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

  • 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

San Diego FHA Loans are available up to $690,000 with just 3.5% down payment. The FHA 2019 Loan Limit for San Diego is $690,000 .  San Diego FHA Loans that are over $484K up to $690,000 are called FHA Jumbo or FHA High Balance loans.

San Diego VA Loans are available up to $690,000 with zero down payment. The San Diego VA Loan Limit in 2019 is now $690,000.  However, Veterans are not limited to the San Diego VA Loan limit for our VA Jumbo Loans. We also offer VA Jumbo Loans that exceed the $690,000 San Diego county VA Loan Limit, also exceed $1m, all the way 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.

San Diego Conforming Loans are available up to $690,000. The San Diego Conforming Jumbo Loans (aka Conforming High Balance, those over $484,350 and up to $690,000) require a minimum of 5% down payment or equity.  San Diego Conforming loans up to $484K require just 3% down payment for qualified buyers.

San Diego Jumbo Loans for Purchase and Refinance to $3m.   We offer San Diego 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 $1.5M with just 10% down payment. 

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


San Diego Home Loan information

FHA Home loans in San Diego, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $690,000  (aka FHA High Balance)
  • The $690,000  is the base loan amount - the 2019 San Diego FHA Loan Limit of $690,000  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 allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in San Diego, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $690,000
  • A $750K San Diego VA Home Purchase would only require $15,000 down payment  - 2.0%
  • A $850K San Diego VA Home Purchase would only require $40,000 down payment - 4.706%
  • 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
  • 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.

Conforming Home Loans in San Diego, California:

  • Available up to $690,000 with the Conforming High Balance (aka conforming Jumbo)
  • San Diego Conforming High Balance Loans require just 5% down, up to 95% LTV.
  • San Diego Conforming loans available up to $484,350
  • require a minimum of 3% down payment or up to 97% LTV for qualified buyers up to $484,350. 
  • Allow for condominiums, Second Homes, and investment properties
  • Call for details on Fico score requirements, down payment requirements, etc
‚ÄčJumbo Home Loans in San Diego, California:
    • San Diego Jumbo loans available up to $3M
    • Require a minimum of 5% down payment or up to 95% LTV up to $1.5M
    • Jumbo Cash Out Refinance available up to $3M
    • 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.

    Go with the Government Loan Pros, go with VanDyk. Visit us at 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,Southern CaliforniaLos Angeles, San Diego, Oceanside, Encinitas, San Marcos, Carlsbad, San Jose, San Francisco, San Mateo,  Vista, Escondido, Fallbrook, Bonsall, Rancho Bernardo, Poway, Santa Barbara, Santa Cruz, Riverside, San Bernardino, Ventura, , Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, 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) 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. Visit us at to get started or just find out more

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