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

Sacramento FHA Loans are available up to $474,950 with just 3.5% down payment. The FHA 2016 Loan Limit for Sacramento is $474,750.  Sacramento FHA Loans that are over $417K up to $474,950 are called FHA Jumbo or FHA High Balance loans.

Sacramento  VA Loans are available up to $474,950 with NO down payment required. The Sacramento VA Loan Limit in 2016 is $474,950.   However, Veterans are not limited to the Sacramento Loan limit of $474,950 for VA Jumbo Loans.  We 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.

Sacramento Conforming Loans are available up to $474,950. The Sacramento Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $474,950) require a minimum of 5% down payment or equity.  Sacramento Conforming loans up to $417K require just 3% down payment.

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

 

Sacramento Home Loan information

FHA Home loans in Sacramento, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $474,950 (aka FHA High Balance)
  • The Seller can pay up to 3% 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 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.
  • We offer FHA 203K rehabilitation Loans to rehab your new property, or current home.

VA Home Loans in Sacramento, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $474,950
  • A $575K Sacramento Home Purchase would only require $25,013 down payment - 4.35% down - not including the VA Funding Fee
  • A $675K Sacramento Home purchase would require just $50,013 down payment - 7.09% down. 
  • 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 Sacramento, California:

  • Sacramento Conforming loans available up to $474,950
  • Conforming loan available with 3% down payment on loan amounts up to $417,000
  • Available up to $474,950 with the Conforming High Balance (aka conforming Jumbo)
  • Allow for condominiums, Second Homes, and investment properties
  • Financing available for 2, 3 or 4-unit properties
  • Call for details on Fico score requirements, down payment requirements, etc

>>> 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 atwww.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, Sacramento, Elk Grove, Citrus Heights, Galt, Folsom, 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 atwww.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.


 

Contact a Loan Pro here:

Enter your information below to get in contact and start your Loan Application, or to help answer any questions you may have. We are also available via phone at 866-900-2342 toll free.

The Basics - Contact us here