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.

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

• El Cerrito
• Hercules
• Pinole
• Richmond
• San Pablo

West Contra Costa County

         Unincorporated places

• Bayview-Montalvin
• Crockett
• East Richmond Heights
• El Sobrante
• Hasford Heights
• Kensington
• North Richmond
• Port Costa
• Rodeo
• Rollingwood
• Tara Hill

Central Contra Costa County

                Incorporated cities

• Clayton
• Concord
• Danville
• Lafayette
• Martinez
• Moraga
• Orinda
• Pleasant Hill
• San Ramon
• Walnut Creek