California VA Loan Info

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

California VA Loans are available up to $2 million with Zero down payment required for qualified Veterans with full VA Entitlement available.   We also offer VA Jumbo Loans up to $2M for Veterans with partial VA Entitlement with a corresponding down payment.  We lend across the entire state including Bay Area Counties, Alameda, San Francisco, San Mateo, Contra Costa, & Marin, as well as Los Angeles and Orange county.    San Diego Vets are OK up to $2M VA Jumbo Loans.  Santa Barbara, Santa Clara, Ventura and Santa Cruz Vets are eligible for 100% VA Loans up to $2m (with full VA Loan Entitlement)

We do not limit Veterans to the County Loan limits for VA Jumbo Loans.  Veterans with full VA Entitlement are eligible up to $2m with no down payment required.  Veterans with a partial charge against VA Entitlement are eligible up to $2m with a corresponding down payment. We are able to use a down payment for a percentage of the amount that exceeds your combination of VA Entitlement available and county VA loan limit.    Call for details.

We offer VA Jumbo Loans up to $2.0 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.

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

VA Home Loan Info for California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing available for most Veterans
  • VA loan amounts up to $2m available
  • VA & VA Jumbo Loans available as soon as 2 years after foreclosure or bankruptcy
  • Minimum Fico just 500 for VA, 580 for VA Jumbo and VA Manual Underwrite
  • VA Manual Underwrite VA Jumbo loan sizes
  • 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).   Our Maximum VA Loan amount for 2-4 unit homes is $2m.

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.

Get started on your VA Loan online,  or call 866-900-2342 to get started