Spokane WA - VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - Washington VA Lender & FHA Lender serving Spokane

VanDyk Mortgage is your source for VA Loans and FHA Loans in Spokane. We have been making FHA, VA, Conforming, and Jumbo loans since 1987.  VanDyk Mortgage is a Direct Lender.  We offer many loan programs for Spokane Homebuyers and Spokane area Homeowners to Purchase and refinance homes..

  • FHA Loans for Purchase and refinance
  • VA & VA Jumbo (aka High Balance) for Purchase and refinance
  • Conforming Loans for Loans for Purchase and refinance
  • Jumbo Loans to $2m

Spokane FHA Loans are available up to $271,050 with just 3.5% down payment. The FHA 2016 Loan Limit for Spokane is $271,050.

VA Loans are available in Spokane up to $417,000 with zero down payment. The Spokane VA Loan Limit in 2016 is $417,000.   However, Veterans are not limited to the Spokane County Loan limit of $417,000 for VA Loans with VanDyk Mortgage.   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 VA Mortgage VA Loan over your county limit.

Spokane Conforming Loans are available up to $417,000.  The Spokane Conforming purchase or refinance loans are available with a minimum of 3% down payment or equity.


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

 

Spokane Home Loan information

FHA Home loans in Spokane, Washington:

  • FHA Home Loans require just 3.5% down payment
  • FHA Home Loans for Refinance available up to 97.75% Loan to Value
  • Spokane FHA Loans available up to $271,050 
  • The $271,050 is the base loan amount - the Spokane FHA Loan Limit of $271,050 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
  • This would allow you to purchase up to a $280K home in Spokane with 3.5% down.
  • The Seller can pay up to 3% of your closing and settlement costs.
  • Minimum score for a FHA Home Loan 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 Spokane, Washington:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $417,000
  • A $500k Spokane VA Home Purchase would only require $20,750 down payment (4 .15%) 
  • A $675k Spokane VA Home Purchase would only require $64,500 down payment (9.56%) 
  • ~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 Spokane, Washington:

  • Spokane Conforming loans available up to $417,000
  • For Purchase and refinance
  • require a minimum of 3% down payment or up to 97% LTV on Purchase loans
  • Up to 97% Loan to Value on Refinances
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, down payment requirements, etc

Give us a call at 866-900-2342 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 a twww.vandykfunding.com or call Brian Skaar at 866-900-2342 for help with your FHA or VA loan. We offer FHAFHA JumboVA, VA Jumbo, Conforming & Jumbo Loans. 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).

In addition to Bellevue, we service the entire state of Washington, including Spokane, Spokane Valley, Mead, Newport, Liberty Lake, Newman Lake, Airway Heights, Deerpark, Seattle, Tacoma, Everett, Puyallup, Kent, Auburn, Federal Way, Kirkland, Redmond, Woodinville, Snohomish, Marysville, Lake Stevens, Mukilteo, Lynnwood, Montlake Terrace, Edmonds, Des Moines, Renton, Issaquah, North Bend, Monroe, Olympia, Lacey, Bremerton, Tumwater, Port Orchard, and Spokane.

VanDyk Mortgage is a VA Direct Lender (since 1987) offering 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 today to get started - 866-900-2342 Toll Free,  or online here:  Get Pre-Approved Now.