El Cajon VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - VA Lender & FHA Lender. 

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

El Cajon FHA Loans are available up to $649,750 with just 3.5% down payment. The FHA 2018 Loan Limit for El Cajon is $649,750.   El Cajon FHA Loans that ar‚Äče over $453K up to $649,750 are called FHA Jumbo or FHA High Balance loans.

El Cajon VA Loans are available up to $649,750 with zero down payment. The El Cajon VA Loan Limit in 2018 is $649,750. However, Veterans are not limited to the El Cajon Loan limit of $649,750 for VA Jumbo Loans. We also offer VA Jumbo Loans well over $1m, all the way 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.

El Cajon Conforming Loans are available up to $649,750. The El Cajon Conforming Jumbo Loans

(aka Conforming High Balance, those over $453,100 and up to $649,750) require a minimum of 5% down payment or equity.

El Cajon is located in San Diego County in California.  It is just a few miles to Pacific Ocean beaches, and borders La Mesa, San Diego, and Santee, 

Get Started on your Pre-Approval Here or call 760-752-4480 to get started
El Cajon Home Loan information

FHA Home loans in El Cajon, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $649,750 (aka FHA High Balance)
  • $649,750 is the base loan amount - the El Cajon FHA Loan Limit of $649,750 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 a FHA Home Loan is just 580, and 580 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 require just 3.5% down
  • FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in El Cajon, California:

  • Active Duty Military and Veterans can both qualify
  • 100% VA financing up to $649,750
  • A $850K El Cajon Home Purchase would only require $25,063 down payment - 5.89%
  • 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
  • Veterans can purchase 2, 3 or 4 unit properties as long as you occupy one unit - no prior landlord experience required

Conforming Home Loans in El Cajon, California:

  • Available up to $649,750 with the Conforming High Balance (aka conforming Jumbo)
  • El Cajon Conforming loans available up to $453,100
  • Require just a minimum of 3% down payment or up to 97% LTV up to $453K
  • Require just a minimum of 5% down payment or up to 95% LTV up to $649K
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, down payment requirements, etc

Get Started on your Pre-Approval Here or call 760-752-4480 to get started

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 760-752-4480 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 Diego, El Cajon, San Marcos,  Oceanside,  Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. 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 Direct Lender (since 1987) specializing in VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Direct Lender specializing in Government loans, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie Direct Lender specializing in 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.  

Get Started on your Pre-Approval Here or call 760-752-4480 to get started

 

 

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