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

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

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

San Jose is located in Northern California in the San Francisco Bay Area.   It is home to Silicon valley and is the County Seat for Santa Clara County. 

San Jose Home Loan information

FHA Home loans in San Jose, 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 Jose 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 Jose, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $625,500
  • A $825,500 San Jose Home Purchase would require just $50k down payment  - 6.057%
  • VA Loans require no Mortgage Insurance
  • VA Loans and VA Jumbo Loans as soon as 24 months after Foreclosure
  • VA Loans and VA Jumbo Loans as soon as 24 months after Bankruptcy
  • VA Loans and VA Jumbo Loans as soon as 24 months after Short Sale (sooner if no lates on prior Mortgage)
  • 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 Jose, California:

  • Available up to $625,500 with the Conforming High Balance (aka conforming Jumbo)
  • Conforming Jumbo loans available with as little as 5% down or up to 95% LTV
  • San Jose 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.

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

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.