Huntington Beach 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 Huntington Beach. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Huntington Beach Homebuyers and Huntington Beach 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
Huntington Beach FHA Loans are available up to $729,750 with just 3.5% down payment. The FHA 2012 Loan Limit for Huntington Beach is $729,750. Huntington Beach FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans.
Huntington Beach VA Loans are available up to $621,000 with zero downpayment. The Huntington Beach VA Loan Limit for 2012 is $621K. However, Veterans are not limited to the Orange county Loan limit of $621,000 for VA Loans. We also 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.
Huntington Beach Conforming Loans are available up to $625,500. The Huntington Beach Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 10% downpayment or equity. Huntington Beach Home Loan information FHA Home loans in Huntington Beach, California:
- FHA Home Loans require just 3.5% downpayment
- FHA Jumbo Loans up to $729,750 (aka FHA High Balance)
- The $729,750 is the base loan amount - the Huntington Beach 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 in Huntington Beach, California:
- Active Duty Military and Veterans can both qualify
- 100% financing up to $621,000
- A $721k Huntington Beach Home Purchase would only require $25,000 downpayment (3.47%) - 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 Huntington Beach
Conforming Home Loans in Huntington Beach, California:
- Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
- Huntington Beach Conforming loans available up to $417,000
- Just 3% downpayment required up to $417K
- Now available – NO PMI Loans up to $417K with 5% downpayment
- Conforming Jumbo Loans over $417K require a minimum of 10% downpayment or up to 90% LTV
- Allow for condominiums, Second Homes, and investment properties
- Call for details on Fico score requirements, downpayment requirements, etc
HARP now available with fewer restrictions to help underwater Homeowners refinance at today’s great rates.
We offer Jumbo Conventional Loans up to $3m - call for details. Please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web. 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.
Huntington Beach CA - VA & FHA Loan update for 2012
Huntington Beach, orange county, CA, California, VA, FHA, FHA Lender, VA Lender, FHA
Jumbo, VA Jumbo, IRRRL, Streamline, low downpayment, HARP,
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!
--> Answers to Common VA Loan Questions - VA FAQ Series
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.
We also serve Alabama, Colorado, Georgia, Illinois, Indiana, Massachusetts, Michigan, Mississippi, Indiana, Tennessee, Texas, and Wyoming Homebuyers and Homeowners.
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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
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Brian Skaar - Loan Originator / Branch Manager
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