Escondido 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 Escondido.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Escondido Homebuyers and Escondido 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 $2m

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

Escondido VA Loans are available up to $580,750 with zero down payment.   The Escondido VA Loan Limit in 2016 is $580,750. However, Veterans are not limited to the Escondido VA Loan limit of $580,750 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.

Escondido Conforming Loans are available up to $580,750. The Escondido 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.   Conforming Loans up to $417K require just 3% down payment.

>>>> GET STARTED HERE ON YOUR HOME LOAN <<<<

FHA Home loans in Escondido, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $580,750 (aka FHA High Balance)
  • The $580,750 is the base loan amount - the Escondido FHA Loan Limit of $580,750 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 600,  FHA High balance or FHA Jumbo.as low as 640.
  • You can receive a gift of funds for your Down payment 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.

VA Home Loans in Escondido, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $580,750
  • A $680,750 Escondido VA Home Purchase would only require $25k down payment  - 3.672% 
  • 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 Escondido, California:

  • Available up to $580,750 with the Conforming High Balance (aka conforming Jumbo)
  • Escondido Conforming loans available up to $417,000
  • Conforming Loans require a minimum of 3% down payment or up to 97% LTV up to $417K
  • Conforming High Balance Loans require 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

Escondido Zip codes include 92025, 92026,92027, and 92029.   Escondido Area codes include the 760 area code and 442 area code.

Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for you.

>>>> GET STARTED HERE ON YOUR HOME LOAN <<<<

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 DiegoSan MarcosOceanside, Fallbrook, Bonsall, San Diego, Rancho Bernardo,Escondido, 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.  We also service San Francisco, San Jose, Los Angeles, and all parts of California & Washington.  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 HERE ON YOUR HOME LOAN <<<<