washington: The FHA Simple Refinance - 09/15/15 01:58 AM
FHA's Simple Refinance 
On 9-14-2015,  HUD has released new FHA Guidance that includes dozens of changes to FHA Rules for qualifying borrowers to purchase and refinance homes.  This article will focus on FHA's new Simple Refinance.   The new FHA Guidelines eliminated that FHA Streamline Refinance with Appraisal.   This Streamline was beneficial to some FHA refinances as the Closing Costs and Prepaid items such as Property Tax and Insurance could be included in the Loan.   With a FHA Streamline without Appraisal,  the Closing Costs and Prepaid items such as Property Tax and Insurance must be paid either by the borrower … (0 comments)

washington: 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)

washington: Washington VA Loans after Bankruptcy, Foreclosure, and Short Sale - 01/20/14 09:05 AM
Washington VA Loans after Bankruptcy, Foreclosure, and Short Sale
During the past few years,  many Veterans have experienced a Home Foreclosure, Short Sale, or Bankruptcy.   Financial Hardships are never easy, and the VA is cognizant of this, and allows VA Lenders like VanDyk Mortgage the guidelines to help Veterans qualify for a new home purchase as soon as 24 months after the closure of one of these Hardship events.    
We offer VA and VA Jumbo Loans throughout Washington State.  We offer qualified Veterans who have experienced these hardships as short as 24 months waiting period after the Bankruptcy … (0 comments)

washington: VA FAQ #9 - Should I get a VA Pre-Qualification or VA Loan Pre-Approval? - 01/10/14 05:05 AM
VA FAQ #9 - Should I get a VA Loan Pre-Qualification or VA Loan Pre-Approval?
YES.   You should get a full VA Loan Pre-Approval before shopping for a Home when planning to use VA Loan Financing from a Direct Lender that specializes in VA and VA Jumbo Loans, such as VanDyk Mortgage.
Why should I get Pre-Approved vs Pre-qualified?  A VA Mortgage Loan Pre-Approval from a VA direct lender is superior to a simplistic VA Loan Pre-qualification.   Our VA Loan Pre-Approval means we have reviewed your documentation, qualifications, credit report, and any special circumstances particular to your situation to ensure that you qualify for a new VA … (0 comments)

washington: WA Conforming Loan Limits for 2014 - 11/26/13 04:29 AM
WA Conforming Loan Limits for 2014 - Washington State Fannie Mae & Freddie Mac Loan limits 2014
Fannie Mae & Freddie Mac have announced the 2014 Washington conforming loan limits (aka conventional loan limits).   The standard conventional loan limit remains at $417,000 accross most of the USA.  This is also called the Conforming Loan Limit ($417K).   High Cost Areas have loan limits up to $625,500, and  are called Conforming Jumbo, High Balance, or Super Conforming loans.
We offer Conforming Jumbo Loans for Single Family Homes up to $506,000 in King, Snohomish, and Pierce Counties, and up to $483,000 in San Juan … (0 comments)

washington: VA FAQ #7 - Can I use a VA Loan to refinance my non VA loan? - 10/10/13 09:36 AM
VA FAQ #7 - Can I use my VA Home Loan Benefit to refinance my non VA loan?
The short answer is YES, qualified Vets can utilize a VA Home Loan or VA Jumbo Loan to refinance your non-VA loan into a safe, secure VA Loan.  VA & VA Jumbo Loans can be used to refinance out of FHA loans, Conventional Loans, Helocs, Seconds, and Jumbo Loans into a new VA Loan or VA Jumbo Loan.  
There are many benefits of utilizing your VA benefit to refinance.   
VA Loan rates are very good when compared to Conventional Home Loan Rates … (0 comments)

washington: Improved Options for Spokane FHA Streamline Refinances for 2012 - 08/12/12 01:40 PM
Improved Options for Spokane  FHA Streamline Refinances for 2012
Improved Options for Spokane FHA Streamline Refinances are coming.  The Whitehouse authorized changes to the FHA Streamline Refinance Program are available now, and will help many Spokane Homeowners with FHA Loans made prior to June 1, 2009 save hundreds per month.
The options for FHA Streamlines for Spokane and Spokane 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 reduce the Upfront Mortgage Insurance Premium (UFMIP) to .01% according the news release by … (0 comments)

washington: Improved Options for Tacoma FHA Streamline Refinances for 2012 - 08/12/12 01:39 PM
Improved Options for Tacoma  FHA Streamline Refinances for 2012
Improved Options for Tacoma FHA Streamline Refinances are coming.  The Whitehouse authorized changes to the FHA Streamline Refinance Program are available now, and will help many Tacoma Homeowners with FHA Loans made prior to June 1, 2009 save hundreds per month.
The options for FHA Streamlines for Tacoma and Pierce 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 reduce the Upfront Mortgage Insurance Premium (UFMIP) to .01% according the news release by … (0 comments)

washington: 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)

washington: 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)

washington: Improved Options for Vancouver FHA Streamline Refinances - 07/21/12 09:51 AM
Improved Options for Vancouver  FHA Streamline Refinances
Improved Options for Vancouver FHA Streamline Refinances are coming.  The Whitehouse authorized changes to the FHA Streamline Refinance Program are available now, and will help many Vancouver 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 Vancouver and Clark 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 … (0 comments)

washington: 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)

washington: Low Rate Alert for FHA & FHA Jumbo Home Loans - Purchase Streamline, and Refinance - 06/28/12 01:27 PM
Low Rate Alert for FHA & FHA Jumbo Home Loans - Purchase Streamline, and Refinance -  Rates for FHA & FHA Jumbo Loans for Purchase of a home, Refinance, & FHA Streamline refinances continue at all -time lows this week.   
Continued struggles in the Euro Zone and worries about about the potential for Greece, Spain, Italy and other large Euro Countries to Default on their sovereign debts have driven a move 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 … (0 comments)

washington: VA Interest Rate Alert - Our rates for VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance are now at all time lows. - 06/28/12 01:24 PM
VA Interest Rate Alert - Our rates for VA Streamline IRRRL refinance and VA Jumbo Streamline IRRRL Refinance are now at all time lows.
Our rates for VA IRRRL Streamline Refinances and VA Jumbo IRRRL Streamline Refinance are now at all -time lows.   Continued struggles in the Euro Zone and worries about about the potential for Greece, Spain, Italy and other large Euro Countries to Default on their sovereign debts have driven USA VA Mortgage rates down to all time lows.  VA Jumbo rates for VA loans over $417,000 are at their lowest point ever.   
If your current VA Rate is too high (4.25% … (0 comments)

washington: Rate Alert - USDA Streamline Refinance - the time is now - 06/28/12 01:19 PM
Rate Alert - USDA Streamline Refinance - the time is now
There has never been a better time to take advantage of record Low Rates to  Refinance your USDA Rural Development Loan.   Use the USDA Streamline Refinance to get into a lower rate and payment with our USDA Streamline Refiinance Loan Program.  California Residents with USDA Homes Loans may benefit from lowering the rate and payment on current USDA Guaranteed or USDA Direct Home Loans.   Loan rates have never been lower on USDA, RD, or GRH Loans.  
We hear this question often:  “Can I Refinance my California USDA Rural Development … (0 comments)

washington: 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)

washington: VA Jumbo IRRRL Streamline Refinance Options for Washington Veterans - Rates have never been lower! - 06/19/12 03:22 AM
VA Jumbo IRRRL Streamline Refinance Options for Washington Veterans - Rates have never been lower!
The VA Jumbo IRRRL Streamline Refinance is a great option to reduce the interest rate on your Washington VA Jumbo Loan.   The VA Jumbo Streamline requires reduced documentation,  and offers a streamlined process.   
VA IRRRL (Interest Rate Reducing Refinance Loan) Streamlines and VA Jumbo IRRRL Streamline Refinances 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 Washington VA IRRRL Streamline … (0 comments)

washington: 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)

washington: VA IRRRL Streamline Refinance Options for Washington Veterans - Rate Alert! - 06/18/12 01:12 PM
VA IRRRL Streamline Refinance Options for Washington Veterans - Rate Alert!
The VA IRRRL Streamline Refinance is a great option to reduce the interest rate on your Washington VA Loan.   The VA Streamline requires reduced documentation,  and offers a streamlined process.   Rates have never been lower on VA or VA Jumbo IRRRL Streamlines!
VA IRRRL (Interest Rate Reducing Refinance Loan) Streamlines and VA Jumbo IRRRL Streamline Refinances 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 … (0 comments)

washington: Washington VA Loans after Hardship - Bankruptcy, Foreclosure, Short Sale - 04/23/12 01:49 AM
Washington VA Loans after Hardship - Bankruptcy, Foreclosure, Short Sale
Many Washington 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 unprecedented Financial Hardship for many Veterans in Washington State in the form of Bankruptcy, Foreclosure and Short Sale. 
We have good news for our Vets:   You can get a VA Loan soon as 2 years after one of these events.     
Here is a quick list of the waiting period for each Hardship.
Washington VA Loans After Financial Hardship:
VA Loans after Bankruptcy - as … (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

Email Me

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.


Listings

Links

Archives

RSS 2.0 Feed for this blog