About glpros

glpros has been a member since March 18th 2012, and has created 61 posts from scratch.

glpros's Jabber Messenger is glpros

glpros's Bio

glpros's Websites

This Author's Website is

glpros's Recent Articles

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

>>> Get Started Online-Click Here

GovernmentLoanPros.com Your Source for California VA & FHA Loans

GovernmentLoanPros.com Your Source for California VA & FHA Loans.

For many California Families,  our number one dream is owning your own home.   We are here to help you achieve that dream.

Whether you want to purchase your first home, a larger home, or refinance your current mortgage,  we are here to help.

We are your Source for California Government Loans:

  • FHA
  • VA
  • FHA Jumbo
  • VA  Jumbo
  • USDA Rural Development
  • FHA & VA 2-4 Unit Loans
  • First Time Homebuyer Loans

We offer FHA, VA, USDA, Conventional, Jumbo, Fannie Mae and Freddie Mac home loans – we offer many options to help you get the keys to your very own home.   VanDyk Mortgage is a Direct Lender offering FHA Loans and VA Loans Direct to you.  VanDyk Mortgage is approved by HUD with Full Eagle Direct Endorsement status, the highest level of HUD Approval for a Lender.

We have been helping families with Home Loans since 1987.

The first step in the Home Purchase process is to get Approved.   Contact one of our Government Home Loan Professionals to get started. This process 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 you for the mortgage loan that best meets your needs.   We prefer 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 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 that may be able to help. We will help you find the right one, whether it’s VA, FHA, Jumbo, or Conventional.  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.

Contact us today for help with any questions you may have or to get started.


The 2015 Ventura County conforming loan limit

The 2015 Ventura County conforming loan limit (aka high balance loan limit) will be $603,750.   This is an increase from the 2014 Ventura limit of $598,000.   The High Balance Conforming Loan Limit applies to all Fannie Mae (FNMA) and Freddie Mac Home Loans that exceed $417,000 up to the full $603,750 Ventura County Loan Limit for 2015.

These are available with as little as 10% down payment.   For a $650,000 home purchase in Ventura, the 10% down payment would be $65,000,  with would result in a new Loan of $595,000.    There are other options to use this Conforming Loan to exceed this amount.   We also offer piggyback seconds that would allow you to pair a $603,750 first mortgage with a new second lien,  with just 10% down required.   An example would be for a $800K Ventura home purchase with 10% down ($80k down), the new first mortgage would be at $603,750, and the new second mortgage would make up the remainder up to 90% LTV with a $116,250 balance.

Call the Loan Pro’s at Vandyk Mortgage – 866-900-2342 toll free direct.  Or simply apply via the link at the upper right.

We are a Privately held Direct Lender offering a full suite of Purchase Loan options.

California FHA Loan Limits for 2015

California FHA Loan Limits for 2015

FHA has re-instanted the HERA FHA Loan Limits called “Permanent High Cost Loan Limits” for the 2014 calendar year.   These were originally authorized in the HERA law passed in the summer of 2009.   The floor FHA Loan Limit for base counties has returned to $271,050, and goes up to FHA loan amounts as high as $625,500 in high cost counties (the ceiling).   All single family FHA Loans that exceed $417K are called FHA Jumbo or FHA High Balance Loans.

VanDyk offers FHA Loans up to the full FHA county loan limit for every area that we serve.  FHA Loans for single family homes are available up to $625,500 in higher cost counties such as Los Angeles, San Francisco, Alameda, Contra Costra, Orange County, Santa Clara, Santa Cruz, San Benito, Marin, and Santa Barbara.  San Diego Homebuyers and Homeowners can get FHA Loans up to $546,250, Riverside and San Bernardino up to $355,350, Sacramento, El Dorado, and Placer counties up to $474,950.

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).

–>  Find 2015 California Conventional Loan Limits here

Here is a list of the FHA loan limits for Single Family (includes condos), Duplex ( 2 Unit), Tri-plex (3 Unit) and Four-Plex (4 Unit)  for all California counties:

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

 

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 Proud VA Direct Lender.   Go with the Government Loan Pros, go with VanDyk.    Call Brian Skaar direct at 760-752-4480 to get started with your FHA purchase loan or FHA Refinance.

VA County Loan Limits for California – 2013

VanDyk Mortgage is a proud VA Lender serving many states including California, Virginia, Washington, and more.

We have compiled the California VA Loan limits for 2013 by county below.

State County 2013 VA Loan Limit

CA ALAMEDA $987,500

CA ALPINE $417,000

CA AMADOR $417,000

CA BUTTE $417,000

CA CALAVERAS $417,000

CA COLUSA $417,000

CA CONTRA COSTA $987,500 …….  click here to see rest of article – VA Loan Limits – CA – 2013

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

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

Many 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 can get 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.

California 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
  • VA Loans after 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.

>>> Get Started Here online <<<

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.

VA Loans that exceed $417,000 are also called VA High Balance, VA Super Conforming, and VA Super Jumbo Loans.   VanDyk Mortgage offers all of the above.