VanDyk Mortgage is your source for VA Loans and FHA Loans in Pleasanton.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender.   We offer many loan programs for Pleasanton Homebuyers and Pleasanton 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

Pleasanton FHA Loans are available up to $729,750 with just 3.5% down payment.  The FHA 2012 Loan Limit for Pleasanton is $729,750.  Pleasanton FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

Pleasanton  VA Loans are available up to $625,500 with zero down-payment. The Pleasanton VA Loan Limit for 2012 is $625,500.  However, Veterans are not limited to the Alameda county Loan limit of $625,500 for VA Loans.   We offer VA Jumbo Loans up to $1.5 Million with the appropriate down-payment or equity to reach the VA Guarantee requirements of 25%.   Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Pleasanton Conforming Loans are available up to $625,500. The Pleasanton Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 10% down-payment or equity.

 Pleasanton Home Loan information

FHA Home loans for Pleasanton, California:

• FHA Home Loans require just 3.5% down-payment
• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)
• The $729,750 is the base loan amount – the Pleasanton FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA’s Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association – call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans for Pleasanton, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $625,500
• A $725k Pleasanton Home Purchase would only require $25,000 downpayment (3.45%) – not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Loans are available to purchase or refinance Condominiums.  Here is more information on VA Condo Loans for Pleasanton .   We also offer VA Jumbo Loans to purchase Condo’s!
• VA Jumbo Loans available for Condo Purchase and Refinance also!
• VA IRRRL Streamlines available for Non-owner and Investment homes
• We do not limit VA Jumbo IRRRL Streamlines to the Alameda County VA Loan Limit

Conforming Home Loans for Pleasanton, California:

• Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
• Pleasanton Conforming loans available up to $417,000
• Just 3% down-payment required up to $417K
• Now available – NO Monthly PMI Loans up to $417K with 5% down-payment
• Conforming Jumbo Loans  over $417K require a minimum of 10% down-payment or up to 90% LTV
• Allow for condominiums, Second Homes, and Investment properties
• Call for details on Fico score requirements, down-payment requirements, etc

HARP 2012 now available with fewer restrictions to help underwater Homeowners refinance at today’s great rates.   Most of the barriers for Homeowners to refinance their Fannie Mae and Freddie Mac Loans have been eased.   If you have been turned down before for refinancing your loan that is owned by Fannie Mae or Freddie Mac,  give us a call,  we may be able to help.  These are often called Obama Loans.   HARP stands for Home Affordable Refinance Program.   Visit our HARP 2012 Info page.

We offer Jumbo Conventional Loans up to $3m – call for details.   VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Livermore VA Loans and FHA Home Mortgage Loan info for 2012 – California VA Lender & FHA Lender

VanDyk Mortgage is your source for VA Loans and FHA Loans in Livermore.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender.   We offer many loan programs for Livermore Homebuyers and Livermore 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

Livermore FHA Loans are available up to $729,750 with just 3.5% down payment.  The FHA 2012 Loan Limit for Livermore is $729,750.  Livermore FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

Livermore  VA Loans are available up to $625,500 with zero down-payment. The Livermore VA Loan Limit for 2012 is $625,500.  However, Veterans are not limited to the Alameda county Loan limit of $625,500 for VA Loans.   We offer VA Jumbo Loans up to $1.5 Million with the appropriate down-payment or equity to reach the VA Guarantee requirements of 25%.   Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Livermore Conforming Loans are available up to $625,500. The Livermore Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 10% down-payment or equity.

 Livermore Home Loan information

FHA Home loans for Livermore, California:

• FHA Home Loans require just 3.5% down-payment
• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)
• The $729,750 is the base loan amount – the Livermore FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA’s Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association – call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans for Livermore, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $625,500
• A $725k Livermore Home Purchase would only require $25,000 downpayment (3.45%) – not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Loans are available to purchase or refinance Condominiums.  Here is more information on VA Condo Loans for Livermore .   We also offer VA Jumbo Loans to purchase Condo’s!
• VA Jumbo Loans available for Condo Purchase and Refinance also!
• VA IRRRL Streamlines available for Non-owner and Investment homes
• We do not limit VA Jumbo IRRRL Streamlines to the Alameda County VA Loan Limit

Conforming Home Loans for Livermore, California:

• Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
• Livermore Conforming loans available up to $417,000
• Just 3% down-payment required up to $417K
• Now available – NO Monthly PMI Loans up to $417K with 5% down-payment
• Conforming Jumbo Loans  over $417K require a minimum of 10% down-payment or up to 90% LTV
• Allow for condominiums, Second Homes, and Investment properties
• Call for details on Fico score requirements, down-payment requirements, etc

HARP 2012 now available with fewer restrictions to help underwater Homeowners refinance at today’s great rates.   Most of the barriers for Homeowners to refinance their Fannie Mae and Freddie Mac Loans have been eased.   If you have been turned down before for refinancing your loan that is owned by Fannie Mae or Freddie Mac,  give us a call,  we may be able to help.  These are often called Obama Loans.   HARP stands for Home Affordable Refinance Program.   Visit our HARP 2012 Info page.

We offer Jumbo Conventional Loans up to $3m – call for details.   VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Dublin VA Loans and FHA Home Mortgage Loan info for 2012 – California VA Lender & FHA Lender

VanDyk Mortgage is your source for VA Loans and FHA Loans in Dublin.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender.   We offer many loan programs for Dublin Homebuyers and Dublin 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

Dublin FHA Loans are available up to $729,750 with just 3.5% down payment.  The FHA 2012 Loan Limit for Dublin is $729,750.  Dublin FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

Dublin  VA Loans are available up to $625,500 with zero down-payment. The Dublin VA Loan Limit for 2012 is $625,500.  However, Veterans are not limited to the Alameda county Loan limit of $625,500 for VA Loans.   We offer VA Jumbo Loans up to $1.5 Million with the appropriate down-payment or equity to reach the VA Guarantee requirements of 25%.   Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Dublin Conforming Loans are available up to $625,500. The Dublin Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 10% down-payment or equity.

 Dublin Home Loan information

FHA Home loans for Dublin, California:

• FHA Home Loans require just 3.5% down-payment
• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)
• The $729,750 is the base loan amount – the Dublin FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA’s Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association – call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans for Dublin, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $625,500
• A $725k Dublin Home Purchase would only require $25,000 downpayment (3.45%) – not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Loans are available to purchase or refinance Condominiums.  Here is more information on VA Condo Loans for Dublin .   We also offer VA Jumbo Loans to purchase Condo’s!
• VA Jumbo Loans available for Condo Purchase and Refinance also!
• VA IRRRL Streamlines available for Non-owner and Investment homes
• We do not limit VA Jumbo IRRRL Streamlines to the Alameda County VA Loan Limit

Conforming Home Loans for Dublin, California:

• Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
• Dublin Conforming loans available up to $417,000
• Just 3% down-payment required up to $417K
• Now available – NO Monthly PMI Loans up to $417K with 5% down-payment
• Conforming Jumbo Loans  over $417K require a minimum of 10% down-payment or up to 90% LTV
• Allow for condominiums, Second Homes, and Investment properties
• Call for details on Fico score requirements, down-payment requirements, etc

HARP 2012 now available with fewer restrictions to help underwater Homeowners refinance at today’s great rates.   Most of the barriers for Homeowners to refinance their Fannie Mae and Freddie Mac Loans have been eased.   If you have been turned down before for refinancing your loan that is owned by Fannie Mae or Freddie Mac,  give us a call,  we may be able to help.  These are often called Obama Loans.   HARP stands for Home Affordable Refinance Program.   Visit our HARP 2012 Info page.

We offer Jumbo Conventional Loans up to $3m – call for details.   VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

VanDyk Mortgage is your source for VA Loans and FHA Loans in Oakland.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender.   We offer many loan programs for Oakland Homebuyers and Oakland 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

Oakland FHA Loans are available up to $729,750 with just 3.5% down payment.  The FHA 2012 Loan Limit for Oakland is $729,750.  Oakland FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

Oakland  VA Loans are available up to $625,500 with zero down-payment. The Oakland VA Loan Limit for 2012 is $625,500.  However, Veterans are not limited to the Alameda county Loan limit of $625,500 for VA Loans.   We offer VA Jumbo Loans up to $1.5 Million with the appropriate down-payment or equity to reach the VA Guarantee requirements of 25%.   Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Oakland Conforming Loans are available up to $625,500. The Oakland Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 10% down-payment or equity.

 Oakland Home Loan information

FHA Home loans for Oakland, California:

• FHA Home Loans require just 3.5% down-payment
• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)
• The $729,750 is the base loan amount – the Oakland FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA’s Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association – call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans for Oakland, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $625,500
• A $725k Oakland Home Purchase would only require $25,000 downpayment (3.45%) – not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Loans are available to purchase or refinance Condominiums.  Here is more information on VA Condo Loans for Oakland .   We also offer VA Jumbo Loans to purchase Condo’s!
• VA Jumbo Loans available for Condo Purchase and Refinance also!
• VA IRRRL Streamlines available for Non-owner and Investment homes
• We do not limit VA Jumbo IRRRL Streamlines to the Alameda County VA Loan Limit

Conforming Home Loans for Oakland, California:

• Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
• Oakland Conforming loans available up to $417,000
• Just 3% down-payment required up to $417K
• Now available – NO Monthly PMI Loans up to $417K with 5% down-payment
• Conforming Jumbo Loans  over $417K require a minimum of 10% down-payment or up to 90% LTV
• Allow for condominiums, Second Homes, and Investment properties
• Call for details on Fico score requirements, down-payment requirements, etc

HARP 2012 now available with fewer restrictions to help underwater Homeowners refinance at today’s great rates.   Most of the barriers for Homeowners to refinance their Fannie Mae and Freddie Mac Loans have been eased.   If you have been turned down before for refinancing your loan that is owned by Fannie Mae or Freddie Mac,  give us a call,  we may be able to help.  These are often called Obama Loans.   HARP stands for Home Affordable Refinance Program.   Visit our HARP 2012 Info page.

We offer Jumbo Conventional Loans up to $3m – call for details.   VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE Underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

VanDyk Mortgage is your source for VA Loans and FHA Loans in Marin County.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender.   We offer many loan programs for  Homebuyers and  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

Marin County FHA Loans are available up to $729,750 with just 3.5% down payment.  The Marin County FHA 2012 Loan Limit for  is $729,750.   FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

Marin County  VA Loans are available up to $625,500 with zero down-payment.  The  VA Loan Limit for 2012 is $625,500 for Marin County.  However, Veterans are not limited to the Marin county Loan limit of $625,500 for VA Loans.   We offer VA Jumbo Loans up to $1.5 Million with the appropriate down-payment or equity to reach the VA Guarantee requirements of 25%.   Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Marin County Conforming Loans are available up to $625,500. The  Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 10% down-payment or equity.

Marin County Home Loan information

FHA Home loans for Marin County , California:

• FHA Home Loans require just 3.5% down-payment
• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)
• The $729,750 is the base loan amount – the  FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA’s Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association – call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans for Marin County , California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $625,500
• A $725k  Home Purchase would only require $25,000 downpayment (3.45%) – not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Loans are available to purchase or refinance Condominiums.  Here is more information on VA Condo Loans for  .   We also offer VA Jumbo Loans to purchase Condo’s!
• VA Jumbo Loans available for Condo Purchase and Refinance also!
• VA IRRRL Streamlines available for Non-owner and Investment homes
• We do not limit VA Jumbo IRRRL Streamlines to the Marin County VA Loan Limit

Conforming Home Loans for Marin County, California:

• Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
•  Conforming loans available up to $417,000
• Just 3% down-payment required up to $417K
• Now available – NO Monthly PMI Loans up to $417K with 5% down-payment
• Conforming Jumbo Loans  over $417K require a minimum of 10% down-payment or up to 90% LTV
• Allow for condominiums, Second Homes, and Investment properties
• Call for details on Fico score requirements, down-payment requirements, etc

HARP 2012 now available with fewer restrictions to help underwater Homeowners refinance at today’s great rates.   Most of the barriers for Homeowners to refinance their Fannie Mae and Freddie Mac Loans have been eased.   If you have been turned down before for refinancing your loan that is owned by Fannie Mae or Freddie Mac,  give us a call,  we may be able to help.  These are often called Obama Loans.   HARP stands for Home Affordable Refinance Program.   Visit our HARP 2012 Info page.

We offer Jumbo Conventional Loans up to $3m – call for details.   VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Get Started today – Let the Government Loan  Pros help you finance your next home.

Alameda VA Loans and FHA Home Mortgage Loan info for 2012 – California VA Lender & FHA Lender

VanDyk Mortgage is your source for VA Loans and FHA Loans in Alameda.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender.   We offer many loan programs for Alameda Homebuyers and Alameda 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

Alameda FHA Loans are available up to $729,750 with just 3.5% down payment.  The FHA 2012 Loan Limit for Alameda is $729,750.  Alameda FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.

Alameda  VA Loans are available up to $625,500 with zero down-payment. The Alameda VA Loan Limit for 2012 is $625,500.  However, Veterans are not limited to the Alameda county Loan limit of $625,500 for VA Loans.   We offer VA Jumbo Loans up to $1.5 Million with the appropriate down-payment or equity to reach the VA Guarantee requirements of 25%.   Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Alameda Conforming Loans are available up to $625,500. The Alameda Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 10% down-payment or equity.

 Alameda Home Loan information

FHA Home loans for Alameda, California:

• FHA Home Loans require just 3.5% down-payment
• FHA Jumbo Loans up to $729,750 (aka FHA High Balance)
• The $729,750 is the base loan amount – the Alameda FHA Loan Limit of $729,750 does not have to include the UFMIP (FHA’s Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association – call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans for Alameda, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $625,500
• A $725k Alameda Home Purchase would only require $25,000 downpayment (3.45%) – not including the VA Funding Fee
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs
• VA Loans are available to purchase or refinance Condominiums.  Here is more information on VA Condo Loans for Alameda .   We also offer VA Jumbo Loans to purchase Condo’s!
• VA Jumbo Loans available for Condo Purchase and Refinance also!
• VA IRRRL Streamlines available for Non-owner and Investment homes
• We do not limit VA Jumbo IRRRL Streamlines to the Alameda County VA Loan Limit

 Conforming Home Loans for Alameda, California:

• Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
• Alameda Conforming loans available up to $417,000
• Just 3% down-payment required up to $417K
• Now available – NO Monthly PMI Loans up to $417K with 5% down-payment
• Conforming Jumbo Loans  over $417K require a minimum of 10% down-payment or up to 90% LTV
• Allow for condominiums, Second Homes, and Investment properties
• Call for details on Fico score requirements, down-payment requirements, etc

HARP 2012 now available with fewer restrictions to help underwater Homeowners refinance at today’s great rates.   Most of the barriers for Homeowners to refinance their Fannie Mae and Freddie Mac Loans have been eased.   If you have been turned down before for refinancing your loan that is owned by Fannie Mae or Freddie Mac,  give us a call,  we may be able to help.  These are often called Obama Loans.   HARP stands for Home Affordable Refinance Program.   Visit our HARP 2012 Info page.

We offer Jumbo Conventional Loans up to $3m – call for details.   VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Vastly improved Options for FHA Streamline Refinances are coming.   The US Whitehouse announced today that HUD has authorized changes to the FHA Streamline Refinance Program that will help many Homeowners with FHA Loans made prior to June 1, 2009 save hundreds per month.

The options for FHA Streamlines have been prohibitive the past couple years 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 Obama Administration at the Whitehouse today.   But the good part is that the annual Mortgage Insurance Premium is being reduced to .55% for FHA Streamlines and FHA Jumbo Streamlines from a previous level of 1.15%.

These changes to FHA Streamline and FHA Jumbo Streamline rules will open the door for Homeowners with FHA Loans to save hundreds per month in most cases.

VanDyk Mortgage is a Full Eagle Direct Endorsement FHA Lender,  the highest level of approval from HUD.   We have been making FHA Loans since 1987, and would be proud to help you as well.

We service all of California and Washington State, including San Diego, Los Angeles, San Jose, Sacramento, Riverside, San Francisco, Oakland, Ventura, Orange County, Seattle, Spokane, Tacoma, Everett, and every other city within these great states.

Call today to get started  866-900-2342  – Toll Free direct.   Or apply online 24/7 – www.vandykfunding.com/loanapplication

We offer California Homebuyers home loans 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 this on Refinances too!)

We offer up to 95% financing throughout California with no monthly MI, PMI, or MIP.

Many California 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 95% Loan to Value.   You can avoid PMI with less than 20% down in Riverside.   You don’t have to 20% down on your new home to avoid PMI or MIP.   This could save you hundreds per month.  Call us today at 866-900-2342 to find out if you could benefit.

For qualified Veterans, we also offer zero downpayment purchase home loans for Veterans.

We also offer USDA RD loans with zero down required in designated areas.  Call for details.

You can also refinance your existing loan with as little as 5% Equity in your Property using our MI Removal Loan.   Whether your current loan is a conventional, non-conforming, or FHA Loan,  we can help you refinance into todays lower rates without having to pay MI, PMI, or MIP anymore.  The MI Removal Loan allows you to finance up to 95% of appraised value with ZERO Mortgage Insurance (MI).

• Loan amounts up to $417K are eligible up to 95%.    
• This is available throughout Riverside
• We have no Declining Market restrictions on this loan program for Riverside

We also offer these for the High Balance or Conforming Jumbo Loan sizes up to 90% of the purchase price of the home.    This would help homebuyers in Los Angeles buy a home with 10% down up to a $729,750 Loan Amount.

Call today:  760-752-4480  – Brian Skaar – VanDyk Mortgage – Direct Lenders = Direct Savings.

We offer this program in all of our loan markets:   California, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana,  San Francisco, San Jose, Carson, Gardena, Hawthorne, Lawndale, Inglewood, Ladera Heights, View Park, Windsor Hills, Baldwin Hills, Fox Hills, Culver City, Beverly Hills, Malibu, Santa Monica, Brentwood, Calabasas, Encino, Bel Air Estates, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Redondo Beach, Hermosa Beach, Torrance, San Marcos, San Diego, Rancho Bernardo, Carlsbad, Escondido, Poway, Oceanside, Vista, Encinitas, Carmel Valley, Scripps, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Long Beach, Artesia, La Palma, Cerritos, Long beach,  Lynwood, Bellflower, Temecula, Murrieta, Southern California,Northern California, Washington, Everett, Lynnwood, Tacoma, Kent, Federal Way, Auburn, Renton, Bellevue, Redmond, Kirkland, Whittier, Santa Fe Springs, Downey, Irvine, Newport Beach, Los Angeles, San Bernardino, Riverside and Orange County.

We offer Riverside and So Cal 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 Riverside and Southern California with no MI, PMI, or MIP.

Many Riverside 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 95% Loan to Value.   You can avoid PMI with less than 20% down in Riverside.   You don’t have to 20% down on your new home to avoid PMI or MIP.   This could save you hundreds per month.  Call us today at 866-900-2342 to find out if you could benefit.

For those qualified, we also offer zero downpayment purchase home loans for Veterans.  We also offer USDA RD loans with zero down required in designated areas.  Call for details.

You can also refinance your existing loan with as little as 5% Equity in your Property using our MI Removal Loan.   Whether your current loan is a conventional, non-conforming, or FHA Loan,  we can help you refinance into todays lower rates without having to pay MI, PMI, or MIP anymore.  The MI Removal Loan allows you to finance up to 95% of appraised value with ZERO Mortgage Insurance (MI).

• Loan amounts up to $417K are eligible up to 95%.    
• This is available throughout Riverside
• We have no Declining Market restrictions on this loan program for Riverside

We also offer these for the High Balance or Conforming Jumbo Loan sizes up to 90% of the purchase price of the home.    This would help homebuyers in Los Angeles buy a home with 10% down up to a $729,750 Loan Amount.

Call today:  760-752-4480  – Brian Skaar – VanDyk Mortgage – Direct Lenders = Direct Savings.

We offer this program in all of our loan markets:   California, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana,  San Francisco, San Jose, Carson, Gardena, Hawthorne, Lawndale, Inglewood, Ladera Heights, View Park, Windsor Hills, Baldwin Hills, Fox Hills, Culver City, Beverly Hills, Malibu, Santa Monica, Brentwood, Calabasas, Encino, Bel Air Estates, Palos Verdes Estates, Rancho Palos Verdes, Rolling Hills, Rolling Hills Estates, Manhattan Beach, Redondo Beach, Hermosa Beach, Torrance, San Marcos, San Diego, Rancho Bernardo, Carlsbad, Escondido, Poway, Oceanside, Vista, Encinitas, Carmel Valley, Scripps, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Long Beach, Artesia, La Palma, Cerritos, Long beach,  Lynwood, Bellflower, Temecula, Murrieta, Southern California,Northern California, Washington, Everett, Lynnwood, Tacoma, Kent, Federal Way, Auburn, Renton, Bellevue, Redmond, Kirkland, Whittier, Santa Fe Springs, Downey, Irvine, Newport Beach, Los Angeles, San Bernardino, Riverside and Orange County.

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 reduced to 1.40% for a first time use (down from 2.15% before Oct 1, 2011), and down to 2.8% for a subsequent use of your VA Benefit, down from 3.3%.

You can consolidate your current Mortgage or first and second Mortgages (including a Home equity Loan, or Home Equity Line of Credit), into a single VA Loan up to 90% of your homes current value with a VA Funding Fee of just 1.40%.

The VA Allows you to do a Cash Out Refinance up to 90% of your homes value.  Use the proceeds to consolidate Debt, Upgrade your home, remodel your kitchen or bathroom, or whatever you can dream up.

Veterans with a 10% or higher VA Related Disability are Exempt from the VA Funding Fee.

Here is another article with more info on the VA Funding Fee Changes.

Call us today at 760-752-4480 to discuss your situation and to see if you can benefit from a VA Refinance.