San Francisco VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender.

VanDyk Mortgage is your source for VA Loans and FHA Loans in San Francisco. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for San Francisco Homebuyers and San Francisco 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

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

San Francisco VA Loans are available up to $625,500 with zero down payment.  The San Francisco VA Loan Limit in 2016 is $625,500. However, Veterans are not limited to the San Francisco Loan limit of $625K for VanDyk VA Jumbo Loans. We also offer VA Jumbo Loans over 625K,  Va Loans over $1m, 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.

San Francisco Conforming Loans are available up to $625,500. The San Francisco 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.   San Francisco Conforming loans up to $417K require just 3% down.

San Francisco is located in Northern California.   It is the heart and soul of the San Francisco Bay Area.  Sharing a long history in the discovery, settlement, and development of California. 

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

FHA Home loans in San Francisco, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $625,500 (aka FHA High Balance)
  • The $625,500 is the base loan amount - the San Francisco FHA Loan Limit of $625,500 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 most FHA Home Loans is just 620, even 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.

VA Home Loans in San Francisco, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $625,500
  • An $825,500 San Francisco Home Purchase would require just $50k down payment - 6.057%
  • A $1,250,000 SF Home Purchase with a VA Loan would require $156,125 down - 12.49%
  • VA Loans require no Mortgage Insurance
  • VA and VA Jumbo Loans available as soon as 24 months after Foreclosure
  • VA and VA Jumbo Loans available as soon as 24 months after Bankruptcy
  • VA and VA Jumbo Loans available as soon as 24 months after Short Sale (even sooner if not late on Mortgage prior to sale)
  • 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 San Francisco, California:

  • Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
  • San Francisco Conforming High Balance loans require just 5% down- up to 95% LTV
  • San Francisco 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

We offer Jumbo Conventional Loans up to $2m - call for details.

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, San Diego, San Jose, LOs Angeles, ventura, Riverside, Oakland, Fremont, Sunnyvale, San Mateo,  Oceanside, Vista, Escondido, Los Angeles,  Rancho Bernardo, Poway, San Marcos, Carmel, Monterey, Santa Barbara, Santa Cruz, and all areas in between.   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.