tag:blogger.com,1999:blog-60252409152505929072023-07-17T22:02:09.987-07:00FHA Jumbo Loans - News, Resources, & TipsThis webpage will provide discussions, News, Resources, & Tips for homeowners who may benefit from FHA Jumbo sized loans.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comBlogger11125tag:blogger.com,1999:blog-6025240915250592907.post-30668009705833570692011-02-20T20:26:00.001-08:002011-02-20T20:29:36.405-08:00California FHA Home Mortgage Loans - VanDyk Mortgage - California FHA Lender<div style="color: rgb(0, 0, 0); font-family: Verdana, Arial, Helvetica, sans-serif; margin-top: 8px; margin-right: 8px; margin-bottom: 8px; margin-left: 8px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); "><p><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span"><strong>California FHA Home Mortgage Loans - VanDyk Mortgage - California FHA Lender. </strong>VanDyk Mortgage is your source for FHA Loans in California. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for California Homebuyers and California Homeowners to Purchase and refinance homes.</span></span></p><ul><li><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">FHA Purchase Loans</span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">FHA Refinance Loans</span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">FHA Jumbo <span mce_style="FONT-SIZE: 85%;">(aka High Balance)</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">FHA Streamline Loans</span></span></li></ul><p><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">California FHA Loans are available up to $729,750 with just 3.5% down payment in high cost counties. The FHA 2011 Loan Limita for California are up to $729,750. California FHA Loans that are over $417K up to $729,750 are called FHA Jumbo or FHA High Balance loans. Check your counties <a href="http://www.brianskaar.com/CA-FHA-LOAN-LIMITS-2011" mce_href="http://www.brianskaar.com/CA-FHA-LOAN-LIMITS-2011">California 2011 FHA Loan limits</a> here.</span></span></p><p><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">Here are some links to local California information:</span></span></p><ul><li><a href="http://www.ca.gov/" mce_href="http://www.ca.gov/"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">California State Website</span></span></a></li><li><a href="http://www.ca.gov/CaSearch/Agencies.aspx" mce_href="http://www.ca.gov/CaSearch/Agencies.aspx"><span class="Apple-style-span">California State Agency List</span></a></li><li><a href="http://www.crimemapping.com/map.aspx?loc=los%20angeles" mce_href="http://www.crimemapping.com/map.aspx?loc=los angeles"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">California Crime Maps</span></span></a></li><li><a href="http://www.muninetguide.com/states/california/municipality/Los_Angeles.php" mce_href="http://www.muninetguide.com/states/california/municipality/Los_Angeles.php"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">California Statistics, Demographics, & Info</span></span></a></li><li><a href="http://www.realtor.com/" mce_href="http://www.realtor.com/"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">California Real Estate</span></span></a></li><li><a href="http://www.greatschools.org/california/" mce_href="http://www.greatschools.org/california/"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">California School info</span></span></a></li><li><a href="http://en.wikipedia.org/wiki/Los_Angeles,_California" mce_href="http://en.wikipedia.org/wiki/Los_Angeles,_California"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">California Wiki</span></span></a></li></ul><p><span mce_style="FONT-SIZE: 85%;"><strong><span class="Apple-style-span">FHA Home loans in California:</span></strong></span></p><ul><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">FHA Home Loans require just 3.5% downpayment</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">FHA Jumbo Loans up to $729,750 (aka FHA High Balance)</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">The $729,750 is the base loan amount - the California 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)</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">The Seller can pay up to 3% of your closing and settlement costs.</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">Minimum score for most FHA Home Loans is just 620, even on FHA High balance or FHA Jumbo.</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">You can receive a gift of funds for your Downpayment and closing costs from Family</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">FHA Loans allow non-occupying co-borrowers such as parents and siblings.</span></span></span></li><li><span mce_style="FONT-SIZE: 85%;"><span mce_style="FONT-SIZE: 85%;"><span class="Apple-style-span">We offer FHA 203K Rehab and FHA 203K Streamline Rehab loans</span></span></span></li></ul><p><span class="Apple-style-span">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.</span></p><p><span class="Apple-style-span"><span mce_style="FONT-SIZE: 85%;">Go with the Government Loan Pros, go with VanDyk. Visit us at </span><a href="http://www.vandykfunding.com/" mce_href="http://www.vandykfunding.com/"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">www.vandykfunding.com</span></span></a><span mce_style="FONT-SIZE: 85%;"> or call Brian Skaar at 866-900-2342 for help with your FHA or VA loan. We offer</span><a href="http://www.brianskaar.com/fha_loan_limits_2009" mce_href="http://www.brianskaar.com/fha_loan_limits_2009"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;"> FHA</span></span></a><span mce_style="FONT-SIZE: 85%;">, </span><a href="http://fhajumbo.blogspot.com/" mce_href="http://fhajumbo.blogspot.com/"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">FHA Jumbo</span></span></a><span mce_style="FONT-SIZE: 85%;">, FHA Manual Underwrite, </span><a href="http://www.brianskaar.com/FHARehabloans_203K" mce_href="http://www.brianskaar.com/FHARehabloans_203K"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">FHA Rehab </span></span></a><span mce_style="FONT-SIZE: 85%;">203K, </span><a href="http://www.brianskaar.com/VALoans" mce_href="http://www.brianskaar.com/VALoans"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">VA,</span></span></a><span mce_style="FONT-SIZE: 85%;"> VA Jumbo, Conforming & </span><a href="http://jumbohomeloan.blogspot.com/" mce_href="http://jumbohomeloan.blogspot.com/"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">Jumbo Loans</span></span></a><span mce_style="FONT-SIZE: 85%;">.We serve the following areas for VA, FHA and Conventional loans:</span><a href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">California</span></span></a><span mce_style="FONT-SIZE: 85%;">,</span><a href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">Southern California</span></span></a><span mce_style="FONT-SIZE: 85%;">, </span><a href="http://www.brianskaar.com/SanFranciscoSanFranciscoCountyExperts" mce_href="http://www.brianskaar.com/SanFranciscoSanFranciscoCountyExperts"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">California</span></span></a><span mce_style="FONT-SIZE: 85%;">, San Diego, San Jose, San Francisco, Santa Monica, Pasadena, Brea, Diamond, Long beach, Huntington beach, Irvine, Costa Mesa, Hollywood, North Hollywood, San Mateo, ventura, Riverside, Oakland, Fremont, Sunnyvale, Santa maria, Oceanside, Vista, Escondido, California, Rancho Bernardo, Poway, San Marcos, Carmel, Monterey, Santa Barbara, Santa Cruz, and all areas in between. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to </span><a href="http://bskaar.activerain.com/post/1570479/fha-high-balance-or-fha-jumbo-what-is-the-difference-" mce_href="http://bskaar.activerain.com/post/1570479/fha-high-balance-or-fha-jumbo-what-is-the-difference-"><span mce_style="COLOR: #1e77b9;" style="color: rgb(30, 119, 185); "><span mce_style="FONT-SIZE: 85%;">FHA Jumbo</span></span></a><span mce_style="FONT-SIZE: 85%;">, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).</span></span></p><div style="font-size: 10px; "><span mce_style="FONT-SIZE: 85%;" style="font-size: 9px; "><br /></span></div></div>Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-4734407332680282952010-08-11T15:01:00.000-07:002010-08-11T15:03:15.196-07:00FHA Delays Mortgage Insurance Premium Increase until Oct 4, 2010<p><strong>FHA Delays Mortgage Insurance Premium Increase until Oct 4, 2010</strong></p><p>Hud has announced that previously announced FHA Premium Changes will now be implemented Oct 4, 2010, delayed from the original plan of Sept 7, 2010. Go here to view the <a title="Statement from Deputy Assistant Secretary Vicki Bott on the MIP changes" href="http://brianskaar.mortgagexsites.com/xSites/Mortgage/Brianskaar/Content/UploadedFiles/FHAPremiumChangesaugust2010.pdf" target="_blank">Statement from Deputy Assistant Secretary Vicki Bott on the change</a>.</p><p>This will create some opportunity for folks purchasing and refinancing their homes to take advantage of the current MI premium plans, which are less expensive than the new FHA MIP program. The benefit of starting now is much greater for those looking to Streamline Refinance their FHA High Balance or FHA Jumbo Loans, as the lower MIP rate will save you money. </p><p>Please view the following articles for more information on comparing the old and new FHA MIP premium structures, and how they effect you:</p><p><strong><a title="FHA Changes to Mortgage Insurance Premiums authorized in House Bill HR 5981" href="http://activerain.com/blogsview/1788244/fha-changes-to-mortgage-insurance-premiums-authorized-in-house-bill-hr-5981" target="_blank">FHA Changes to Mortgage Insurance Premiums authorized in House Bill HR 5981</a></strong></p><p><strong><a title="Part 1: Why FHA Loans will still be the better choice for many homebuyers (and refinancers!)" href="http://activerain.com/blogsview/1788311/part-1-why-fha-loans-will-still-be-the-better-choice-for-many-homebuyers-and-refinancers-" target="_blank">Part 1: Why FHA Loans will still be the better choice for many homebuyers (and refinancers!)</a></strong></p><p><strong><a title="Part 2: Why FHA Loans will still be the better choice for many homebuyers (and refinancers!)" href="http://activerain.com/blogsview/1788359/part-2-why-fha-loans-will-still-be-the-better-choice-for-many-homebuyers-and-refinancers-" target="_blank">Part 2: Why FHA Loans will still be the better choice for many homebuyers (and refinancers!)</a> </strong></p><p><strong>To get started on your FHA Loan today, please visit our online application at <a title="vandykfunding.com - FHA Direct Lender - CA, WA " href="https://brianskaar.mortgagexsites.com/iFrame.aspx?FileName=LoanApplicationPop.x&ReferrerGUID=ac587064-6b07-4e8d-bddd-82eb51dcbe91&language=English&UID=g4ga2a55muusvqiqxpwo1wr4" target="_blank">vandykfunding.com</a> or call us direct at 760-752-4480, ask for Brian Skaar. </strong></p><p></p>Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-31682647857844634452010-03-10T09:20:00.001-08:002010-03-10T09:28:08.194-08:00FHA Direct lender offers FHA Jumbo loans up to full county loan limitVanDyk Mortgage is a FHA Direct Lender offering FHA Jumbo loans up to your full County FHA Loan limit for 2010. This may sound strange, but many lenders are limited to a cap of $650K on FHA Loans, regardless of the FHA County Loan Limit. This constraint is due to their warehouse financing (ie, their line of credit for funding mortgage loans). We lend up to the full FHA County Loan limit.<br /><br />FHA Jumbo Loans are those that are $417,001 (aka the conforming loan limit) and up. In many parts of California FHA Loans are available up to $729,750. This would include Los Angeles, Orange County, Ventura County, San Francisco, Alameda county, Santa Clara, San Jose, San Mateo, and more. San Diego allows FHA loans up to $697,500, and Seattle is capped at $567,500. Be sure to check out our main website for details on FHA Loan Limits: <a href="http://www.vandykfunding.com/">http://www.vandykfunding.com/</a>. VanDyk offers FHA Jumbo loans for Purchase, Refinance, and Cash out Refinance.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-9956041536899944202010-03-05T14:22:00.000-08:002010-03-05T14:43:55.842-08:00FHA Loan limits for CA & WA - city snapshots<p>2010 Loan Limits for FHA loans in California and Washington are adding support to the housing markets with purchase prices over $400K and helping those who want to borrow over $417,000 to purchase their new home. The Base FHA Loan Limit remains at $271,050 accross much of the USA. The new Maximum limit for higher cost areas is now $729,750, with many counties accross America falling somewhere in between.<br /><br />Here are some highlights of the new loan limits: Bellevue, WA $567,500 Carlsbad, CA $697,500 Chula Vista, CA $697,500 Escondido, CA $697,500 Everett, WA $567,500 Greene County, GA $662,500 Key West, FL $729,750 Kirkland, WA $567,500 Long Beach, CA $729,750 Los Angeles, CA $729,750 Lynnwood, WA $567,500 Napa, CA $729,750 Oakland, CA $729,750 Oceanside, CA $697,500 Orange County, CA $729,750 Petaluma, CA $729,750 Pierce County, WA $567,500 Riverside, CA $500,000 Sacramento, CA $580,000 San Diego, CA $567,500 San Francisco, CA $729,750 San Jose, CA $729,750 San Juan County, WA $593,750 San Luis Obispo, CA $687,500 San Marcos, CA $697,500 Santa Barbara, CA $729,750 Santa Cruz, CA $729,750 Santa Rosa, CA $729,750 Seattle, WA $567,500 Snohomish County, WA $567,500 Tacoma, WA $567,500 Truckee, CA $562,500 Ventura, CA $729,750</p><br /><p>Don't see your city or county listed? Click here for <a href="http://www.brianskaar.com/xSites/Mortgage/Brianskaar/Content/UploadedFiles/2008%20Loan%20Limits%20for%20FHA%20FNMA%20%20FHLMC%20VanDykFunding.com.pdf">PDF list of all counties.</a><br /><br /><a href="http://www.brianskaar.com/default.aspx">VanDyk Mortgage</a> is a <a href="http://www.fhadirectlenders2.com/">FHA Direct Lender </a>serving clients for over 22 years. The FHA Jumbo size loans (those over $417K) are available up to the county loan limit for your area with just 3.5% down payment.</p><br /><p><br />We can help you get the home of your dreams with a Safe, Secure, Affordable <a href="http://www.brianskaar.com/FHALoans">FHA </a>loan. Call us at 866-900-2342 toll free to get details and achieve your dream of owning a beautiful new home. VanDyk Mortgage is a Full Eagle Direct Endorsement FHA Direct Lender. We have over 20 years in business Lending FHA loans direct to consumers. Call the experts.<br /><br />We serve the following areas for FHA and Conventional loans: <a href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/">California</a>, <a href="http://www.brianskaar.com/SanDiegoSanDiegoCountyExperts">San Diego</a>, 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,<a href="http://www.brianskaar.com/California-northern-Residential-Real-Estate-Loan-Lender/"> Northern California</a>, <a href="http://www.brianskaar.com/washington-Residential-Real-Estate-Loan-Lender/">Washington,</a> 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. VanDyk Mortgage is not only a FHA Lender in California and Washington, but also a VA Lender serving our Veterans and Active-Duty Personnel in California and Washington as well.</p>Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-84690413281657441502009-03-16T21:34:00.000-07:002012-05-20T12:26:58.822-07:00FHA Loan informationI have consolidated all of my new FHA Loan Posts, VA Loan Posts, and other Jumbo Loan posts and updates into our main blog, <a href="http://governmentloanpros.blogspot.com/" target="_blank">governmentloanpros.blogspot.com</a>. This will make it easier to keep track of all the new loan program changes as they come down the pike. For the best uses of FHA loans, VA Loans, Conforming Loans, VA Jumbo Loans, FHA Jumbo Loans, and Conforming Jumbo loans check back with us often. I will update often on new ways to utilize these Government Jumbo Loan programs to achieve your goals and satisfy your needs.<br />
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Many people have found that a VA Jumbo Home loan or FHA Jumbo Home Loan is the solution to their home purchase or Home Refinance needs. However, many more are still unaware that the modernization of these programs can now help millions into safe, secure, and affordable financing.<br />
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Working with a VA Direct Lender or FHA Direct Lender such as Van Dyk Mortgage has it benefits. We have been doing Government loans (FHA & VA) since 1987. We aren't learning the programs, we are making them work for you.<br />
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Our FHA Home Loans are available up to $729,750 (depending on county) and our VA home Loans are available up to $1,094,650 (depending on county). The current cap on Conforming Jumbo loans, both Fannie Mae Jumbo (High Balance) or Freddie Mac (Super Conforming) is $729,750, the newly restored loan limits for 2009. Please visit <a href="http://www.vandykfunding.com/">http://www.vandykfunding.com/</a> to see the limits for your county.<br />
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If you would like to Purchase or Refinance your home with a VA loan, the new 2009 VA loan limits go as high as $1,094,625 in some counties. To find out the loan limit for your county, <a href="http://www.brianskaar.com/xSites/Mortgage/Brianskaar/Content/UploadedFiles/VA%20%202009_county_loan_limits.pdf" mce_href="http://www.brianskaar.com/xSites/Mortgage/Brianskaar/Content/UploadedFiles/VA%20%202009_county_loan_limits.pdf" target="_blank">click here.</a><br />
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VA Loans can refinance your non VA loan into a safe, secure, and affordable VA home loan. Even up to $1,094,650. We can even leave your existing second mortgage in place with out regard to the total Combined Loan to Value (case by case basis, call for details). VA Jumbo Loan amounts are those from $417,001 up to $1,094,650. (depending on county).<br />
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FHA Loans can refinance your non FHA loan into a safe, secure, and affordable FHA home loan. Even up to $729,750. We can even leave your existing second mortgage in place with out regard to the total Combined Loan to Value (case by case basis, call for details). FHA Jumbo Loan amounts are those from $417,001 up to $729,750 (depending on county).<br />
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Call the Government Loan Experts at VanDyk Mortgage today at 866-900-2342. <a href="http://www.vandykfunding.com/" mce_href="http://www.vandykmortgage.com">http://www.vandykfunding.com/</a><br />
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VanDyk Mortgage has been making FHA & VA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender.<br />
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VanDyk Mortgage is also a Proud VA Direct Lender. Go with the Government Loan Pros, go with VanDyk. Visit us at <a href="http://www.vandykfunding.com/" mce_href="http://www.vandykfunding.com/">http://www.vandykfunding.com/</a> or call Brian Skaar direct at 760-752-4480 for help with your VA or FHA loan.<br />
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We are your VA Jumbo Direct Lender and FHA Jumbo Direct Lender and we offer<a href="http://www.brianskaar.com/fha_loan_limits_2009" mce_href="http://www.brianskaar.com/fha_loan_limits_2009"> FHA</a>, <a href="http://fhajumbo.blogspot.com/" mce_href="http://fhajumbo.blogspot.com/">FHA Jumbo</a>, FHA Manual Underwrite, FHA Jumbo Streamline refinance, FHA Jumbo Purchase, FHA Streamline, VA, VA Streamline, VA Jumbo purchase, VA Jumbo Refinance, VA Cashout refinance, <a href="http://www.brianskaar.com/FHARehabloans_203K" mce_href="http://www.brianskaar.com/FHARehabloans_203K">FHA Rehab </a>203K, <a href="http://www.brianskaar.com/VALoans" mce_href="http://www.brianskaar.com/VALoans">VA,</a> Conforming & <a href="http://jumbohomeloan.blogspot.com/" mce_href="http://jumbohomeloan.blogspot.com/">Jumbo Loans</a>.<br />
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We serve the following areas for VA, FHA and Conventional loans: <a href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/">California</a>,<a href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/">Southern California</a>,<a href="http://www.brianskaar.com/California-northern-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/California-northern-Residential-Real-Estate-Loan-Lender/"> Northern California</a>, <a href="http://www.brianskaar.com/washington-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/washington-Residential-Real-Estate-Loan-Lender/">Washington</a>, <a href="http://www.brianskaar.com/Texas-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/Texas-Residential-Real-Estate-Loan-Lender/">Texas</a>, <a href="http://www.brianskaar.com/georgia-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/georgia-Residential-Real-Estate-Loan-Lender/">Georgia</a>, <a href="http://www.brianskaar.com/Florida-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/Florida-Residential-Real-Estate-Loan-Lender/">Florida</a>, <a href="http://www.brianskaar.com/SanDiegoSanDiegoCountyExperts" mce_href="http://www.brianskaar.com/SanDiegoSanDiegoCountyExperts">San Diego</a>, San Marcos, CA, WA, GA, FL, MO, MI, TX, 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,<a href="http://www.brianskaar.com/California-northern-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/California-northern-Residential-Real-Estate-Loan-Lender/"> Northern California</a>, <a href="http://www.brianskaar.com/washington-Residential-Real-Estate-Loan-Lender/" mce_href="http://www.brianskaar.com/washington-Residential-Real-Estate-Loan-Lender/">Washington,</a> 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.<br />
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VanDyk Mortgage is your FHA Lender & VA Lender of choice.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-47909512442650521972008-11-10T09:23:00.000-08:002008-11-10T09:56:56.895-08:00New 2009 FHA Loan Limits ReleasedNew Loan Limits for FHA loans made in 2009 have been released. The Base FHA Loan Limit remains at $271,050 accross much of the USA. The new Maximum limit for higher cost areas is now $625,500, with many counties accross America falling somewhere inbetween.<br /><br />Here are some highlights of the new loan limits:<br />Bellevue, WA $506,000<br />Carlsbad, CA $546,250<br />Chula Vista, CA $546,250<br />Escondido, CA $546,250<br />Everett, WA $506,000<br />Greene County, GA $515,200<br />Key West, FL $529,000<br />Kirkland, WA $506,000<br />Long Beach, CA $625,500<br />Los Angeles, CA $625,500<br />Lynnwood, WA $506,000<br />Mono County, CA $529,000<br />Napa, CA $592,250<br />Naples, FL $448,500<br />Oakland, CA $625,500<br />Oceanside, CA $546,250<br />Orange County, CA $625,500<br />Petaluma, CA $520,950<br />Pierce County, WA $506,000<br />Riverside, CA $417,000<br />Sacramento, CA $474,950<br />Salinas, CA $483,000<br />San Diego, CA $546,250<br />San Francisco, CA $625,500<br />San Jose, CA $625,500<br />San Juan County, WA $483,000<br />San Luis Obispo, CA $561,200<br />San Marcos, CA $546,250<br />Santa Barbara, CA $603,750<br />Santa Cruz, CA $625,500<br />Santa Rosa, CA $520,950<br />Seattle, WA $506,000<br />Snohomish County, WA $506,000<br />Tacoma, WA $506,000<br />Truckee, CA $477,250<br />Ventura, CA $598,000<br /><br />Don't see your city or county listed? Click here for <a href="http://www.brianskaar.com/xSites/Mortgage/Brianskaar/Content/UploadedFiles/2009%20FHA%20Loan%20Limits%20Nationwide.pdf">PDF list of all counties.</a><br /><br /><a href="http://www.brianskaar.com/default.aspx">VanDyk Mortgage</a> is a <a href="http://www.fhadirectlenders2.com/">FHA Direct Lender </a>serving clients for over 22 years. The new loan limits are available for our <a href="http://www.brianskaar.com/FHARehabloans_203K" mce_href="http://www.brianskaar.com/FHARehabloans_203K">VanDyk Rehab Express</a> loans and <a class="" href="http://fhasecure.blogspot.com/" target="_blank" mce_href="http://fhasecure.blogspot.com/">FHA Secure</a> loans as well.<br /><br />We can help you get the home of your dreams with a Safe, Secure, Affordable <a href="http://www.brianskaar.com/FHALoans">FHA </a>loan. Call us at 866-900-2342 toll free to get details and achieve your dream of owning a beautiful new home. VanDyk Mortgage is a Full Eagle Direct Endorsement FHA Direct Lender. We have over 20 years in business Lending FHA loans direct to consumers. Call the experts.<br /><br />We serve the following areas for FHA and Conventional loans: <a href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/">California</a>, <a href="http://www.brianskaar.com/SanDiegoSanDiegoCountyExperts">San Diego</a>, 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,<a href="http://www.brianskaar.com/California-northern-Residential-Real-Estate-Loan-Lender/"> Northern California</a>, <a href="http://www.brianskaar.com/washington-Residential-Real-Estate-Loan-Lender/">Washington,</a> 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.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-17101185824240914842008-09-08T22:30:00.000-07:002008-09-08T22:36:08.055-07:00FHA Jumbo loans - the window of opportunity closes soonFHA Jumbo loans - the window of opportunity closes soon <br />The 2008 Stimulus act loan limits expire soon, December 31, 2008. We are getting numerous inquiries asking what the limits will be on Jan 1, 2009, as they were lowered for most counties accross the USA in the latest housing bill. We don't have the details from HUD yet on the new loan limits except for two facts. The maximum will now be $625,500 anywhere, and it will be based on a factor above the average home price. Well, home prices have decreased significantly over the past 6 months since the stimulus limits were set, so we can expect the new limits to be much lower accross the board, even lower than the new cap.<br /><br />Check back with us soon as will post the new limits as soon as we receive them from HUD. <br /><br />For your new home purchase, or the purchase of your Buyers, if you are looking at homes that are between $417K and $800K, call us now to find out how much you might save with today's competitive FHA Jumbo rates. These are good for Purchase of a home as well as Refinance.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-28326906699436804292008-08-09T17:00:00.000-07:002008-08-13T10:05:45.272-07:00Update on the VanDyk FHA Rehab loanThis post isn't talking about some hollywood celebrity fearing another stay at the Betty Ford Clinic, rather it is regarding Realtors & Buyers fearing the Rehab Property and the Rehab loan. Many Realtors & Homebuyers are discouraged when they see a bank-owned REO or Bank Repo that is in Poor Condition. Dirty, filthy carpets, dire need of fresh paint, needs new appliances, and otherwise simple repairs. The problem is that the house just doesn't show well. It leaves a bad taste in your mouth just looking at it.<br /><br />For those with a little vision of what that house could turn into, the VanDyk FHA Rehab loan can help. This loan doesn't require HUD consultants, or lengthy inspections. It is actually quite easy to deal with our streamlined process and one time closing procedures.<br /><br />Utilizing the VanDyk FHA Rehab program can actually enhance the value of your new home. Imagine moving in to fresh paint, new appliances, upgraded lighting, a new deck, or ? Most families plan on making changes when they purchase a new home, only it takes either years of saving & work on weekends, or empties the savings account. Let us show you the exciting power this loan offers to not only help you purchase your new home, but also to make it your own just the way you want it.<br /><br />Call Brian Skaar at VanDyk Mortgage to find out if this program can help sell your listing, or if it might be the right choice to help you into your next home. 866-900-2342 toll free. or apply <a href="http://www.vandykfunding.com/">online</a>.<br /><br />Realtors have found that teaming up with VanDyk Mortgage is helping them sell their REO listings quicker, as potential buyers have more options than with other banks or brokers. Utilize our expert knowledge to sell more homes. Team up with Brian Skaar & VanDyk Mortgage today.<br /><br />The VanDyk FHA Rehab loan is available up to the FHA loan limits for your area. Currently the limits are 729,750 in Los Angeles, Orange County, San Francisco & San Jose, while San Diego is capped at $697,500, Seattle is at 567,500, and Riverside/San Bernardino areas are at $500,000.<br /><br />VanDyk Mortgage is a Direct FHA Lender. VanDyk Services all of these areas and more. Visit our website for details.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-41497279730650953572008-08-05T20:06:00.000-07:002008-08-05T20:24:44.370-07:00FHA Rehab loans - the best way to buy a bank REPO or REO homeThere is no doubt that the current real estate market offers a lot of great bargains on bank owned, Foreclosed, REO, Repo'd, etc homes. One problem. many have been hammered on by the previous owner and left in poor condition. Missing appliances, ruined carpet & flooring, holes in the wall, etc. Most lenders don't offer loan programs that will be able to help folks buy homes in this condition. At least not without a very large downpayments.<br /><br />This is where a little known program called the FHA 203K Rehab loan comes in. The FHA 203K Rehab loan is becoming very necessary for the purchase of many Bank Owned, REO, or Repo properties. <a href="http://www.brianskaar.com/default.aspx" target="_blank">VanDyk Mortgage</a> offers FHA 203K streamlines to make the process of buying a home that needs a little TLC (or quite a bit in some cases!) easier, more affordable, and quicker. Many of us have seen firsthand, or have heard stories about foreclosed home that have been torn up, stripped, vandalized, etc. With conventional financing, these homes are very difficult to sell or buy, as they are not in move in condition, and most lenders will not lend on a damaged home.<br /><br />Our <a href="http://www.brianskaar.com/FHARehabloans_203K" target="_blank">FHA 203K Streamline</a> program allows the homebuyer to put up to $35K of rehab work into the new loan. The loan closes 1 time. It is a permanent form of financing. The Streamline program should not be confused with the more complicated FHA 203K rehab loan, which can accomadate major remodels, major damage repair, storm damage, etc. The <a href="http://myfhaloan.org/" target="_blank">FHA</a> 203K Streamline rehab loan is just that - Streamlined. <br /><br />This loan can help with new paint (in/out), new siding, new roof, new flooring, new appliances, hvac repair/replacement, electrical & plumbing repair & upgrades, new windows, decks, porches, patios, minor kitchen remodels, & more.<br /><br />These loans are a key to helping homes become more accessible for disabled folks as the modifications can often be completed with a FHA 203K loan. <br /><br />What it can't cover is landscaping, structural damage, foundation work, room additions, load bearing wall changes, etc. This loan is not compatible with <a href="http://fhasecure.blogspot.com/" target="_blank">FHA Secure.</a> It is available up to the Mortgage limits in your county (<a href="http://fhajumbo.blogspot.com/" target="_blank">FHA Jumbo</a>), which can be found <a href="http://www.brianskaar.com/xsites/Mortgage/Brianskaar/content/uploadedFiles/2008%20Loan%20Limits%20for%20FHA%20FNMA%20%20FHLMC.pdf" target="_blank">here</a>.<br /><br />There is no HUD consultant or general contractor is required. However, we do suggest using a general contractor with a strong track record to ensure that your work is done & done right.<br /><br />Here is a real life example of a perfect home to use a VanDyk FHA 203K Streamline Rehab loan to purchase:<br />The previous homeowner took the dual zone central AC units with them (Ok, they stole them) wrong, yes, but they did it. Now the Bank and the Listing agent need some help to get this place sold, since it is missing teeth so to speak. In comes the FHA 203K rehab loan. That same home also needs alot of new light fixtures, and a complete set of appliances, but with a little work and a VanDyk FHA 203K rehab loan, a lucky new homeowner is getting a great deal. Along with fresh paint, new AC units and new appliances throughout the home.<br /><br />Please give us a call to find out if this loan is right for your listing, or right for your buyer that is looking at Bank-owned, REO, or Repo properties that are in need of TLC & repairs. 866-900-2342 (toll free) or <a href="https://brianskaar.mortgagexsites.com/iFrame.aspx?FileName=LoanApplicationPop.x&ReferrerGUID=b383f30f-4389-48a7-ac21-7cd89d3aea0b&language=English&UID=aybm00embqbjqzfdoprxoiyn" target="_blank">apply</a> online at <a href="http://www.vandykfunding.com/">www.vandykfunding.com</a>. Call the FHA Experts, Call VanDyk Mortgage<br /><br />We serve the following areas for FHA and Conventional loans: California, <a href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/" target="_blank">San Diego</a>, San Marcos, Carlsbad, Oceanside, Vista, Escondido, Fallbrook, Bonsall, Riverside, Los Angeles, Orange County, Irvine, Corona, Anaheim, Santa Ana, <a href="http://www.brianskaar.com/washington-Residential-Real-Estate-Loan-Lender/">Seattle,</a> Washington, Bellevue, Kirkland, Redmond, Lynnwood, Olympia, Tacoma, Puyallup, Buckley, Auburn, Kent, Federal Way, Seatac, <a href="http://www.brianskaar.com/California-northern-Residential-Real-Estate-Loan-Lender/" target="_blank">San Francisco</a>, Concord, Fremont, Oakland, 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, 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.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-63400897037689584112008-05-23T16:31:00.001-07:002008-05-24T15:39:49.900-07:00FHA & the Stimulus packageMuch Hype has been granted to the US Stimulus package signed into law in March this year. One area of opportunity for homeowners that hasn't received much press is the new higher FHA limits in non- high cost states. The minimum limits for FHA loans in states and counties outside the high cost zones such as San Diego, <a href="http://www.brianskaar.com/washington-Residential-Real-Estate-Loan-Lender/">Seattle</a>, <a href="http://www.brianskaar.com/Florida-Residential-Real-Estate-Loan-Lender/">Miami</a>, <a href="http://www.brianskaar.com/California-southern-Residential-Real-Estate-Loan-Lender/">Los Angeles</a>, etc have increased to $271,050. This is a $70K increase which can help many homeowners refinance out of adjustable rate mortgages, Subprime mortgages and other loans that may no longer be suitable for their family. For details on your area's new limits, visit this link "<a href="http://www.brianskaar.com/xsites/Mortgage/Brianskaar/content/uploadedFiles/2008%20Loan%20Limits%20for%20FHA%20FNMA%20%20FHLMC.pdf">new loan limits</a>" or just give us a call to discuss your options at 760-752-4480.<br /><br />VanDyk Mortgage is a Full Eagle Direct Endorsement FHA Direct Lender. We have over 20 years in business Lending FHA loans direct to consumers. Call the experts.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.comtag:blogger.com,1999:blog-6025240915250592907.post-29317243838632961122008-05-23T16:25:00.001-07:002008-08-13T10:08:45.822-07:00Welcome to our new FHA Jumbo loan blogWelcome to our new FHA Jumbo loan blog. We proudly offer FHA Loans to US Homebuyers and Homeowners for the purchase and refinance of their primary home. FHA loans offer competitive rates along with expanded qualification guidelines. The new FHA Jumbo loans offer buyers & owners the opportunity to borrow up to $729,750 in select high cost markets such as Los Angeles, San Francisco, Orange County, & San Jose California. San Diego limits go up to $697,500, and Seattle area limits are now at $567,500.<br /><br />Call us to find out how this program can help you into a new home with a safe, secure, & affordable payment. This program is also offered for the refinance (rate & term or cash out) of primary homes as well. Call me at 760-752-4480 to get started.<br /><br />VanDyk Mortgage is a Direct FHA Lender.Brian Skaar - Loan Originator NMLS #CADOC 220268http://www.blogger.com/profile/15185364669685161018noreply@blogger.com