Oceanside 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 Oceanside. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender.We offer many loan programs for Oceanside Homebuyers and Oceanside Homeowners to Purchase and refinance homes in Oceanside.
  • FHA & FHA Jumbo (aka FHA High Balance)
  • VA & VA Jumbo (aka VA High Balance)
  • Conforming & Conforming Jumbo (aka High Balance or Super Conforming)
  • Jumbo Loans to $2m

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

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

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

Oceanside is located in North County San Diego in California. As the name implies, it has several miles of Pacific Ocean beaches, and is located just north of Carlsbad and Camp Pendleton is just to the North, and borders Vista on the east side.

Oceanside Home Loan information

FHA Home loans in Oceanside, 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 max base loan amount - the Oceanside 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 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 for FHA approved associations with just 3.5% down
  • FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Oceanside, California:

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

  • Available up to $580,750 with the Conforming High Balance (aka conforming Jumbo)
  • Conforming High Balance loans require just 5% down (up to 95% LTV)
  • Oceanside Conforming loans available up to $417,000
  • require a minimum of 3% down payment or up to 97% LTV up to $417K
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, down payment requirements, etc

Oceanside Zip codes include 92049, 92051, 92052, 92054, 92056, 92057, 92058. Oceanside 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. Visit us on the web at www.vandykfunding.com

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, Oceanside, San Marcos, Carlsbad, 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.

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


 

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