seattle: The $1m Washington VA Loan - 03/09/14 03:59 PM
The $1m Washington VA Loan
This may sounds ridiculous to many, but we offer (and make) $1m VA Loans.  In fact,  we offer VA Loans over $1m,  all the way to $1.5M!   How is this you ask?   Via the combination of VA Loan Limits in Washington, plus a down payment on a VA purchase loan, or sufficient equity on a VA Refinance Loan.    These large VA Loans have several names: VA Jumbo, VA High Balance, and sometimes VA Super Conforming.   We call them VA Jumbo Loans.   
Washington has several counties that exceed the standard VA Loan limit of $417K.   King, … (0 comments)

seattle: 2012 Washington State VA Loan Limits - 08/10/12 12:50 AM
2012 Washington State VA Loan Limits - updated Aug 2012
The Veterans Administration, in concert with some help from Congress now allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas such as California and Washington at increased loan amounts for the remainder of 2012,  higher than the old VA limits. 
Some examples in King County, Washington are Seattle, Bellevue, Kirkland, Redmond, Issaquah, Kent, Auburn, Burien, Des Moines, Snoqualmie, North Bend, Sammamish, Shoreline, and Woodinville may qualify for a 100% VA Jumbo loan up to $498,750.   Pierce County cities including Tacoma, Federal Way, Bonney Lake, Puyallup, Port Orchard, Spanaway, … (0 comments)

seattle: Improved Options for Seattle FHA Streamline Refinances - 07/21/12 09:57 AM
Improved Options for Seattle  FHA Streamline Refinances
Improved Options for Seattle FHA Streamline Refinances are here.  The Whitehouse authorized changes to the FHA Streamline Refinance Program are available now, and will help many Seattle 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 Seattle and King County  Homeowners have been prohibitive the past couple years due to increased FHA Mortgage Insurance rates.   The new FHA Streamline Changes reduce fees for FHA Streamline Borrowers. The new program will … (0 comments)

seattle: Washington FHA Streamline Refinances- not restricted to your current Lender - 06/20/12 08:07 AM
Washington FHA Streamline Refinances- improved optons for 2012 available now - we have no current Lender Restrictions!
Some major Lenders have announced additional restrictions on FHA Streamlines.   They no longer allow you to refinance your FHA Loan with them using a FHA Streamline, unless your current FHA or FHA Jumbo Loan is with them (ie Wells Fargo among others).  We do not restrict you from qualifying for a FHA or FHA Jumbo Streamline refinance with us based on your current Lender.  We will approve you based on your qualification, not who is your current Lender.  
VanDyk Mortgage also offer … (0 comments)

seattle: Washington FHA Jumbo Streamline Refinances - 06/19/12 03:22 AM
Washington FHA Jumbo Streamline Refinances
Improved Options for Washington FHA Streamline Refinances are now here.  The Whitehouse authorized changes to the FHA Streamline Refinance Program  are now available.    These FHA Streamline Fee reductions will help many Washington Homeowners with FHA Loans made prior to June 1, 2009 save hundreds per month.
We offer FHA Jumbo Streamlines that exceed the current FHA Loan Limits
The options for FHA Streamlines for Washington Homeowners have been prohibitive the past couple years due to increased FHA Mortgage Insurance rates.   The new FHA Streamline Changes reduce fees for FHA Streamline Borrowers.  The new program will reduce the … (0 comments)

seattle: Enhanced Refinance Options for Seattle Fannie Mae and Freddie Mac Loans - HARP 2012 - 03/18/12 05:19 PM
Enhanced Refinance Options for Seattle Fannie Mae and Freddie Mac Loans - HARP 2012
Fannie Mae & Freddie Mac have both extended and enhanced the HARP Refinance program for 2012 for Seattle homeowners.  HARP = Home Affordable Refinance Program for Conventional Conforming loans.
This program offers savings for Underwater and upside down Seattle Homeowners!  Many homeowners previously denied for Harp Refinance Loans will now qualify.
The Regulator for Government run Fannie Mae and Freddie Mac has authorized improvements and an extension on the HARP Refinance initiative in 2012 for Seattle, Washington Homeowners.  This is also called the Home Affordable Refinance Program.   … (0 comments)

seattle: VA IRRRL Streamline Refinance for Rental Home in Washington? - 03/09/12 02:31 AM
VA IRRRL Streamline Refinance for Rental Home in Washington?  (ie  Non-owner occupied home or Investment home?)
Can I use the VA IRRRL Streamline Option for my Washington VA Loan on a Rental home?  This is a common question for  Washington  Veterans and Active Duty Military Personel who have utilized their VA Benefit to purchase a home in  Washington  using a VA Loan, and then are transferred to another area via PCS, or perhaps they have purchased another home to keep up with family size, larger home needs, relocate, etc.  
So what is the answer to the question - Can I get a VA IRRRL Streamline Refinance … (0 comments)

seattle: Can I Purchase a home in Washington with no PMI or MIP? - 02/24/12 01:30 AM
Can I Purchase a home in Washington with no PMI or MIP?  
We offer Washington State 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 in Washington with no MI, PMI, or MIP. 
Many Washington State 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 NO PMI Purchase Loan - available up to … (0 comments)

seattle: VA IRRRL Streamline Refinance for Washington Non-owner occupied home - 02/04/12 04:12 AM
Can I get a VA IRRRL Streamline Refinance for my Washington Non-owner occupied home?  
This is a common question for many Washington state Veterans and Washington based Active Duty Military Personel who have utilized their VA Benefit to purchase a home in Washington 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 … (0 comments)

seattle: New Washington State VA Loan Limits for 2012 Announced by VA - 12/08/11 11:39 AM
New Washington State VA Loan Limits for 2012 Announced by VA 
The VA has announced the 2012 Washington State 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 Washington counties such as King, Pierce and Snohomish counties allow 100% VA Financing up to $458,850 and San Juan county up to $432,400.  
Please see the entire list of WA VA Loan Limits below,  any counties not listed have a … (0 comments)

seattle: 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)

seattle: 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)

seattle: The MI Removal Loan - Seattle Refinance - up to 95% ltv with no PMI, no MI, and no MIP. Available up to $417K loan amounts - 09/11/11 12:10 PM
The MI Removal Loan - Seattle 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 Seattle, Washington with no MI, PMI, or MIP. 
Recent changes to FHA Streamline MIP Rates have made streamline refinancing FHA Loans less attractive for Seattle Area and Washington State 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)

seattle: Fannie Mae & Freddie Mac extend HARP Refinance program into 2012 for Washington homeowners - 08/20/11 12:50 PM
Fannie Mae & Freddie Mac extend HARP Refinance program into 2012 for Washington 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 for Washington Homeowners.  This is also called the Home Affordable Refinance Program.   This program allows Washington 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 … (0 comments)

seattle: 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)

seattle: Rate Update and Alert - Conventional Purchase and Refinance Loans at all time lows - 08/04/11 06:23 AM
Rate Update and Alert - Conventional Purchase and Refinance Loans at all time lows
Rates for Conventional Purchase and Refinance Loans  (aka Conforming Loans or Fannie Mae Loans) are now at all -time lows.  
The US Debt Ceiling Saga, and with World and Euro Money market worries continue to cast doubt about the economic recovery worldwide.   This has Driven US Mortgage rates down, especially Conforming Loans and Conventional Loans under $417K such as Fannie Mae and Freddie Mac Loans.   
If your current Interest Rate is too high (4.875% or higher),  please give us a call to get started and lock in your low rate.    … (0 comments)

seattle: Seattle Conventional Loans with 3% down payment - 97% conventional financing options for the Seattle Area - 07/03/11 03:22 PM
 This Program will be Retired by Fannie Mae and Freddie Mac (FNMA & FHLMC)  on Jan 8, 2014  
Seattle Conventional Loans with 3% down payment - 97% conventional financing options for the Seattle  Area
VanDyk Mortgage offers Conventional Purchase loans up to $417,000 with just a 3% down payment for Seattle Homebuyers.    Here are some basic details:
The Seattle Area is now eligible for our Conventional Fannie Mae Loans up to 97% Loan to Value - Only 3% down payment is required.    We do not consider WA a declining market, so we are able to offer these enhance … (0 comments)

seattle: Using your VA Home Loan Benefit to purchase a Duplex or 2, 3 or 4 Unit property in Washington - 07/03/11 01:01 PM
Using your VA Home Loan Benefit to purchase a Duplex or 2, 3 or 4 Unit property in Washington 
We offer VA Loans to finance the Purchase of a multi family home (2-unit, 3-unit or 4 Unit, aka Duplex, Triplex, and Fourplex).  This can be a great investment strategy, as you can live in one of the units and rent out the other units. This awesome opportunity that requires Zero Downpayment or Equity up to the VA Loan Limits for your county, and that you live in and occupy one of the units to qualify for VA Financing.
You can use … (0 comments)

seattle: Seattle VA Loans and VA Jumbo Loans - VA Loans to buy or refinance Homes in Seattle - 03/19/11 07:08 AM
Seattle VA Loans and VA Jumbo Loans - VA Loans to buy or refinance Homes in Seattle
VanDyk Mortgage is a VA Lender offering VA Loans to purchase or refinance Homes in Seattle.   The tightening credit market of the past couple years has made it more difficult to attain financing as Conventional Agencies Fannie Mae & Freddie Mac have added many restrictions to lending, both in the way of reduced eligibility and also increased restrictions.  
In comes the VA to the rescue for Seattle Veteran Home Buyers and Seattle Vet homeowners.   
VanDyk Mortgage offers VA financing with VA Loans up to $417,000 and we also offer VA … (0 comments)

seattle: 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)

 
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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