Contra Costa VA Loans and FHA Home Mortgage Loan info for 2018 - California VA Lender & FHA Lender  

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

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

Contra Costa County  VA Loans are available up to $679,650 with zero down payment. The  VA Loan Limit for 2018 is now $679,650.  However, Veterans are not limited to the Contra Costa county 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.

Contra Costa County Conforming Loans are available up to $679,650. The  Contra Costa County 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.   Conforming loans up to $453k require just 3% down.

Contra Costa County  Home Loan information 

FHA Home loans for Contra Costa County, 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  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 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 down payment and closing costs from Family
  • FHA Condominium Loans available up to $679k for purchase and Refinance
  • FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans for Contra Costa County, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $679,650
  • 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 for Contra Costa County, California:

 

  • Available up to $679,650 with the Conforming High Balance (aka conforming Jumbo)
  •  Conforming loans available up to $453,100
  • Just 3% down payment required up to $453k
  • Now available – NO Monthly PMI Loans up to $453k with 5% down payment
  • Conforming Jumbo Loans over $453k require a minimum of 5% down payment or up to 95% LTV
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, down payment requirements, etc

 

Here are some of the Contra Costa County Communities we serve:

 

                  West Contra Costa County

                Incorporated Cities

  • El Cerrito
  • Hercules
  • Pinole
  • Richmond
  • San Pablo

 

West Contra Costa County

         Unincorporated places

  • Bayview-Montalvin
  • Crockett
  • East Richmond Heights
  • El Sobrante
  • Hasford Heights
  • Kensington
  • North Richmond
  • Port Costa
  • Rodeo
  • Rollingwood
  • Tara Hill

Central Contra Costa County

                Incorporated cities

  • Clayton
  • Concord
  • Danville
  • Lafayette
  • Martinez
  • Moraga
  • Orinda
  • Pleasant Hill
  • San Ramon
  • Walnut Creek

Central Contra Costa County

                 Unincorporated places

  • Alamo
  • Blackhawk
  • Camino Tassajara
  • Canyon
  • Clyde
  • Contra Costa Centre
  • Diablo
  • Mountain View
  • Pacheco
  • Vine Hill

 

            East Contra Costa County

                  Incorporated cities

  • Antioch
  • Brentwood
  • Oakley
  • Pittsburg

             East Contra Costa County                   

                   Unincorporated places

  • Bay Point
  • Bethel Island
  • Byron
  • Discovery Bay
  • Knightsen

 

We offer Jumbo Conventional Loans up to $3m - call for details.   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.

Call us today to get started - 866-900-2342 Toll Free,  or online here:  Get Pre-Approved Now.


 

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