Encinitas 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 Encinitas.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Encinitas Homebuyers and Encinitas Homeowners to Purchase and refinance homes in Encinitas.
  • 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

Encinitas FHA Loans are available up to $580,750 with just 3.5% down payment. The FHA 2016 Loan Limit for Encinitas is $580,750.   Encinitas FHA Loans that are over $417K up to $580,750 are called FHA Jumbo or FHA High Balance loans.

Encinitas VA Loans are available up to $580,750 with NO down payment required. The Encinitas VA Loan Limit for 2016 is $580,750.   However, Veterans are not limited to the Encinitas VA Loan limit of $580,750 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.

Encinitas Conforming Loans are available up to $580,750. The Encinitas Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $580,750) require a minimum of 5% down payment or equity.

Encinitas is located in North County San Diego in California. It has several miles of Pacific Ocean beaches, and is located just north of Solana Beach and Carlsbad is just to the North, and borders Rancho Santa Fe on the east side.

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


FHA Home loans in Encinitas, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $580,750 (aka FHA High Balance)
  • The Seller can pay up to 6% of your closing and settlement costs.
  • Minimum score for a FHA Home Loan is just 620, and 640 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 in Encinitas available up to full $580,750 for FHA Approved Condo's
  • FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Encinitas, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $580,750
  • A $680,750 Encinitas Home Purchase would only require $25k down payment  - 3.672% down
  • A $850K Encinitas Home purchase would require just $67,313 down - 7.919%
  • 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 Encinitas, California:

  • Available up to $580,750 with the Conforming High Balance (aka conforming Jumbo)
  • Encinitas Conforming loans available up to $417,000
  • Allow a minimum of 5% down payment or up to 95% LTV up to $580K
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, down payment requirements, etc

** Now available - 80/10 piggyback loans - avoid Jumbo Financing and put just 10% down - up to $750K total.  
Encinitas Zip codes include 92024.   Encinitas Area codes include the 760 area code and 442 area code.  Encinitas borders Carlsbad to the North, and San Diego to the south.  Encinitas enjoys beautiful beaches, and is a surfing mecca much like Coronado to the south.


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


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 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: California,Southern California, San Diego, Encinitas, 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. Visit us at www.vandykfunding.com to get started or just find out more