va loan: VA FAQ #23: What is the VA Loan Limit for a Duplex or 2 Unit home? - 04/25/15 04:22 AM
What is the VA Loan Limit for a Duplex or 2 Unit home?
This is a common question we hear, as well as what is the VA Loan Limit for a 3 unit, triplex, 4 unit or fourplex?    When Congress allowed the VA Jumbo / VA High Balance loan limit calculations to expire in 2015,  the VA Loan Limits reverted to the Fannie Mae/ Freddie Mac limits for Single Family homes.   That is where the rub comes in.   VA does not have a separate loan limit for 2, 3 or 4 unit homes like FHA and Fannie/ Freddie.   … (0 comments)

va loan: VA FAQ #22 - Does the VA allow 100% Cash Out VA Loans? - 03/20/15 09:26 AM
VA FAQ #22 - Does the VA allow 100% Cash Out VA Loans?
 
100% Cash Out VA Loans are available again.    You read the headline correct:   VanDyk now offers VA loans up to 100% loan to value for VA cash out refinances.   VA refinances are no longer capped at 90% of your current appraised value.   These are available up to $424K loan amounts.   (if your VA Loan Amount will need a higher balance, Our VA Jumbo Loans allow up to 100% as well.  Please inquire direct to 760-752-4480 to see if you have enough equity to make a new … (0 comments)

va loan: Get Started here for your VA Loan Approval - 02/27/15 08:33 AM
We offer fully Underwritten Approvals for VA & VA Jumbo Purchase Loans prior to finding a property.  
We call this our Fast Forward Approval program.   
Our proprietary Fast Forward Approval process solidifies your qualifications, and also allows you to move through your Purchase Transaction in a comfortable, timely fashion that has much less stress than rushing through both the loan and purchase at the same time.   Most of the heavy lifting is done up front so you can concentrate on finding and closing on the best home for your family.  
Let's get started,  we would be … (0 comments)

va loan: VA FAQ #16 - How soon after a Foreclosure can I qualify for a VA Loan? - 07/22/14 06:11 AM
VA FAQ #16 - How soon after a Foreclosure can I qualify for a VA Loan?
 
We offer VA Loans as soon as 24 months after your prior Foreclosure.   The operative date may surprise you,  as it varies by state and the methods of Foreclosure Transfers.   In most states,  it is based on the Trustee deed or Sherrif's deed, which corresponds to the date the home was sold on the courthouse steps.  
>>> Complete VA Loan information for post Foreclosure VA Loan qualification
Note,  if the prior loan was a FHA, USDA or VA Loan, please contact us to help determine … (0 comments)

va loan: Fact or Fiction: The $1m San Diego VA Loan - 03/23/14 03:28 PM
Fact or Fiction:  The $1m San Diego VA Loan
Fact:  VanDyk closes $1m VA Loans (and VA Loans over $1m).  This may sounds ridiculous to many, but we offer (and make) $1m VA Loans for San Diego Veeterans.  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 San Diego, 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 … (0 comments)

va loan: Is this Virginia Condo VA Approved? - 03/23/14 03:16 PM
Is this Virginia Condo VA Approved?  
We hear this question quite often. The answer isn't always easy to find for Veteran Homebuyers in Virginia.  Real Estate Agents, Sellers, and sometimes even the HOA don't have the most updated info on their VA Condo Approval Status.
Why is this?   Shouldn't it be easy to figure out if the Condo is VA Approved?   I agree 100%.  However, the VA Condo Search Portal doesn't index by the common names you would normally use for a Virginia VA Condo.  The VA uses an assortment of names:  HOA Name, Tract number, Map Number, or another abbreviation, loosely based on … (0 comments)

va loan: VA Loan over $1m - 03/18/14 03:05 PM
VA Loan over $1m
This may sound ridiculous to some folks, but we offer (and make) $1m VA Loans.  In fact,  we offer, make, and close VA Jumbo Loans over $1m,  all the way to $1.5M!   
How does VanDyk Mortgage do this?   We utilize the combination of VA Loan Limits (base amount $417K nationwide, higher in high cost counties), plus a down payment on a VA purchase loan, or sufficient equity on a VA Refinance Loan.  These large VA Loans have multiple names: VA Jumbo, VA High Balance, and sometimes VA Super Conforming.  We call them VA Jumbo Loans.   
The nationwide minimum VA Loan … (0 comments)

va loan: Wyoming VA Loan Limits for 100% no down financing 2015 - 03/18/14 02:33 PM
Wyoming VA Loan Limits for 100% no down financing 2015
Wyoming VA Loan Limits for 2015 remain at $417K for most Wyoming Counties.   However, Teton County sports a High Balance VA Loan Limit of $625K for Zero Down VA Loan financing for 2015.
Teton county Vets can purchase a home up to $625K with a Zero Down VA Jumbo Loan (aka VA High Balance, or VA Super Conforming).  In Teton County,  Vets can also exceed the County VA Loan Limit of $625K, with a down payment of 25% of the overage beyond $625K.  For example,  if a Teton County, WY Veteran wanted … (0 comments)

va loan: 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)

va loan: Mono VA Loan Limit for 2014 revised higher - 03/09/14 03:44 PM
Mono VA Loan Limit for 2014 revised higher
The Mono VA Loan Limit for 2014 has been revised by the VA as of 3-6-2014.    The VA has reassessed their calculations, and increased the Mono County VA Loan limit to $529,000 for the remainder of 2014.   
This allows Mono County Vets to purchase a home up to $529,000 with no down payment required, as well as expand VA Refinance options. Mono Vets can also purchase homes that exceed $598K with an accompanying Down payment of 25% of the difference between the VA County Loan Limit and your purchase price.   
 
Please visit our VA Loan … (0 comments)

va loan: San Luis Obispo VA Loan Limit for 2014 revised higher - 03/09/14 03:39 PM
San Luis Obispo VA Loan Limit for 2014 revised higherThe San Luis Obispo VA Loan Limit for 2014 has been revised by the VA as of 3-6-2014.    The VA has reassessed their calculations, and increased the San Luis Obispo County VA Loan limit to $561,200 for the remainder of 2014.   This allows San Luis Obispo County Vets to purchase a home up to $561,200 with no down payment required, as well as expand VA Refinance options. San Luis Obispo Vets can also purchase homes that exceed $598K with an accompanying Down payment of 25% of the difference between the VA County … (0 comments)

va loan: Ventura VA Loan Limit for 2014 revised higher - 03/09/14 03:34 PM
Ventura VA Loan Limit for 2014 revised higher
The Ventura VA Loan Limit for 2014 has been revised by the VA as of 3-6-2014.    The VA has reassessed their calculations, and increased the Ventura County VA Loan limit to $598,000 for the remainder of 2014.   
This allows Ventura County Vets to purchase a home up to $598,000 with no down payment required, as well as expand VA Refinance options. Ventura Vets can also purchase homes that exceed $598K with an accompanying Down payment of 25% of the difference between the VA County Loan Limit and your purchase price.   
Please … (0 comments)

va loan: Alpine County CA - VA Loan Limit for 2014 revised - 03/09/14 03:28 PM
Alpine County CA - VA Loan Limit for 2014 revised 
The Alpine County, California VA Loan Limit for 2014 has been revised by the VA as of 3-6-2014.   The VA reassessed their calculations, and increased the Alpine County VA Loan limit to $463,450 for the remainder of 2014.   
This allows Alpine County Vets to purchase a home up to $463,450 with no down payment required, as well as expand VA Refinance options. 
Please visit our VA Loan Infosite for more info on VA Loans and VA Jumbo Loans.
 
 
(0 comments)

va loan: Sacramento VA Loan Limits for 2014 revised and increased - 03/07/14 04:29 AM
Sacramento VA Loan Limits for 2014 revised and increased 
The Sacramento VA Loan Limit for 2014 has been revised and increased by the VA.   They revisited their calculations, and increased the Sacramento County VA Loan limit to $474,950 for the remainder of 2014.   
This allows Sacramento Vets to purchase a home up to $474,950 with no down payment required, as well as expand VA Refinance options.   For instance,  a Sacrament Veteran could utilize a VA Jumbo loan to refinance a first and second mortgage up to $787,500 on a $875K home.  
Sacramento, El Dorado, Placer, and Yolo counties … (0 comments)

va loan: Massachusetts VA Jumbo Loans after Bankruptcy, Foreclosure, Short Sale - 02/24/14 09:11 AM
Massachusetts VA Jumbo Loans after Hardship - Bankruptcy, Foreclosure, Short Sale
Many Massachusetts Veterans have encountered financial Hardship during the past several years. Active Duty Recalls, Overseas Tours, Risky Mortgage Loans, falling Real Estate Prices, Unemployment, etc have created financial Hardship for many Veterans across the Country in the form of Bankruptcy, Foreclosure and Short Sale. 
We have good news for our Vets:  You may qualify for a VA Jumbo Loan with VanDyk Mortgage as soon as 2 years after one of these events.     
Here is a quick list of the waiting period for each Hardship.
Massachusetts VA Jumbo Loans after Financial Hardship:
VA Jumbo Loan … (0 comments)

va loan: Massachusetts VA Loans after - Bankruptcy, Foreclosure, Short Sale - 02/24/14 09:10 AM
Massachusetts VA Loans after Hardship - Bankruptcy, Foreclosure, Short Sale
Many Massachusetts Veterans have encountered financial Hardship during the past several years. Active Duty Recalls, Overseas Tours, Risky Mortgage Loans, falling Real Estate Prices, Unemployment, etc have created financial Hardship for many Veterans across the Country in the form of Bankruptcy, Foreclosure and Short Sale. 
We have good news for our Vets:  You may qualify for a VA Loan with VanDyk Mortgage as soon as 2 years after one of these events.    
Here is a quick list of the waiting period for each Hardship below. 
Massachusetts VA Loans after Financial Hardship:
VA Loan after … (0 comments)

va loan: A quick word of Thanks and Hope for our Vets - 02/24/14 08:59 AM
A quick word of Thanks and Hope for our Vets
The first part of this article is a big Thank you to our Veterans and Active Duty Military Members for your service to our country,  helping to preserve our freedom and democracy.    
The second part of the message is to open the door of Hope for VA Homebuyers.  We want you to know that we are here to help you utilize your VA home loan benefit, fulfill your hopes and dreams of owning your own home.   Many Veterans reach out to us with their questions regarding VA loan qualification.   Especially regarding how … (0 comments)

va loan: What is the Maximum Debt Ratio- (aka DTI) with a VA Loan with QM? - 02/16/14 02:37 PM
What is the Maximum Debt Ratio- (aka DTI) with a VA Loan with QM?
There has been much talk about how QM will result in more denials for VA Home Buyers using VA Financing due to new Federally Mandated restrictions regarding Mortgage Loans.    QM is also known as Qualified Mortgages, as defined  in the Dodd-Frank legislation.   QM went into effect the same time as ATR, in January, 2014,   ATR stands for Ability to Repay.   This basically codified how and what lenders must verify, document and consider when qualifying VA borrowers for VA Loans under QM/ ATR.  VA stands … (0 comments)

va loan: 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)

va loan: San Diego VA Condo Loan Information - 01/19/14 12:46 AM
San Diego VA Condo Loan Information
A great alternative for San Diego Veterans  to Purchase or Refinance a home in San Diego is to consider a Condominium and utilize their VA Home Loan Benefit to Purchase or Refinance a Condo using VA Financing (or VA Jumbo Financing).    
VanDyk Mortgage offers (and is knowledgable with) VA Condo Loans for Purchasing a Condo, VA Condo Loans for Refinancing a condo, or VA Condo Loans for VA Streamline.  
We also offer a full selection of VA Jumbo (aka VA high Balance) loans for the purchase, refinance, or IRRRL streamline of your … (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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