2024 Oceanside Home Loan information

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

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 Jumbo = VA High Balance Loans
  • 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
  • FHA Jumbo = FHA High Balance Loans
  • Down Payment Assistance
  • First Time Homebuyer Loans
  • Jumbo Loans - up to $3m (loans over $766,550)
  • Super Jumbo Loans - up to $10M
  • Piggyback/ Combo loans - allows you to exceed $726K without Jumbo financing
  • Reverse Mortgages

Oceanside FHA Loans are available up to $1,006,250 with just 3.5% down payment. The FHA 2024 Loan Limit for Oceanside is $1,006,250 .  Oceanside FHA Loans that are over $766K up to $1,006,250 are called FHA Jumbo or FHA High Balance loans.

Oceanside VA Loans are available up to $2m with zero down payment for qualified Veterans with full VA Entitlement available.  (IE – there is not really a VA Loan Limit for Veterans with Full VA entitlement available anymore). The Oceanside VA Loan Limit in 2024 is now $1,006,250.  However, Veterans are No Longer limited to the Oceanside VA Loan Limit for our VA Jumbo Loans.   For Veterans with full VA Entitlement available, the San Diego 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 $1,006,250 San Diego 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.

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I have specialized in VA Loans and VA Jumbo Loans since 2008.   It is my honor to assist Veterans and Active Duty Military utilize their VA Home Loan Benefit.  ~ Brian Skaar, Branch Manager, VanDyk Mortgage. 

Oceanside Conforming Loans are available up to $1,006,250 for 2024. The Oceanside Conforming Jumbo Loans (aka Conforming High Balance, those over $766,550 and up to $1,006,250) require a minimum of 5% down payment or equity.  Oceanside Conforming loans up to $766K require just 3% down payment for qualified buyers.  The $1,006,250 San Diego County Conventional loan limit applies to Single Family Homes, Condos, PUDs, Manufactured Homes, townhomes, etc.

Oceanside Jumbo Loans for Purchase and Refinance to $3m.   We offer Oceanside 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.

 Oceanside is located at the southern most point in California.  Oceanside, California has many miles of Pacific Ocean beaches and enjoys near perfect Weather year round.  

Call us today to get started - 866-900-2342 Toll Free, Call/Text 760-752-4480 or online here:  Get Pre-Approved Now. 

Oceanside Home Loan information

FHA Home loans in Oceanside, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $1,006,250 (aka FHA High Balance)
  • The $1,006,250 is the base loan amount - the 2024 Oceanside FHA Loan Limit of $1,006,250 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 500, 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.
  • Down Payment Assistance and Grant Programs available for qualified borrowers
  • FHA Loans can be used during a Chapter 13 Bankruptcy for both purchase and cash out refinance (refinance your way out of Bankruptcy)
  • ADU Rents can help you qualify
  • FHA down payment assistance loans and grants now available. 
  • FHA Loans for 2-4 unit properties, Manufactured Homes, Condo, PUD, etc OK
  • Zero Down Payment Financing for Single Family Homes available
  • Zero Down Payment Financing for Condominiums available
  • Zero Down Payment Financing for Manufactured Homes available
  • Zero Down Financing for Duplexes Available

Conforming Home Loans in Oceanside, California:

  • Available up to $1,006,250 with the Conforming High Balance (aka conforming Jumbo)
  • Oceanside Conforming High Balance Loans require just 5% down, up to 95% LTV.
  • Oceanside Conforming loans available up to $766,550
  • require a minimum of 3% down payment or up to 97% LTV for qualified buyers up to $766,550. 
  • Allow for condominiums, Second Homes, and investment properties
  • Down Payment Assistance and Grant Programs available for qualified borrowers
  • 2-4 unit Owner Occupied Homes require just 5% down – Great way to get started!
  • Call for details on Fico score requirements, down payment requirements, etc

Jumbo Home Loans in Oceanside, California: 

  • Oceanside Jumbo Loans available up to $3M loan amounts
  • 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
  • DSCR – Debt Service Coverage Ratio Loans -great for Investors – qualify on the rent only
  • Bank Statement Loans for Self Employed borrowers
  • Call for details on Fico score requirements, down payment requirements, etc

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, Rancho Bernardo, Poway, Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, 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, 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

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

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