Fremont VA Loans

Fremont VA Loans

Fremont VA Loans and FHA Home Mortgage Loans – VanDyk Mortgage – VA Lender & FHA Lender 2018 update.  VanDyk Mortgage is your source for VA Loans and FHA Loans in Fremont. We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender. We offer many loan programs for Fremont  Homebuyers and Oakland 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

Fremont FHA Loans are available up to $679,650 with just 3.5% down payment. The FHA 2018 Loan Limit for Fremont is $679,650.  Fremont FHA Loans that are over $453K up to $679,650 are called FHA Jumbo or FHA High Balance loans.

Fremont VA Loans are available up to $679,650 with zero down payment.  The Fremont VA Loan Limit in 2018 is $679,650.   However, Veterans are not limited to the Fremont VA Loan limit of $679,650 for VA 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.

Fremont Conforming Loans are available up to $679,650. The Fremont Conforming Jumbo Loans (aka Conforming High Balance, those over $453,100 and up to $679,650) require a minimum of 10% downpayment or equity.  Fremont Conforming loans with loan amounts of $453K or less are available with as little as 5% down.

Fremont is located in Northern California in the San Francisco Bay Area in Alameda County.

Fremont Home Loan information

FHA Home loans in Fremont , California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $679,650  (aka FHA High Balance)
  • The $679,650 is the base loan amount – the Fremont FHA Loan Limit of $679,650 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 580, 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 Fremont, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $679,650 with a VA Jumbo Loan
  • A $850K Fremont Home Purchase would only require $42,588 down payment (5.01%)
  • 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 Fremont .

Conforming Home Loans in Fremont, California:

  • Available up to $679,650 with the Conforming High Balance (aka conforming Jumbo)
  • Fremont Conforming loans available up to $453,100
  • Require a minimum of 5% down payment or up to 95% LTV up to $679K loan amounts
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, downpayment requirements, etc
*** we also offer piggy back Heloc Seconds up to 90% – these allow you to combine a $625K first with up to a $125K second to purchase a $830K home with 10% down. 

** 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.

Go with the Government Loan Pros, go with VanDyk. Visit us at or call Brian Skaar at 866-900-2342 for help with your FHA or VA loan. We offer FHAFHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans:California,Southern CaliforniaSan Francisco, Oceanside, Vista, Escondido, Los Angeles, Rancho Bernardo, Poway, San Marcos, San Diego, San Francisco, Bay Area, Ventura, Riverside, San Bernardino, Santa Barbara, Carmel, Monterey, VanDyk Mortgage 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).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at to get started or just find out more

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

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