a client, We tell you that our company is different from others in the mortgage industry. We will always keep you up-to-date on the major changes in the market that could affect your financial goals or the goals of those close to you.
This is one of those times. In a recent New York Times article, the subprime lending collapse was faulted for "industry-wide problems" that affect more than just those borrowers with poor credit or subprime Adjustable Rate Mortgages (ARMs). Now, because of credit tightening, even borrowers with good credit and A-paper ARMs are expected … (0 comments)

san marcos: Homebuyers can now use FHA loans for Bank-Owned and REO propeties - 07/01/08 05:09 PM
HUD has recently made changes allowing homeowners to qualify for FHA loans when buying homes that have been foreclosed, returned to lender (deed in lieu of foreclosure),  AKA REO properties.   REO stands for Real Estate Owned, which are essentially Bank Owned Repos.    Outdated regulations from HUD to prohibit property flipping and false price appreciation made it difficult for banks to sell recently foreclosed properties due to a HUD rule which prohibited the use of a FHA loan to purchase a home that had not been owned by the seller for atleast 90 days.   This has now been lifted until June 2009.  
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san marcos: HUD changes allow home buyers to use FHA loans to Buy REO's/Bank Owned Homes - 07/01/08 05:07 PM
HUD has recently made changes allowing homeowners to qualify for FHA loans when buying homes that have been foreclosed, returned to lender (deed in lieu of foreclosure),  AKA REO properties.   REO stands for Real Estate Owned, which are essentially Bank Owned Repos.    Outdated regulations from HUD to prohibit property flipping and false price appreciation made it difficult for banks to sell recently foreclosed properties due to a HUD rule which prohibited the use of a FHA loan to purchase a home that had not been owned by the seller for atleast 90 days.   This has now been lifted until June 2009.  
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san marcos: Fannie Mae's turnabout on Declining markets. Will it really help? - 05/18/08 05:03 PM
Fannie Mae announced that they will no longer require an extra 5% down payment for purchases in "Declining Markets" beginning June 1.   The real question is will this change help.   The answer is Yes for some borrowers, and not at all for others.   There are 2 factors above and beyond Fannie Mae's basic guidance that will continue to hinder homebuyers looking to put less money down.   Mortgage Insurers have increased minimum Fico requirements for all loans, especially those over 90% loan to value.   Please note that FHA loans do not have Fico minimums at this point.   The other factor effecting the … (0 comments)

san marcos: FHA Jumbo or FHA Stimulus Size - what is it called? - 05/18/08 04:35 PM
There is some confusion out in the media about the new FHA loan limits and just what to call these new loans.   We have several investors that call these Stimulus Size FHA loans, and some call them FHA Jumbo loans.   We just call them great loans.  Your buyers can benefit greatly from these loans.
These loans can qualify borrowers in high cost areas for much higher loan amounts for safe, secure FHA loans with just 3% down payment or 3% equity for refinance.   The available loan amounts in areas such as Los Angeles & Orange County, & San Francisco (and much of the Bay Area) … (0 comments)

san marcos: FHA Jumbo or FHA Stimulus Size - what should we call it? - 05/18/08 04:33 PM
There is some confusion out in the media about the new FHA loan limits and just what to call these new loans.   We have several investors that call these Stimulus Size FHA loans, and some call them FHA Jumbo loans.   We just call them great loans.  
These loans can qualify borrowers in high cost areas for much higher loan amounts for safe, secure FHA loans with just 3% down payment or 3% equity for refinance.   The available loan amounts in areas such as Los Angeles & Orange County, & San Francisco (and much of the Bay Area) now allow loans up to $729,750 with … (0 comments)

san marcos: FHA scores again for home buyers - 04/02/08 05:39 PM
FHA Loans guaranteed by HUD are fast becoming the loan of choice again for first time homebuyers and also those buyers who do not want to put 5, 10 or 20% down payment on their new home (there is good reason to keep your assets in other areas, that will be another post, or call me to find out why). The FHA loan requires just 3% down payment. Sellers can contribute to down payment and closing costs as well, it just requires the use of one of our Down Payment Assistance programs to administer the transfer of funds. (HUD requirement). So … (0 comments)

san marcos: New Loan Limits released for FHA loans - 03/12/08 06:15 PM
New Loan Limits released for FHA loans
 
HUD has finalized the new 2008 loan limits for FHA Government backed loans. The new limits increase the max loans for FHA from just over $368K up to $729,750.
Although the highest amounts are for high cost metropolitan areas such as Los Angeles, New York, & San Francisco, Every county in America benefits from an increase in the FHA loan limit from $200K to a new minimum limit of $271,050. This helps to increase the number of US households that can qualify to purchase and refinance their homes.
You can find the new … (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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