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

Oakland FHA Loans are available up to $625,500 with just 3.5% down payment. The FHA 2016 Loan Limit for Oakland is $625,500. Oakland FHA Loans that are over $417K up to $625,500 are called FHA Jumbo or FHA High Balance loans.

Oakland VA Loans are available up to $625,500 with zero down payment. The Oakland VA Loan Limit in 2016 is $625,500.  However, Veterans are not limited to the Oakland VA Loan limit 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.

Oakland Conforming Loans are available up to $625,500. The Oakland Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $625,500) require a minimum of 5% down payment or equity.   Oakland Conforming loans up to $417K require just 3% down payment.

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

FHA Home loans in Oakland, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $625,500 (aka FHA High Balance)
  • The Seller can pay up to 6% of your closing and settlement costs.
  • Minimum score for most FHA Home Loans 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 available up to $625k for purchase and refinance
  • FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Oakland, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $625,500
  • A $825,500 Oakland Home Purchase would require $50K down payment - 6.057%
  • 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 Condominium Loans available up to $625k for purchase and refinance

Conforming Home Loans in Oakland, California:

  • Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
  • High Balance Conforming loans are available as little as 5% down, up to 95% LTV..
  • Oakland Conforming loans available up to $417,000
  • require a minimum of 3% down payment or up to 97% LTV
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, down payment requirements, etc

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 866-900-2342 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 Francisco, Oceanside, Vista, Escondido, Los Angeles, Rancho Bernardo, Poway, San Marcos, San Diego, San Francisco, Bay Area, Ventura, Riverside, San Bernardino, Santa Barbara, Carmel, Monterey, 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.

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