Fallbrook 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 Fallbrook.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Fallbrook Homebuyers and Fallbrook 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)
  • USDA RD Loans - zero down financing
  • Jumbo Loans to $2m

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

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

Fallbrook Conforming Loans are available up to $580,750. The Fallbrook 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.

Fallbrook USDA RD Loans are available up to $417,000.    Fallbrook USDA RD loans require zero down payment for qualified borrowers.   Please see details on this program here: Fallbrook USDA RD Loan Info.

FHA Home loans in Fallbrook, 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 Fallbrook 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 Fallbrook, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $580,750
  • A $650K Fallbrook VA Home Purchase would only require $17,313 down payment  - 2.663% 
  • 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 Fallbrook, California:

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

USDA RD Home Loans in Fallbrook, California

  • Available up to $417,000
  • Require zero down payment
  • Max household income $95,000 for families up to 4 persons
  • Property must be in USDA Eligible area
  • Credit scores as low as 640 can qualify
  • Call for details on Income qualification, property eligibility, etc. 

 

  >>> More Fallbrook USDA RD Loan Info <<<

Jumbo Home Loans in Fallbrook, California
  • 85% financing up to $1.5M loan amounts
  • As little as 6 months PITI Reserves required up to $1m
  • Owner Occupied, Second Home, and Investment properties
  • Piggyback 90% financing available up to $1.25M

 


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 ON YOUR HOME LOAN HERE <<<<

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,  San Marcos,  Oceanside, Fallbrook, Bonsall, San Diego, Rancho Bernardo,FallbrookEncinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, TemeculaMurrieta, and Valley Center.  We also service San Francisco,San JoseLos 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.  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 HOME LOAN HERE <<<<