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Enhanced Options for Fannie Mae and Freddie Mac Refinances - HARP 2012 is here

Enhanced Options for Fannie Mae and Freddie Mac Refinances - HARP 2012 is here

Fannie Mae & Freddie Mac have extended and enhanced teh HARP Refinance program into 2012 for California homeowners - HARP -Home Affordable Refinance Program for Conventional Conforming loans.

The Regulator for Government run Fannie Mae and Freddie Mac has authorized an extension on the HARP Refinance initiative throughout 2012 for California Homeowners.  This is also called the Home Affordable Refinance Program.   This program allows California homeowners with loans currently owned by Fannie Mae or Freddie Mac to refinance with expanded qualifications such as reduced appraisal requirements, No Maximum Loan to Value Limit, reduced income documention, etc.

The Fannie Mae program is called Harp, Refi Plus or DU Refi Plus.  This program allows several benefits to refinance:

> allows you to refinance your mortgage up to and over 125% of your current value - there is no longer a ceiling or maximum Loan to Value

> reduced add-on costs that Fannie and Freddie formerly added to these loans

> allows for reduced income and asset documentation (definitely not stated income however)

> allows for appraisal waivers in some cases, saving you the time and expense of an appraisal

> allows you to take advantage of the low interest rates while they last!

> Second Homes and Investment Properties qualify as well

> your current loan must have been delivered to Fannie Mae before June 1, 2009

> Fannie Mae Loans over $417K also eligible!

The Freddie Mac program is called the Freddie Mac Relief program - Open Access.  This program allows several benefits to refinance:

> allows you to refinance your mortgage up to and over 125% of your current value - there is no longer a ceiling or maximum Loan to Value

> reduces the add-on costs that Fannie and Freddie formerly added to these loans

> allows for reduced income and asset documentation (definitely not stated income however)

> allows you to take advantage of the low interest rates available now!

> You are not restricted to using your current lender on your loan to complete your Freddie Mac Relief Refinance - We can help regardless of your current loan servicer or Lender.

> your current loan must have been delivered to Freddie Mac before June 1, 2009

> Second Homes and Investment Properties qualify as well

> Freddie Mac Loans over $417K also eligible!

VanDyk Mortgage is your Direct Lender.  To get started, contact us at 760-752-4480 (Brian Skaar Direct), or apply online at www.vandykfunding.com.

We proudly serve the following Cities in California: AnaheimBakersfieldCarlsbad, Chula Vista,Corona, CoronadoEncinitasEscondido, Fremont, Fresno, Huntington Beach, IrvineLake Elsinore,Long Beach, Los AngelesMenifee, Monterey, Moreno Valley, Murrieta, National City, Oakland, Oceanside, Pasadena, Poway, Rancho Bernardo, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Jose, San Marcos, San Mateo, Santa Ana, Santa Barbara, Santa Clara, Santa Monica, Santa Rosa, Temecula, Ventura, Vista, Wildomar

Fast Forward Approval - the Smartest Way to get Pre-Approved

 

 

 

Government Loan Pros- VA FHA USDA FHA Jumbo VA Jumbo 203K

 

We proudly offer a full array of Government Conventional, and Jumbo loan Options including FHAVAUSDAFHA JumboVA Jumbo, VA Refinance, Conventional, JumboVA Condo loans,   FHA 2-4 Unit LoansVA 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 2016.  Learn More - Up to $625,500 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!

 

--> Answers to Common VA Loan Questions - VA FAQ Series

We serve the entire state of California  including: Anaheim,  Antioch,  Bakersfield, Brentwood, Burbank,  Carlsbad,   Chula VistaCorona,  Coronado, Downtown San Diego, EncinitasEscondido, Fallbrook,  Fremont,  FresnoHermosa Beach, Huntington BeachIrvineLong BeachLos Angeles, Marina Del Rey,   Menifee, Monterey, MurrietaOakland, Oakley,  Oceanside,  Ontario,  Pasadena ,  Poway,   Rancho Cucamonga,  Redlands,   Riverside,   Sacramento,        San BernardinoSan DiegoSan FranciscoSan JoseSan MarcosSan MateoSanta Ana,  Santa Clarita,   Santa MonicaTemecula, 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. 

 

We also serve Colorado, GeorgiaMassachusetts, Michigan, Mississippi,  Indiana, Tennessee, Texas, and Wyoming Homebuyers and Homeowners.  

 

VA Loan Limits 2016     FHA Loan Limits 2016     Conforming Loan Limits 2016

All information is subject to change without notice.

Licensing   Fair Lending    Privacy Policy    Complaints    

State of NY Disclosure    TX Disclosure    General Disclosure

 

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 

 

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. 

 

Fast Forward Approval - the Smartest Way to get Pre-Approved

 

 

 

 

 

 

 


 

 

Comment balloon 0 commentsBrian Skaar • January 16 2012 12:57PM
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