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Filed under VA Loans

We are your Source for VA and VA Jumbo Loans

We are Your Source for VA and VA Jumbo Loans.

When looking to use your VA Home Loan Benefit to Purchase, Refinance, or Streamline Refinance your Home, it is important to select a VA Loan Pro that is knowledgeable about VA Loans, knows how to get you qualified for the best available VA Loan or VA Jumbo Loan, and knows how to handle and navigate through the many nuances that VA Loans have to get you the loan you want.

Read through our site, then call us when you are ready to get started.   We have been making VA Loans since 1987.

We offer VA Loans and VA Jumbo Loans to Purchase, Refinance, and VA IRRRL Streamline Refinance of your home.

Call 866-900-2342 toll free,  or apply online at www.vandykfunding.com to get started.’

California 100% financing VA Loan Limit now up to $625,500 for 2015 in select counties.   More info on  California VA Loan Limits for 2015

Virginia 100% Financing VA Loan Limit now up to $625,500 for 2015 for select counties.   Call for details. 

Washington 100% Financing VA Loan Limit now up to $517,500 for 2015 for select counties.   Call for details.

Wyoming 100% Financing VA Loan Limit now up to $625,500 for 2015 for Teton county.   Call for details.

—>>>  Get Started here on your VA Loan or give us a call at 866-900-2342  (toll free direct)

 

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Filed under California VA Lender, VA Jumbo Lender, VA Jumbo Loans, VA Jumbo Purchase, va loan after bankruptcy, va loan after foreclosure, va loan after short sale, VA Loans, VA Loans over $1m, VA Purchase Loan

California VA Loan Limits for 2016

VA Loan Limits for 2016 – up to $625,500 in California

The Veterans Administration has announced the VA Loan Limits for California for 2016.   The new California VA Loan Limits for 2016 have increased in some areas, stayed the same in others and went down in a select few high cost counties.

The VA Jumbo Loan (aka VA High Balance Loan)  allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas of California and Washington at loan amounts more in sync with local housing prices. Qualified Vet’s can purchase up to $625,500 with zero money down in Bay Area counties such as San Francisco, Marin, San Mateo, Alameda and Contra Costa as well as Los Angeles, Orange county and Santa Barbara.

Some examples of the new VA Loan Limits in California are:  Veterans in Los Angeles, Orange County, Brea, Pasadena, Irvine, Costa Mesa, Huntington Beach, and Long Beach may qualify for a 100% VA Jumbo loan up to $625,500.   San Diego County cities including San Diego, Oceanside, Chula Vista, El Cajon, Encinitas, Carlsbad, San Marcos, Escondido, Rancho Bernardo, and La Mesa   a Vet can borrow up to $580,750 with no money down when buying a house.   San Jose Vets can go up to $625,500 with no money down VA Purchase Loan.  SF Bay Area Vets buying a home in San Francisco, Alameda, Oakland, Fremont, Contra Costa, Marin, San Mateo, Daly City, etc can qualify up to $625,500 for a 100% VA Jumbo Loan as well.  We also offer VA Loans that exceed these limits with the appropriate amount of Down payment on purchases, or equity on Refinances, with a max VA Jumbo Loan amount of $1.5M.

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

We have compiled the California VA Loan limits for 2016 by county below.

State County 2016 VA Loan Limit

CA ALAMEDA $625,500

CA ALPINE $463,450

CA AMADOR $417,000

CA BUTTE $417,000

CA CALAVERAS  $417,000

CA COLUSA $417,000

CA CONTRA COSTA $625,500

CA DEL NORTE $417,000

CA EL DORADO $474,950

CA FRESNO $417,000

CA GLENN $417,000

CA HUMBOLDT $417,000

CA IMPERIAL $417,000

CA INYO $417,000

CA KERN $417,000

CA KINGS $417,000

CA LAKE $417,000

CA LASSEN $417,000

CA LOS ANGELES $625,500

CA MADERA  $417,000

CA MARIN $625,500

CA MARIPOSA $417,000

CA MENDOCINO $417,000

CA MERCED $417,000

CA MODOC $417,000

CA MONO $529,000

CA MONTEREY $529,000

CA NAPA $625,500

CA NEVADA $477,250

CA ORANGE $625,500

CA PLACER $474,950

CA PLUMAS $417,000

CA RIVERSIDE $417,000

CA SACRAMENTO $474,950

CA SAN BENITO   $625,500

CA SAN BERNARDINO $417,000

CA SAN DIEGO $580,750

CA SAN FRANCISCO $625,500

CA SAN JOAQUIN $417,000

CA SAN LUIS OBISPO $561,200

CA SAN MATEO $625,500

CA SANTA BARBARA $625,500

CA SANTA CLARA $625,500

CA SANTA CRUZ $625,500

CA SHASTA $417,000

CA SIERRA $417,000

CA SISKIYOU $417,000

CA SOLANO $417,000

CA SONOMA $554,300

CA STANISLAUS $417,000

CA SUTTER $417,000

CA TEHAMA $417,000

CA TRINITY $417,000

CA TULARE $417,000

CA TUOLUMNE $417,000

CA VENTURA $603,750

CA YOLO $474,950

CA YUBA $417,000

Many Vets would like to purchase or refinance a home that exceeds their County VA Loan Limit. If you need a VA loan for a higher amount than your county loan limit, please call us.  We offer VA loans over the county loan limits for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline), up to $1.5M nationwide with appropriate down payment or home equity to meet the VA guarantee requirement.   Call Brian Skaar at 760-752-4480 to get started.  VanDyk Mortgage also 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).

>>>  Get started here on your VA Loan online, or give us a call at 866-900-2342  (toll free direct)

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Filed under California VA Lender, VA High Balance, VA IRRRL Streamline, VA Jumbo IRRRL Streamline, VA Jumbo Lender, VA Jumbo Loans, VA Jumbo Purchase, VA Loans over $1m, VA Purchase Loan

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

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

Many California 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 Hardships for many Veterans across the Country in the form of Bankruptcy, Foreclosure and Short Sale.

We have good news for our California Vets:  You may qualify for a VA 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 for VA Loans in California below.

California VA Loans after Financial Hardship:

  • VA Loan after Bankruptcy – as soon as 2 yrs after Bankruptcy Discharge
  • VA Loan after Foreclosure – as soon as 2 yrs after Foreclosure Sale Date
  • VA Loan after Short Sale – as soon as 2 yrs after Short Sale date

**Short Sales that had no late Mortgage Payments prior to date of sale may be eligible sooner than 2 yrs (sometimes immediately after sale)

Note – We also offer VA Jumbo Loans 24 months out from Bankruptcy,  Foreclosure, and Short Sale

It is imperative for VA 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.

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.

 >>>  Get started here on your VA Loan PreApproval or give us a call at 866-900-2342  (toll free direct)

 

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Filed under California VA Lender, VA High Balance, VA Jumbo Lender, VA Jumbo Loans, VA Jumbo Purchase, va loan after bankruptcy, va loan after foreclosure, va loan after short sale, VA Loans, VA Purchase Loan