Sacramento VA Loans, FHA Loans and Conventional Loans- VanDyk Mortgage - Direct Lender - VA Lender - FHA Lender.
VanDyk Mortgage is your source for VA Loans and FHA Loans in Sacramento. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Sacramento Homebuyers and Sacramento 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
Sacramento FHA Loans are available up to $580,000 with just 3.5% down payment. The FHA 2011 Loan Limit for Sacramento is $580,000. Sacramento FHA Loans that are over $417K up to $580,000 are called FHA Jumbo or FHA High Balance loans.
Sacramento VA Loans are available up to $417,000 with NO downpayment required. The Sacramento VA Loan Limit in 2011 is $417,000. However, Veterans are not limited to the Sacramento Loan limit of $417,000 for VA Jumbo Loans. We offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment 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.
Sacramento Conforming Loans are available up to $580,000. The Sacramento Conforming Jumbo Loans(aka Conforming High Balance,those over $417,000 and up to $580,000)require a minimum of 10% downpayment or equity.
Sacramento Home Loan information
FHA Home loans in Sacramento, California:
- FHA Home Loans require just 3.5% downpayment
- FHA Jumbo Loans up to $580,000 (aka FHA High Balance)
- The $580,000 is the base loan amount - the Sacramento FHA Loan Limit of $580,000 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 a FHA Home Loan 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.
- We offer FHA 203K rehabilitation Loans to rehab your new property, or current home.
VA Home Loans in Sacramento, California:
- Active Duty Military and Veterans can both qualify
- 100% financing up to $417,000
- A $500K Sacramento Home Purchase would only require $20,750 downpayment (4.15%) - not including the VA Funding Fee
- A $675K Sacramento Home purchase woud require just $64,500 down (9.56%)
- 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
Conforming Home Loans in Sacramento, California:
- Sacramento Conforming loans available up to $417,000
- Conforming loan available with 3% down payment on loan amounts up to $417,000
- Available up to $580,000 with the Conforming High Balance (aka conforming Jumbo)
- Require a minimum of 3% downpayment or up to 97% LTV
- Allow for condominiums, Second Homes, and investment properties
- Financing available for 2, 3 or 4-unit properties
- Call for details on Fico score requirements, downpayment requirements, etc
Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for you. Visit us on the web atwww.vandykfunding.com
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.
Go with the Government Loan Pros, go with VanDyk. Visit us atwww.vandykfunding.comor call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offerFHA,FHA Jumbo, FHA Manual Underwrite,FHA Rehab203K,VA,VA Jumbo, Conforming &Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans:California,Southern California,San Diego, Los Angeles, San Jose, Bay Area, Riverside, Sacramento, Bakersfield, Oakland, Corona, Oceanside, Escondido, Anaheim, Santa Ana, Pasadena, Santa Monica, Long Beach, Ventura, Santa Barbara, Monterey, San Francisco, Ontario, San Bernardino, Irvine, Fresno, Stockton, Elk Grove, Citrus Heights, Galt, Folsom, Encinitas, San Marcos, Vista, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition toFHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).
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 Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us atwww.vandykfunding.comto get started or just find out more
We proudly offer a full array of Government, Conventional, and Jumbo loan Options including FHA, VA, USDA, FHA Jumbo, VA Jumbo, VA Refinance, Conventional, Jumbo, VA Condo loans, FHA 2-4 Unit Loans, VA 2-4 Unit Loans, FHA 203K Rehab Loans, 5% down Conventional loans, Conventional Condo's OK to 95%, 95% conventional purchase with ZERO Monthly PMI, and more.
Veterans: We are able to help Veterans with a new home purchase with a VA Loan or VA Jumbo Loan as soon as 2 years after Bankruptcy, Foreclosure, or Short Sale (even sooner if Short Sale involved no late payments). Call Today - get back into homeownership!
--> VA Loan Limits for 2018. Learn More - Up to $679,650 with zero money down VA Jumbo Loan
--> VA Loans over the County VA Loan Limit - yes, we allow this: Read more detail on how to get a VA Loan Over your County VA Loan Limit here VA Loans up to $1.5M!
We serve the entire state of California including: Anaheim, Antioch, Bakersfield, Brentwood, Burbank, Carlsbad, Chula Vista, Corona, Coronado, Downtown San Diego, Encinitas, Escondido, Fallbrook, Fremont, Fresno, Hermosa Beach, Huntington Beach, Irvine, Long Beach, Los Angeles, Marina Del Rey, Menifee, Monterey, Murrieta, Oakland, Oakley, Oceanside, Ontario, Pasadena , Poway, Rancho Cucamonga, Redlands, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Jose, San Marcos, San Mateo, Santa Ana, Santa Clarita, Santa Monica, Temecula, Torrance, Ventura, Vista, and all other CA Cities and areas.
We now serve the entire state of Virginia including Virginia Beach, Norfolk, Chesapeake, Richmond, Newport News, Alexandria, Hampton, Roanoke, Portsmouth, Suffolk, and all other Virginia Cities, Towns and Counties.
We also serve the entire state of Washington including: Auburn, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Des Moines, Edmonds, Everett, Federal Way, Ferndale, Issaquah, Kent, Kirkland, Lacey, Lake Stevens, Lynnwood, Mercer Island, Mill Creek, Monroe, Montlake Terrace, Mt Vernon, Mukilteo, Olympia, Puyallup, Redmond, Renton, Seatac, Seattle, Silver Lake, Snohomish, Spokane, Sumner, Tacoma, Tumwater, Vancouver, Wenatchee, Woodinville, Yakima and all other WA cities and towns.
All information is subject to change without notice.
Residentional Mortgage Lender registered by the VA Department of Business Oversight
Georgia Residential Mortgage Licensee #39449
VanDyk Mortgage is a private company specializing in FHA & VA financing, VanDyk Mortgage Corp is not a government agency. Corp 2449 Camelot Ct SE, Grand Rapids, MI 49546
copyright 2018 VanDyk Mortgage Corp
Branch address 310 Via Vera Cruz, ste 210 & 211, San Marcos, CA 92078 760-752-4480 direct
NMLS ID: 3035 - VanDyk Mortgage Corp NMLS ID 220268
Brian Skaar - Loan Originator / Branch Manager
NY Disclosure: Website authorization has not been approved by teh New York State Department of Financial Services. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site.