Pasadena VA Loans and FHA Home Mortgage Loans - VanDyk Mortgage - California VA Lender & FHA Lender.
VanDyk Mortgage is your source for VA Loans and FHA Loans in Pasadena. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Pasadena Homebuyers and Pasadena 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
Pasadena FHA Loans are available up to $726,525 with just 3.5% down payment. The FHA 2019 Loan Limit for Los Angeles County is $726,525. Pasadena FHA Loans that are over $484k up to $726,525 are called FHA Jumbo or FHA High Balance loans.
Pasadena VA Loans are available up to $726,525 with zero down payment. The Pasadena VA Loan Limit in 2019 is $726,525. However, Veterans are not limited to the Los Angeles County VA Loan limit of $726k for Pasadena VA Jumbo Loans. We 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.
Pasadena Conforming Loans are available up to $726,525. The Los Angeles county Conforming Jumbo Loans (aka Conforming High Balance, those over $484,350 and up to $726,525) require a minimum of 10% down payment or equity. Conforming loans in Pasadena up to $484k require just 3% down payment.
Call us today to get started - 866-900-2342 Toll Free, or online here: Get Pre-Approved Now.Pasadena Home Loan information
FHA Home loans in Pasadena, 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 Pasadena 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, and 640 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 Pasadena, California:
- Active Duty Military and Veterans can both qualify
- 100% financing up to $726k
- A $750k Pasadena VA Home Purchase would only require $17,588 down payment - 2.35%
- 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 and VA Jumbo Loans for VA Approved Condo purchase and refinance
Conforming Home Loans in Pasadena, California:
- Pasadena Conforming Jumbo Loans are available up to $726,525 with the Conforming High Balance (aka conforming Jumbo)
- Pasadena Conforming Jumbo loans require a minimum of 5% down payment or up to 95% LTV
- Pasadena Conforming loans available up to $484,350
- Conforming loans up to $484k require just 3% down payment - up to 97% LTV
- Allow for condominiums, Second Homes, and investment properties
- Call for details on Fico score requirements, down payment requirements, etc
We offer Jumbo Conventional Loans up to $3m - call for details.** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.
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. Call Brian Skaar at 866-900-2342 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,Southern California, Los Angeles, San Diego, San Jose, San Francisco, Santa Monica, Pasadena, Brea, Diamond, Long beach, Huntington beach, Irvine, Costa Mesa, Hollywood, North Hollywood, San Mateo, ventura, Riverside, Oakland, Fremont, Sunnyvale, Santa maria, Oceanside, Vista, Escondido, Los Angeles, Rancho Bernardo, Poway, San Marcos, Carmel, Monterey, Santa Barbara, Santa Cruz, and all areas in between. 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) specializing in 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.
Call us today to get started - 866-900-2342 Toll Free, or online here: Get Pre-Approved Now.