Orange County VA Loans – VA Jumbo Loans – California VA Lender

Orange County VA Loans – VA Jumbo Loans – California VA Lender 2o18 Update

Orange County, CA VA Loans and FHA Home Mortgage Loans – VanDyk Mortgage – California VA Lender & FHA Lender serving OC

Orange County, CA VA Loans, VA Jumbo Loans and FHA Home Mortgage Loans – VanDyk Mortgage – California VA Lender & FHA Lender.  VanDyk Mortgage is your source for VA Loans and FHA Loans in Orange County. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Orange County Homebuyers and OC 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

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

Orange County VA Loans are available up to $679,650 with zero down-payment. The Orange County VA Loan Limit in 2018 is $679,650. However, Veterans are not limited to the Orange county VA Loan limit 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.

Orange County Conforming Loans are available up to $679,650.  The OC Conforming Jumbo Loans (aka Conforming High Balance, those over $453,100 and up to $679,650) require a minimum of 5% down payment or equity,  OC Conforming loans of $453K and less require just a 3% down payment.

Orange County is home to  Huntington Beach, Surf City USA. Huntington Beach has miles of beaches, famous for Surfing, Surfing Competitions, and the Huntington Beach downtown is classic SoCal beach to a T.

Orange County Home Loan information

FHA Home loans in Orange County, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $679,650 (aka FHA High Balance)
  • 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 Orange County, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $679,650
  • A $850k Orange County Home Purchase would only require a $42,588 down-payment (5.01%)
  • A $975k Orange County Home Purchase would only require a $73,838 down-payment (7.6%)
  • 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

Conforming Home Loans in Orange, California:

  • Available up to $679,650 with the Conforming High Balance (aka conforming Jumbo)
  • Orange County Conforming loans available up to $453,100
  • require a minimum of 3% down payment or up to 97% LTV up to $453K loan amounts
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, downpayment requirements, etc

We offer Jumbo Conventional Loans up to $3m – call for details.** 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 www.vandykfunding.com 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:AnaheimBakersfieldCarlsbadChula VistaCorona,EncinitasEscondido, Fremont, Fresno, Huntington Beach, Irvine, Lake ElsinoreLong BeachLos AngelesMenifee, Monterey, Moreno Valley, MurrietaNational CityOakland,Oceanside, Pasadena, Poway, Rancho Bernardo, Riverside, Sacramento, San Bernardino, San DiegoSan Francisco,San Jose,San Marcos, San Mateo, Santa Ana, Santa Barbara, Santa Clara, Santa Monica, Santa Rosa, Temecula, Ventura, Vista, Westminster, Wildomar, and the following Cities in Washington: Auburn, Bellevue, Bellingham, Bonney Lake, Bothell, Bremerton, Edmonds, Everett, Federal Way, Kent, Kirkland, Lacey, Lake Stevens, Lynnwood, Monroe, Mukilteo, Puyallup, Redmond, Renton, SeattleSpokane,Tacoma, Vancouver, Wenatchee, Woodinville, Yakima

VanDyk Mortgage funds VA & FHA Loans Direct. and all areas in between. 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 www.vandykfunding.com 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)

Orange County, CA, VA, VA Jumbo, FHA, FHA Jumbo, Direct Lender, FHA Lender, VA Lender

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