Tag Archives: Bakersfield

VA IRRRL Streamline Refinance Options for California Veterans

VA IRRRL Streamline Refinance Options for California Veterans

The VA IRRRL Streamline Refinance is a great option to reduce the interest rate on your California VA Loan.   The VA Streamline requires reduced documentation,  and offers a streamlined process.

VA IRRRL (Interest Rate Reducing Refinance Loan) Streamlines and VA Jumbo IRRRL Streamline Refinances are available for Owner Occupied Homes, Single Family Homes, Condo’s, Second Homes, and Rental Properties secured by VA and VA Jumbo Loans.   (Rental Properties are also known as Non-owner, or Investment Homes).

Basic requirements for a California VA IRRRL Streamline Refinance:

  • On-time Mortgage Payments last 6 months
  • No income or asset documentation required
  • No Maximum Loan Amount – current VA Loan Limits are not considered for VanDyk VA IRRRL’s
  • Minimal Costs
  • Full Appraisal Alternatives available (ie, sometimes no appraisal required)
  • You can exceed your California county VA Loan Limit for the VA Jumbo  IRRRL Streamline Refinance.
  • 30 yr Fixed Rate is the best option for most Veterans,  Rates have never been lower

If your current VA Loan exceeds the VA Loan Limit for your county, we can help.   We do not limit VA Jumbo IRRRL Streamline Refinances to the County VA Loan Limits.

We are a Direct Lender for VA Loans.   We offer VA IRRRL Streamlines  throughout our service areas including California cities:   Anaheim, Bakersfield, Carlsbad, Chula Vista, Corona, Coronado, Encinitas, Escondido, Fremont, Fresno, Huntington Beach, Irvine, Lake Elsinore, Long Beach, California, Menifee, 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,  and all cities in between.

Call the Government Loan Pros with VanDyk Mortgage at 866-900-2342 today.

>>>  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 VA IRRRL Streamline, VA Jumbo IRRRL Streamline, VA Jumbo Loans, VA Loans

VA IRRRL Streamline Refinance for California Non-owner occupied home (Rental or Investment)

Can I get a VA IRRRL Streamline Refinances for my California Non-owner occupied home?  

This is a common question for California Veterans and California based Active Duty Military Personel who have utilized their VA Benefit to purchase a home in California using a VA Loan, and then are transferred to another area, often via PCS out of state.   Or if they have purchased another home to adjust to a new family size or larger home, etc.

So what is the answer to the question – Can I get a VA IRRRL Streamline Refinance for my Non-owner occupied home?  (AKA Rental Home or Investment home).  The answer is Yes!   With VanDyk Mortgage,  we allow qualified Veterans and Active Duty Service Members to utilize the VA IRRRL Streamline on Non-owner occupied properties that already have VA Loan Financing.

The VA IRRRL Streamline Refinance allows you to Lower yoiur rate and payment with minimal cost and a streamlined process.

We offer these throughout California including San Diego, San Francisco, Los Angeles, Riverside, San Bernardino, Sacramento, Fresno, Bakersfield, Stockton, Oceanside, Chula Vista, Escondido, Temecula, Murrieta, Corona, and all cities in between.

Call the Government Loan Pros with VanDyk Mortgage at 866-900-2342 today.

>>>  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, Uncategorized, VA Jumbo Loans, VA Loans

Kern County VA Loan Info

Kern County VA and VA Jumbo Loan info – Direct Lender – VA Purchase, VA Refinance, and VA IRRRL Streamline Refinance

VanDyk Mortgage is your source for VA Loans and VA Jumbo Loans in Kern County, CA.   We have been helping Veterans with VA loans since 1987.   VanDyk Mortgage is a Direct Lender offering VA and VA Jumbo Loans.   We offer many VA loan programs for Kern County Homebuyers and California Veteran Homeowners to Purchase and Refinance their homes, as well as Streamline Refinance using the VA IRRRL Program.

  • VA Loans   (Purchase and Refinance)
  • VA Jumbo Loans  (Purchase and Refinance)
  • VA Loans for Condo’s   (Purchase and Refinance)
  • VA Streamline Refinance (IRRRL)
  • VA Jumbo Streamline Refinance (IRRRL)

Kern County VA Loans are available up to $417,000 with Zero down payment required.  The Kern County VA Loan Limit in 2015 is $417,000.   We do not limit Veterans to the County Loan limit of $417,000 for Kern County VA Jumbo Loans.   We also offer VA Jumbo Loans up to $1.5 Million with the appropriate down payment 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.

Even if your current VA Loan exceeds the VA County limit, we can help you utilize the VA IRRRL Streamline Refinance, we offer VA IRRRL Streamlines even when loan amount exceeds your VA County Loan Limit.

VA Home Loans in Kern County, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $417,000
  • A $475,000 Kern County VA Home Purchase would only require  a $14,500 down payment  ( 3.05%)
  • A $600,000  Kern  VA Home Purchase would only require $45,750 down payment  ( 7.63%)
  • A $750,000 Kern VA Home or Condominium Purchase would require a $83,250 (11.1 %)
  • 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 Approved Condo’s can utilize VA Loans too
  • Your VA Benefit can be used more than once

VA Loans can be used to purchase multi family 2-4 unit homes (2-unit, 3-unit, 4-unit, Duplex, Triplex, Fourplex).  (Refinance also)

We offer VA financing on VA Approved Condo’s. Here is a link to the new Veterans Administration VA Approved Condo Search Engine.   Please call us if you have questions or need help with your VA Approved Condo search, we are here to help.   We can also assist in getting your VA Condo Approved with the VA.

VanDyk Mortgage has been helping Veterans with VA loans since 1987.   We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender also.   We are a VA Lender and VA Jumbo Lender.  We offer VA Loans, VA Jumbo Loans, VA Condo Loans, VA Refinance Loans, VA Jumbo Refinance Loans, VA IRRRL Streamline Loans and VA Jumbo IRRRL Streamline Loans.

Go with the Government Loan Pros, go with VanDyk.   Call Brian Skaar at 760-752-4480 for help with your VA loan financing.

We service the following cities in Kern county:  Arvin, Bakersfield, California City, Delano, Maricopa, Mcfarland,Ridgecrest, Shafter, Taft, Tehachapi, Sasco, and all areas within the county as well.

>>>  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, Uncategorized, VA High Balance, VA IRRRL Streamline, VA Jumbo IRRRL Streamline, 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