Contra Costa VA Loans, FHA Home Mortgage Loans, and Conventional Home Loans - VanDyk Mortgage - VA Lender & FHA Lender.  

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

VanDyk Mortgage offers mortgage loans for: 

  • Purchase
  • Refinance
  • Home Equity
  • Reverse Mortgage for Seniors

VanDyk Mortgage offers a full spectrum of Residential Mortgage loans including:

  • VA, FHA, and USDA government backed loans
  • Fannie Mae & Freddie Mac conventional loans (FNMA & FHLMC)
  • VA Loans & VA Jumbo Loans – VA Loan amounts up to $2m.  No down payment required for qualified Veterans with full entitlement available. 
  • VA Loans & VA Jumbo Loans - Loan amounts up to $2m (may require equity/down if your entitlement is currently utilized.
  • FHA Loans for purchase and refinance
  • FHA Jumbo Loans in high-cost counties
  • Down Payment Assistance
  • First Time Homebuyer Loans
  • Jumbo Loans - up to $3m (loans over $726,200)
  • Super Jumbo Loans - up to $10M
  • Piggyback/ Combo loans - allows you to exceed $726K without Jumbo financing
  • Reverse Mortgages

Contra Costa FHA Loans are available up to $1,089,300 with just 3.5% down payment. The FHA 2023 Loan Limit for Contra Costa is $1,089,300.  Contra Costa FHA Loans that are over $726K up to $1,089,300 are called FHA Jumbo or FHA High Balance loans.

Contra Costa VA Loans are available up to $2m with zero down payment for qualified Veterans with full VA Entitlement available.  The Contra Costa VA Loan Limit in 2023 is now $1,089,300.  However, Veterans are not limited to the Contra Costa VA Loan limit for our VA Jumbo Loans.   For Veterans with full VA Entitlement available, the Contra Costa County VA Loan Limit does not apply to you.   We offer zero down VA loans up to $2m for these Vets.  We also offer VA Jumbo Loans that exceed the $1,089,300 Contra Costa County VA Loan Limit for Veterans with a partial charge against their VA Entitlement (usually an existing VA loan).  These are also available up to $2m, however a down payment or equity will be necessary 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 Conforming Loans are available up to $1,089,300 for 2023. The Contra Costa Conforming Jumbo Loans (aka Conforming High Balance, those over $726,200 and up to $1,089,300) require a minimum of 5% down payment or equity.  Contra Costa Conforming loans up to $726K require just 3% down payment for qualified buyers.  The $1,089,300 Contra Costa County Conventional loan limit applies to Single Family Homes, Condos, PUDs, townhomes, etc.

Contra Costa Jumbo Loans for Purchase and Refinance to $3m.   We offer Contra Costa Jumbo Loans for home purchase with a minimum of 5% down as well as Jumbo Cash out refinances.   We also offer bank statement Jumbo loans for Self-employed borrowers up to $2M with just 10% down payment.

>> Get Started on your Pre-Approval Here or call 760-752-4480 to get started

Contra Costa Home Loan information

FHA Home loans in Contra Costa, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $1,089,300 (aka FHA High Balance)
  • The $1,089,300 figure is the base loan amount - the 2023 Contra Costa FHA Loan Limit of $1,089,300 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 a FHA Home Loan is just 580, and also 580 on FHA High balance or FHA Jumbo.
  • You can receive a gift of funds for your down payment and closing costs from Family
  • FHA Loans can be used during a Chapter 13 Bankruptcy for both purchase and cash out refinance (refinance your way out of Bankruptcy)
  • FHA Loans allow non-occupying co-borrowers such as parents and siblings.
  • FHA Loans for 2-4 unit properties
  • Down Payment Assistance and Grant Programs available for qualified borrowers

VA Home Loans in Contra Costa, California:

  • Active-Duty Military and Veterans can both qualify
  • 100% financing up to $2m for Veterans with full VA entitlement available
  • Veterans with partial VA Entitlement available can qualify for a VA Loan up to $2m with a down payment or home equity.   Call us to help calculate your options.
  • VA Loans require NO Mortgage Insurance
  • VA & VA Jumbo Loans available as soon as 2 years after foreclosure or bankruptcy
  • Minimum Fico just 580 for VA, VA Jumbo and VA Manual Underwrite
  • 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
  • Down Payment Assistance and Grant Programs available for qualified borrowers
  • VA Loans can be used during a Chapter 13 Bankruptcy for both purchase and cash out refinance (refinance your way out of Bankruptcy)
  • Veterans can use VA and VA Jumbo Loans to purchase owner occupied 2-3-4 unit homes.  Live in 1 unit and rent out the rest.   No Rental experience required.

Conventional Conforming Home Loans in Contra Costa, California:

  • Available up to $1,089,300 with the Conforming High Balance (aka conforming Jumbo)
  • Contra Costa Conforming High Balance Loans require just 5% down, up to 95% LTV.
  • Contra Costa Conforming loans available up to $726,200
  • require a minimum of 3% down payment or up to 97% LTV for qualified buyers up to $726,200. 
  • Allow for condominiums, Second Homes, and investment properties
  • Down Payment Assistance and Grant Programs available for qualified borrowers
  • Call for details on Fico score requirements, down payment requirements, etc

Jumbo Home Loans in Contra Costa, California:

  • Contra Costa Jumbo Loans available up to $3M
  • Require a minimum of 5% down payment or up to 95% LTV up to $1.5m
  • 10% down Jumbo Loans up to $3m for purchase and refinance
  • Jumbo Cash Out Refinance available up to $3M
  • Super Jumbo Loans available to $10m.
  • 2-4 unit financing up to $2.5m with just 10% down
  • Allow for condominiums, Second Homes, Duplex, Triplex and fourplex, and investment properties
  • Bank Statement Loans for Self Employed borrowers

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. 

Give us a call at 760-752-4480 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 at www.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, San Diego,   Oceanside, San Marcos,   Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Coronado, Los Angeles, Long Beach, Santa Monica, Seal Beach, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Lake Elsinore, Wildomar, 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) 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, 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.  

Ready to get started on your new loan?  Have a Question for the Loan Pros?

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>>  Call or Text at 760-752-4480

>>  Email bskaar@vandykmortgage.com

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