Contra Costa VA Loans and FHA Home Mortgage Loan info for 2019 - California VA Lender & FHA Lender
VanDyk Mortgage is your source for VA Loans and FHA Loans in . We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Homebuyers and 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 $3m
Contra Costa County FHA Loans are available up to $726,525 with just 3.5% down payment. The FHA 2019 Loan Limit for is $726,525. FHA Loans that are over $484k up to $726,525 are called FHA Jumbo or FHA High Balance loans.
Contra Costa County VA Loans are available up to $726,525 with zero down payment. The VA Loan Limit for 2019 is now $726,525. However, Veterans are not limited to the Contra Costa county VA Loan limit of $726,525 for VA 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.
Contra Costa County Conforming Loans are available up to $726,525. The Contra Costa County Conforming Jumbo Loans (aka Conforming High Balance, those over $484,350 and up to $726,525) require a minimum of 5% down payment or equity. Conforming loans up to $484k require just 3% down.
Contra Costa County Home Loan information
FHA Home loans for Contra Costa County, California:
- FHA Home Loans require just 3.5% down payment
- FHA Jumbo Loans up to $726,525 (aka FHA High Balance)
- The $726,525 is the base loan amount - the FHA Loan Limit of $726,525 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 580, 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 Loans available up to $726k for purchase and Refinance
- FHA Loans allow non-occupying co-borrowers such as parents and siblings.
VA Home Loans for Contra Costa County, California:
- Active Duty Military and Veterans can both qualify
- 100% financing up to $726,525
- 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
- VA Loans are available to purchase or refinance Condominiums. Here is more information on VA Condo Loans
Conforming Home Loans for Contra Costa County, California:
- Available up to $726,525 with the Conforming High Balance (aka conforming Jumbo)
- Conforming loans available up to $484,350
- Just 3% down payment required up to $484k
- Now available – NO Monthly PMI Loans up to $484k with 5% down payment
- Conforming Jumbo Loans over $484k require a minimum of 5% down payment or up to 95% LTV
- Allow for condominiums, Second Homes, and investment properties
- Call for details on Fico score requirements, down payment requirements, etc
Here are some of the Contra Costa County Communities we serve:
West Contra Costa County
Incorporated Cities
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El Cerrito
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Hercules
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Pinole
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Richmond
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San Pablo
West Contra Costa County
Unincorporated places
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Bayview-Montalvin
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Crockett
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East Richmond Heights
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El Sobrante
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Hasford Heights
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Kensington
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North Richmond
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Port Costa
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Rodeo
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Rollingwood
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Tara Hill
Central Contra Costa County
Incorporated cities
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Clayton
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Concord
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Danville
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Lafayette
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Martinez
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Moraga
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Orinda
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Pleasant Hill
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San Ramon
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Walnut Creek
Central Contra Costa County
Unincorporated places
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Alamo
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Blackhawk
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Camino Tassajara
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Canyon
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Clyde
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Contra Costa Centre
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Diablo
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Mountain View
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Pacheco
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Vine Hill
East Contra Costa County
Incorporated cities
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Antioch
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Brentwood
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Oakley
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Pittsburg
East Contra Costa County
Unincorporated places
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Bay Point
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Bethel Island
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Byron
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Discovery Bay
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Knightsen
We offer Jumbo Conventional Loans up to $3m - 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.
Call us today to get started - 866-900-2342 Toll Free, or online here: Get Pre-Approved Now.