Call today to get started: 866-900-2342 toll free

>>> Get Started Online-Click Here

FHA -VA-USDA-FHA Jumbo – VA Jumbo Home Loans

GovernmentLoanPros.com Your Source for VA, FHA & USDA Loans.

For many American Families our number one dream is owning your own home.   We are here to help you fulfill your dream of home ownership.  Whether you want to purchase your first home, a larger home, or Refinance your current mortgage,  we are here to help.

We offer FHA, VA, USDA, Conventional, Jumbo, Fannie Mae and Freddie Mac home loans – we have many options to help you get the keys to your very own home.   VanDyk Mortgage is a Direct Lender offering VA Loans, FHA Loans, and USDA Loans direct to you.  VanDyk Mortgage is approved by HUD with Full Eagle status. We have been helping families with Home Loans since 1987.

The first step in the Home Purchase process is to get in touch with one of our Government Home Loan Professionals.   It will give you the confidence of a cash buyer.   We will help you determine what you can comfortably afford.   In a short time, you will be on your way to making your first offer on the home of your dreams.

Our Government Loan Pro’s will work with you direct to qualify your for the mortgage loan that best meets your needs.   We like to offer a more personalized approach with our clients.   Our goal is to create a smooth, stress-free loan process for you.    Our Team members will help you determine the right loan program,  how much you can afford, help you get you Approved, and keep in contact throughout the process.

If you currently own a home and would like to explore a refinance to reduce your interest rate, or get cash out,  you’re at the right place.   There are many loan programs, we will help you find the right one.  You can reduce your interest rate, pay down your loan balance quicker, consolidate debts, or get cash to use toward a dream vacation, home improvement, college tuition — virtually anything you need it for.

Veterans – Own your own home!  We can help.   Call the Government Loan Pros at VanDyk Mortgage.

We serve California, Georgia, Indiana, Massachusetts, Michigan, Virginia, Washington, and Wyoming.

Contact us today for help with any questions you may have or to get started.    866-900-2342  Toll Free Direct

>>> I want to get started on my Loan Approval now >>>

FHA Simple Refinance

The FHA Simple Refinance – what is it, and how can it help me? 

HUD has released new FHA Guidance as of 9-14-2015 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 in cash, by a Lender Credit, or a combination of the two (most common option).

What is the FHA Simple Refinance?

The FHA Simple Refinance allows you to refinance your current FHA Loan into a new FHA Loan.   The Simple FHA Refinance requires credit qualification and Appraisal.   Credit Qualification is the process of analyzing credit, income and assets to ensure the borrower qualifies for the new loan terms.   This loan can include all of your Closing Costs and Prepaid items in the loan amount as long as the Appraised value supports the numbers.  (OK up to 97.75% Loan to Value).

Why would I want a FHA Simple Refinance vs a FHA Streamline without Appraisal?

Every situation is different, and we advise that you contact us to review both options to see which makes the most sense for your goals.   The FHA Simple Refinance would have very low out of pocket costs and may even make a lower rate more workable for situations where there is equity available.   The FHA Streamline Refinance without Appraisal is perfect for situations where the home hasn’t increased in value much, or where adding the closing costs to the principal balance doesn’t fit with a borrowers long term plans (such as plans to move or sell within a few years).

>>> We offer free analysis of your FHA Refinance options.   Contact us online to get started now or call direct at 866-900-2342.

 

Now serving Georgia Home Buyers, Home Owners and Real Estate Agents

Now serving Georgia Home Buyers, Home Owners and Real Estate Agents

We now service the Peach state of Georgia for Home Purchase and Refinance.   We also help Georgia Real Estate Agents grow their business.

VanDyk Mortgage is a Direct Lender (since 1987) offering VA, VA Jumbo, FHA, FHA Jumbo, Conventional, Conventional Jumbo, True Jumbo and USDA financing for the Purchase, Refinance or Streamline Refinance (VA IRRRL) of your home.     VanDyk has FHA Full Eagle Direct Endorsement status with HUD and strong experience with Government backed home loans such as FHA, VA, and USDA RD Loans.   We also have a full selection of Conventional loans such as Conforming Loans with as little as 3% down payment required (up to $417K),  and Jumbo Loans up to $2m.

Stay tuned for more details on how our loan options can help Georgia residents buy or refinance GA Homes.

Can I get a VA Loan that is higher than my County VA Loan Limit?

Can I get a VA Loan that is higher than my County VA Loan Limit?

Yes.  A common misconception with VA Loans is that VA Loans aren’t used in your area, or the  VA Loan amounts are too low for your City.  In the past this was true, but VA Loan changes have improved the picture.  VA loans and VA Jumbo Loans are available much higher than $417K, the standard VA Loan Limit.

VA Loans at loan amounts above $417,000 are called VA Jumbo Loans, VA High Balance Loans, or VA Super Conforming Loans.  While many counties in the country are limited to the $417,000 amount, that isn’t the highest VA loan available for that particular county.   VanDyk Mortgage offers VA loans up to $1,500,000 in all the states we serve.   What changes is the amount of required down payment or home equity.   Each case is unique depending on your VA County Loan Limit and your Home’s purchase price or value for VA refinance.

In counties where the loan limit is lower than your purchase price or refinance loan amount, you may have to have equity (for a VA Jumbo refinance) or put a down payment (for a VA Jumbo Purchase).

So what is the benefit of using a VA loan in this scenario? – Lower down payments than conventional alternatives, fixed rates, no Mortgage Insurance, ability to combine a first and second mortgage, or get cash out up to 90% of your homes value.

Let’s say you live in a county where the VA loan limit is $417,000 (such as Fresno, Riverside or San Bernardino counties in California).   You want to purchase a home that is $450,000 with a little of down payment possible.   Assuming that you have full VA eligibility & fully restored VA Entitlement, VanDyk Mortgage will allow a VA loan in this scenario up to $441,750, requiring just $8,250 down payment, or 1.83%.

The goal of the VA calculation is the reach a guarantee figure of 25% of the loan amount. This can be a combination of the Entitlement and a down payment.

Here is the math to figure this out:
1. Take your county loan limit (in this case $417,000) and multiply times 25% to reach your maximum entitlement and guaranty available ($417,000 x .25 = $104,250)
2. Take your purchase price and multiply times the minimum guaranty required. ($450,000 X .25 = $112,500)
** since this figure is higher than your maximum guaranty and entitlement from #1, we must now figure out how to handle the shortage.
3. Take #2, the Minimum required guaranty ($112,500) and subtract the available guaranty and entitlement for you ($104,250) and it yields us $8,250.

$8,250 represents the required down payment for purchasing a $450,000 property in a county with a VA loan limit of $417,000 for a Veteran or Active Duty Service Member with full Entitlement available. $8,250 is a 1.83% down payment. Now that is a huge benefit for our Veterans. This is far superior to the conventional loan alternatives or even FHA loans.

When your bank tells you that you need to put down 10% or even 20% for a conventional loan, call us direct and go with a VA loan instead. You will be glad you called.

A quick note – our maximum VA Loan Amount is $1.5M.   Many VA Lenders are capped at $417K, $625K, $729K , or $1m for VA loans.   We fund VA Jumbo Loans up to $1.5M.

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Jumbo purchase loans, VA Jumbo Refinance Loans, VA Jumbo Streamline Refinance loans, VA Jumbo IRRRL , VA Mortgages of all types.

We are a Direct Lender specializing in Government Loans. VanDyk Mortgage is a HUD Full Eagle FHA Direct Endorsement Underwriter, ie Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA 203K Streamline Rehab loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA mortgages of all types. We offer FHA & VA loans in California, Indiana, Massachusetts, Virginia, Washington, Wyoming & More.

Massachusetts VA Loan Limits – 2015

Massachusetts VA Loan Limits – 2015

The Department of Veterans Affairs (the VA) have issued the VA loan limits for 2015.   Many counties across the nation decreased this year due to the expiration of the VA Loan Limit formula put into effect in 2008 and renewed in 2012.   The new VA Loan Limits will be effective for the entire year of 2015.   The standard VA Loan Limit, or base VA Loan Limit is $417,000 across the USA. Massachusetts has 8 counties that qualify for Higher VA Loan Limits.  VA Loans that exceed $417K are known as VA Jumbo, VA High Balance, or VA Super Conforming loans.      The VA loan limit corresponds with the maximum VA loan available with zero money down for a respective county.

Here is the complete list of Massachusetts counties and their respective VA Loan Limits:

County Name                    2015 VA Loan Limit

  • Barnstable County:       $417,000
  • Berkshire County:         $417,000
  • Bristol County:               $426,650
  • Dukes County:                $625,500
  • Essex County:                 $517,500
  • Franklin County:            $417,000
  • Hampden County:          $417,000
  • Hampshire County:        $417,000
  • Middlesex County:          $517,500
  • Nantucket County:          $625,500
  • Norfolk County:               $517,500
  • Plymouth County:           $517,500
  • Suffolk County:                $517,500
  • Worcester County:          $417,000

VanDyk Mortgage is a Direct Lender.    We are specialists in VA Jumbo financing – for Purchase or Refinance for your home.

Qualified Veterans can qualify up to the County VA loan limit with no money down required.  

We allow Massachusetts Veterans to Exceed the County VA Loan Limit with a corresponding down payment for VA Jumbo Purchases, or equity in the home for VA Jumbo Refinances.    Our max VA loan amount is $1.5M, and we lend on Single Family Homes,  Condo’s, 2-3-4 unit homes, Townhomes, and Rowhomes.

We offer VA Jumbo Loans to qualified Veterans as soon as 24 months after a BK, Foreclosure, or Shortsale.   Some short sales qualify as soon as 1 day out, or 12 months out.   Please call us and we will review your scenario to see if you can qualify now, or when you will qualify again.

Call today to get started – 866-900-2342,  toll free direct, ask for Brian Skaar.   OR >>> Get Started Online-Click Here

2015 Washington Conforming Loan Limits – FNMA & FHLMC

2015 Washington Conforming Loan Limits – FNMA & FHLMC – WA Fannie Mae & Freddie Mac Loan limits 2015

Fannie Mae & Freddie Mac have announced the 2014 Washington conforming loan limits (aka conventional loan limits).   The standard conventional loan limit remains at $417K 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 $517,500 in King, Snohomish, and Pierce Counties, and up to $483,000 in San Juan County.

Check out the Loan limits for 2015 for your WA County:

County Name – Single Family  – Duplex  –  Tri-plex  – Four-plex   (condo’s same as Single Family)


ADAMS $417,000 $533,850 $645,300 $801,950

NON-METRO


ASOTIN $417,000 $533,850 $645,300 $801,950

LEWISTON, ID-WA (MSA)


BENTON  $417,000 $533,850 $645,300 $801,950

KENNEWICK-RICHLAND-PASCO, WA (MSA)


CHELAN $417,000 $533,850 $645,300 $801,950

WENATCHEE, WA (MSA)


CLALLAM $417,000 $533,850 $645,300 $801,950

PORT ANGELES, WA (MICRO)


CLARK $417,000 $533,850 $645,300 $801,950
PORTLAND-VANCOUVER-BEAVERTON, OR-WA (MSA)


COLUMBIA $417,000 $533,850 $645,300 $801,950

NON-METRO


COWLITZ $417,000 $533,850 $645,300 $801,950

LONGVIEW, WA (MSA)


DOUGLAS $417,000 $533,850 $645,300 $801,950
WENATCHEE, WA (MSA)


FERRY $417,000 $533,850 $645,300 $801,950
NON-METRO


FRANKLIN $417,000 $533,850 $645,300 $801,950
KENNEWICK-RICHLAND-PASCO, WA (MSA)


GARFIELD $417,000 $533,850 $645,300 $801,950
NON-METRO


GRANT $417,000 $533,850 $645,300 $801,950
MOSES LAKE, WA (MICRO)


GRAYS HARBOR $417,000 $533,850 $645,300 $801,950
ABERDEEN, WA (MICRO)


ISLAND $417,000 $533,850 $645,300 $801,950
OAK HARBOR, WA (MICRO)


JEFFERSON $417,000 $533,850 $645,300 $801,950
NON-METRO


KING $517,500 $662,500 $800,800 $995,200
SEATTLE-BELLEVUE-EVERETT, WA METROPOLITAN DIVISION


KITSAP $417,000 $533,850 $645,300 $801,950
BREMERTON-SILVERDALE, WA (MSA)


KITTITAS $417,000 $533,850 $645,300 $801,950
ELLENSBURG, WA (MICRO)


KLICKITAT $417,000 $533,850 $645,300 $801,950
NON-METRO


LEWIS $417,000 $533,850 $645,300 $801,950

CENTRALIA, WA (MICRO)


LINCOLN $417,000 $533,850 $645,300 $801,950
NON-METRO


MASON $417,000 $533,850 $645,300 $801,950

SHELTON, WA (MICRO)


OKANOGAN $417,000 $533,850 $645,300 $801,950
NON-METRO


PACIFIC $417,000 $533,850 $645,300 $801,950
NON-METRO


PEND OREILLE $417,000 $533,850 $645,300 $801,950
NON-METRO


PIERCE $517,500 $662,500 $800,800 $995,200
TACOMA, WA METROPOLITAN DIVISION


SAN JUAN $483,000 $618,300 $747,400 $928,850
NON-METRO


SKAGIT $417,000 $533,850 $645,300 $801,950
MOUNT VERNON-ANACORTES, WA (MSA)


SKAMANIA $417,000 $533,850 $645,300 $801,950
PORTLAND-VANCOUVER-BEAVERTON, OR-WA (MSA)


SNOHOMISH $517,500 $662,500 $800,800 $995,200
SEATTLE-BELLEVUE-EVERETT, WA METROPOLITAN DIVISION


SPOKANE $417,000 $533,850 $645,300 $801,950
SPOKANE, WA (MSA)


STEVENS $417,000 $533,850 $645,300 $801,950


THURSTON $417,000 $533,850 $645,300 $801,950

OLYMPIA, WA (MSA)


WAHKIAKUM $417,000 $533,850 $645,300 $801,950
NON-METRO


WALLA WALLA $417,000 $533,850 $645,300 $801,950
WALLA WALLA, WA (MICRO)


WHATCOM $417,000 $533,850 $645,300 $801,950
BELLINGHAM, WA (MSA)


WHITMAN $417,000 $533,850 $645,300 $801,950
PULLMAN, WA (MICRO)


YAKIMA $417,000 $533,850 $645,300 $801,950
YAKIMA, WA (MSA)

 

In addition to offering a full selection of Conventional Conforming loans as a Direct lender,  VanDyk is proud to be a FHA Full Eagle Direct Endorsement Lender.   What is that?  We are a FHA Direct lender with the full support of HUD, the US Department of Housing & Urban Development.   We offer FHA loans in all areas of Washington State for Purchase, Refinance, cash-out refinance or FHA Streamline.  We also specialize in FHA Jumbo Loans, as available up to your County limit for FHA Loans.  VanDyk Mortgage also offers VA Loans up to $417K (standard VA) and VA Jumbo Loans up the the VA County Limit.

We serve the entire state of Washington including:

We serve all of the following areas in Washington:  Seattle, Greenwood, Bellevue, Kirkland, Redmond, Issaquah, Renton, Snoqualmie, North Bend, Carnation, Woodinville, Bothell, Kenmore, Shoreline, Shorewood, Edmonds, Northgate, University District, Queen Anne, Fremont, Magnolia, West Seattle, Bainbridge, Bremerton, Port Orchard, Port Angeles, Winslow, Keystone, Poulsbo, Sequim, Midway, Redondo, Des Moines, Kent, Auburn, Mercer Island, Snohomish, Everett, Lynnwood, Silver Lake, Marysville, Puyallup, Mill Creek, Duvall, Sammamish, Mountlake Terrace, Mukilteo, Monroe, Sultan, Goldbar, Lake Stevens, Arlington, Smoky Point, Burlington, Bellingham, Blaine, Ferndale, Oak Harbor, Stanwood, Anacortes, Mt. Vernon, Deming, Sedro Wooley, Yakima, Selah, Union Gap, Naches, Ellensburg, Kittitas, Richland, Benton City, Prosser, Mabton, Sunnyside, Granger, Buena, Zillah, Toppenish, Wapato, Kennewick, Pasco, Ritzville, Moses Lake, Wenatchee, Glacier, cashmere, port townsend, Gig Harbor, Tukwila, Covington, Maple Valley, Black Diamond, Enumclaw, Buckley, Bonney Lake, Lakewood, University Place, Tacoma, Dupont, Spanaway, Graham, Yelm, Olympia, Tumwater, Vancouver, Lacey, Centralia, Chehalis, Longview, Kelso, Battleground, Brush Prairie, Washougal, Camas, Spokane, Spokane Valley, Liberty Lake, Newman Lake, Colbert, Deer Park, Newport, Airway Heights, Medical Lake, Cheney, Reardan, Davenport, Mead, Greenacres, Veradale, Nine Mile, 7 Mile, five Mile, Juanita, Wedgewood, rainier, Ballard, Phinney Ridge, Green Lake, Seattle, Bellevue, Kirkland, Redmond, Issaquah, Sammamish, Woodinville, Auburn, Kent, Federal Way, Black Diamond, Des Moines, Snohomish, Carnation, North Bend, Mill Creek, Bothell, Kenmore, Shoreline, Ballinger,San Juan, Edmonds, Maple valley, Sahallee, Snoqualmie, Monroe, Everett, Mukilteo, SilverLake, Edmonds, Marysville, Mount vernon, bellingham, Sehome, Lynden, Blaine, Burlington, Sedro Wooley, Everson, Whidbey Island, Camano Island, Port Orchard, Bremerton, Kitsap, Silverdale, Renton, Newcastle, Newport, Tukwila, SeaTac, Tacoma, Puyallup, Roy, Bonney Lake, Sumner, Olympia, Tumwater, Spokane, Spokane Valley, newport, Yakima, Ellensburg, Kennewick, Richland, Pasco, Sunnyside, Prosser, vancouver, Kelso, Clarkston, Pullmanand more.

Plus all of California

2015 CA Loan Limits – Fannie Mae & Freddie Mac Conforming Loans

2015 CA Loan Limits – Fannie Mae & Freddie Mac  Conforming Loans

Fannie Mae & Freddie Mac’s supervising office, the FHFA, has announced Conforming loan limits for 2015.  The standard conventional loan limit will remain at $417,000 throughout most of the country.   This is also called the Conforming Loan Limit ($417K).  High Cost Areas have loan limits based on the Permanent High Cost Loan Limit established in the HERA bill.    The FHFA has retained most of the same limits as 2014 for 2015, with minimal changes in some high cost counties including San Diego, Napa, Monterey and  Ventura counties in California.   Congress had asked the FHFA to avoid reducing conforming loan limits for 2015 to reduce the impact of limited financing options on the housing market.  It is widely agreed that any reduction in Conventional Loan limits may result in reduced home values in some markets. These loans are also called Conforming Jumbo, Conforming High Balance, or Super Conforming loans.

We offer Conventional loans with as little as 3% down up to $417K loan amounts, and for Loan amounts over $417K up to the County Loan Limit, we require 10% down payment.  

>>> I want to get started on my Loan Approval now >>>

We also offer a piggyback second mortgage if you would like to exceed these limits, this option requires 10% down payment.

–> Find 2015 FHA Loan Limits for California here  

VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

2015 California Conforming Loan Limits by county

County Name

One-Family Two-Family Three-Family Four-Family

ALAMEDA

$625,500

$800,775

$967,950

$1,202,925

ALPINE

$463,450

$593,300

$717,150

$891,250

AMADOR

$332,350

$425,450

$514,300

$639,150

BUTTE

$293,250

$375,400

$453,750

$563,950

CALAVERAS

$373,750

$478,450

$578,350

$718,750

COLUSA

$271,050

$347,000

$419,425

$521,250

CONTRA COSTA

$625,500

$800,775

$967,950

$1,202,925

DEL NORTE

$271,050

$347,000

$419,425

$521,250

EL DORADO

$474,950

$608,000

$734,950

$913,350

FRESNO

$281,750

$360,700

$436,000

$541,800

GLENN

$271,050

$347,000

$419,425

$521,250

HUMBOLDT

$327,750

$419,550

$507,150

$630,300

IMPERIAL

$271,050

$347,000

$419,425

$521,250

INYO

$369,150

$472,550

$571,250

$709,900

KERN

$271,050

$347,000

$419,425

$521,250

KINGS

$271,050

$347,000

$419,425

$521,250

LAKE

$271,050

$347,000

$419,425

$521,250

LASSEN

$271,050

$347,000

$419,425

$521,250

LOS ANGELES

$625,500

$800,775

$967,950

$1,202,925

MADERA

$271,050

$347,000

$419,425

$521,250

MARIN

$625,500

$800,775

$967,950

$1,202,925

MARIPOSA

$322,000

$412,200

$498,250

$619,250

MENDOCINO

$373,750

$478,450

$578,350

$718,750

MERCED

$271,050

$347,000

$419,425

$521,250

MODOC

$271,050

$347,000

$419,425

$521,250

MONO

$529,000

$677,200

$818,600

$1,017,300

MONTEREY

$502,550

$643,350

$777,650

$966,450

NAPA

$615,250

$787,650

$952,050

$1,183,200

NEVADA

$477,250

$610,950

$738,500

$917,800

ORANGE

$625,500

$800,775

$967,950

$1,202,925

PLACER

$474,950

$608,000

$734,950

$913,350

PLUMAS

$336,950

$431,350

$521,400

$648,000

RIVERSIDE

$355,350

$454,900

$549,850

$683,350

SACRAMENTO

$474,950

$608,000

$734,950

$913,350

SAN BENITO

$625,500

$800,775

$967,950

$1,202,925

SAN BERNARDINO

$355,350

$454,900

$549,850

$683,350

SAN DIEGO

$562,350

$719,900

$870,200

$1,081,450

SAN FRANCISCO

$625,500

$800,775

$967,950

$1,202,925

SAN JOAQUIN

$304,750

$390,100

$471,550

$586,050

SAN LUIS OBISPO

$561,200

$718,450

$868,400

$1,079,250

SAN MATEO

$625,500

$800,775

$967,950

$1,202,925

SANTA BARBARA

$625,500

$800,775

$967,950

$1,202,925

SANTA CLARA

$625,500

$800,775

$967,950

$1,202,925

SANTA CRUZ

$625,500

$800,775

$967,950

$1,202,925

SHASTA

$273,700

$350,350

$423,500

$526,350

SIERRA

$304,750

$390,100

$471,550

$586,050

SISKIYOU

$271,050

$347,000

$419,425

$521,250

SOLANO

$400,200

$512,300

$619,300

$769,600

SONOMA

$520,950

$666,900

$806,150

$1,001,850

STANISLAUS

$276,000

$353,300

$427,100

$530,750

SUTTER

$271,050

$347,000

$419,425

$521,250

TEHAMA

$271,050

$347,000

$419,425

$521,250

TRINITY

$271,050

$347,000

$419,425

$521,250

TULARE

$271,050

$347,000

$419,425

$521,250

TUOLUMNE

$331,200

$424,000

$512,500

$636,900

VENTURA

$603,750

$772,900

$934,250

$1,161,050

YOLO

$474,950

$608,000

$734,950

$913,350

YUBA

$271,050

$347,000

$419,425

$521,250

 

We serve the following areas for FHA and Conventional loans: California, San Diego, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana, Seattle, Washington, Bellevue, Kirkland, Redmond, Lynnwood, Olympia, Tacoma, Puyallup, Buckley, Auburn, Kent, Federal Way, Seatac, 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, Compton, 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.

 

Massachusetts VA Jumbo Loans after Hardship – Bankruptcy, Foreclosure, Short Sale

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 after Bankruptcy – as soon as 2 yrs after Bankruptcy Discharge
  • VA Jumbo Loan after Foreclosure – as soon as 2 yrs after Foreclosure Sale Date
  • VA Jumbo Loan after Short Sale – as soon as 2 yrs after Short Sale date

** Short Sales that had no late Mortgage Payments prior to date of sale may be eligible sooner than 2 yrs (sometimes immediately after sale)

It is imperative for VA Jumbo loan qualification that you have no late payments of any type after the date of the Hardship.  Please call us to review if you have specific questions about your scenario.

If you have experienced one of these financial hardships and are a Veteran,  please call us to find out how soon you may qualify to purchase a new home, upgrade your existing home, or refinance your current loan to take advantage of low interest rates utilizing your VA Benefit and the current Higher VA Loan Limits – 866-900-2342 toll free direct.

Massachusetts VA Loans that exceed $417K are also known as VA High Balance, VA Super Conforming, and VA Super Jumbo loans.

 

>>> I want to get started on my VA Home Loan Approval now >>>

Massachusetts VA Loans after Hardship – Bankruptcy, Foreclosure, Short Sale

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 for VA Loans in Masschusetts below.

Massachusetts VA Loans after Financial Hardship:

  • VA Loan after Bankruptcy – as soon as 2 yrs after Bankruptcy Discharge
  • VA Loan after Foreclosure – as soon as 2 yrs after Foreclosure Sale Date
  • VA Loan after Short Sale – as soon as 2 yrs after Short Sale date

**Short Sales that had no late Mortgage Payments prior to date of sale may be eligible sooner than 2 yrs (sometimes immediately after sale)

It is imperative for VA loan qualification that you have no late payments of any type after the date of the Hardship.  Please call us to review if you have specific questions about your scenario.

If you have experienced one of these financial hardships and are a Veteran,  please call us to find out how soon you may qualify to purchase a new home, upgrade your existing home, or refinance your current loan to take advantage of low interest rates utilizing your VA Benefit and the current Higher VA Loan Limits – 866-900-2342 toll free direct.

>>> I want to get started on my VA Loan Approval now >>>

Now serving Massachusetts Home Buyers, Home Owners and Real Estate Agents

Now serving Massachusetts Home Buyers, Home Owners and Real Estate Agents

We are proud to announce that we now service the great state of Massachusetts for Home Purchase, Refinance and also to help Real Estate Agents grow their business.

VanDyk Mortgage is a Direct Lender (since 1987) offering VA, VA Jumbo, FHA, FHA Jumbo, Conventional, Conventional Jumbo, True Jumbo and USDA financing for the Purchase, Refinance or Streamline Refinance (VA IRRRL) of your home. VanDyk has FHA Full Eagle Direct Endorsement status with HUD and strong experience with Government backed home loans such as FHA, VA, and USDA RD Loans. We also have a full selection of Conventional loans such as Conforming Loans with as little as 3% down payment required (up to $417K), and Jumbo Loans, and even piggyback 2nds to 90% ltv for select scenarios.

>> Stay tuned for more details on how our loan options can help Massachusetts residents buy or refinance MA Homes.