VA Loan Limits for 2025 – VA loans now available…
California VA Loan Limits for 2025
Washington VA Loans and FHA Home Mortgage Loans – VanDyk Mortgage – Washington VA Lender & FHA Lender.
VanDyk Mortgage is your source for VA Loans and FHA Loans in Washington. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Washington Homebuyers and Washington 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
Washington FHA Loans are available up to $667,000 with just 3.5% down payment in high cost counties. The FHA 2018 Loan Limit for Washington is up to $667,000 in King, Snohomish, and Pierce Counties. Washington FHA Loans that are over $453K up to $667,000 are called FHA Jumbo or FHA High Balance loans.
Washington VA Loans are available up to $667,000 with zero down payment in many parts of the Seattle/Tacoma/Everett area, and up to $453k in the rest of the state. The Washington VA Loan Limit in 2018 is up to $667,000 for King, Snohomish, and Pierce counties. However, Veterans are not limited to their specific county VA loan limit in Washington 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 an article on how you can get a VanDyk Mortgage VA Loan over your county limit.
Washington Conforming Loans are available up to $667,000. The Washington Conforming Jumbo Loans (aka Conforming High Balance, those over $453,100 and up to $667,000) require a minimum of 5% down payment or equity. Our Conforming loans up to $453K loan amounts require just 3% down payment.
Washington Home Loan information
FHA Home loans in Washington:
- FHA Home Loans require just 3.5% downpayment
- FHA Jumbo Loans up to $667,000 (aka FHA High Balance)
- The Seller can pay up to 6% 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.
- We offer FHA 203K Rehab and FHA 203K Streamline Rehab loans
VA Home Loans in Washington:
- Active Duty Military and Veterans can both qualify
- 100% financing up to $667,000 in the Seattle Area, $453K for the rest of the State
- A $700k Seattle, Washington VA Home Purchase would only require $8,250 down payment (1.2%) – not including the VA Funding Fee
- 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
Conforming Home Loans in Washington:
- Available up to $667,000 with the Conforming High Balance (aka conforming Jumbo)
- Conforming Jumbo loans require a minimum of 5% down payment or up to 95% LTV
- Washington Conforming loans available up to $453,100
- Conforming loans up to $453K require just 5% down payment – up to 95% LTV
- 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 866-900-2342 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans. We serve the following areas for VA, FHA and Conventional loans: Washington, California,Southern California, California, San Diego, San Jose, San Francisco, Santa Monica, Pasadena, Long beach, Los Angeles, We proudly serve the following Cities in Washington: Aberdeen, Anacortes, Auburn, Bellevue, Bellingham, Bothell, Bremerton, Des Moines, Edmonds, Ellensburg, Everett, Federal Way, Gig Harbor, Issaquah, Kennewick, Kent, Kirkland, Lacey, Lynnwood, Marysville, Mount Vernon, Mukilteo, Oak Harbor, Olympia, Pasco, Puyallup, Redmond, Richland, Seattle, Snohomish, Shoreline, Silverdale, Spokane, Spokane Valley, Tacoma, Tri-cities, Tumwater, Vancouver, Woodinville, Yakima, Yelm and all areas in between. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition toFHA 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