Tag Archives: San Bernardino

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 Loans after Hardship – Bankruptcy, Foreclosure, Short Sale

VA Loans after Hardship – Bankruptcy, Foreclosure, Short Sale

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

>>We have good news for our Vets:   You can get a VA Loan soon as 2 years after one of these events, sometimes sooner

We put together a quick list of the waiting period for each Hardship.

VA Loans After Financial Hardship:

  • VA Loans after Bankruptcy – as soon as 2 yrs after Bankruptcy Discharge
  • VA Loans after Foreclosure – as soon as 2 yrs after Foreclosure Sale Date
  • VA Loans 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 – if the Short Sale or Foreclosure was on a VA Loan,  additional requirements apply.

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.  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, Uncategorized, VA Jumbo Loans, va loan after bankruptcy, va loan after foreclosure, va loan after short sale, 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