San Marcos 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 Marcos.  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 Marcos Homebuyers and San Marcos Homeowners to Purchase and refinance homes in San Marcos.

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 $647,200)
  • Super Jumbo Loans - up to $10M
  • Piggyback/ Combo loans - allows you to exceed $647K without Jumbo financing
  • Reverse Mortgages

San Marcos FHA Loans are available up to $879,750 with just 3.5% down payment. The FHA 2022 Loan Limit for San Marcos is $879,750 .  San Marcos FHA Loans that are over $647K up to $879,750 are called FHA Jumbo or FHA High Balance loans.

San Marcos VA Loans are available up to $2m with zero down payment for qualified Veterans with full VA Entitlement available.  The San Marcos VA Loan Limit in 2019 is now $879,750.  However, Veterans are not limited to the San Marcos 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 $879,750 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.

San Marcos Conforming Loans are available up to $879,750 for 2022. The San Marcos Conforming Jumbo Loans (aka Conforming High Balance, those over $647,200 and up to $879,750) require a minimum of 5% down payment or equity.  San Marcos Conforming loans up to $647K require just 3% down payment for qualified buyers.  The $879,750 San Diego County Conventional loan limit applies to Single Family Homes, Condos, PUDs, townhomes, etc.

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

 San Marcos is located in the North County San Diego area in California.  San Marcos, California is home to California State University San Marcos, Palomar College, University of St Katherine, and The University of Saint Augustine for Health Sciences.  

San Marcos Home Loan information

FHA Home loans in San Marcos, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $879,750 (aka FHA High Balance)
  • The $879,750 figure is the base loan amount - the 2022 San Marcos FHA Loan Limit of $879,750  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.
  • Down Payment Assistance and Grant Programs available for qualified borrowers

VA Home Loans in San Marcos, 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.

Conforming Home Loans in San Marcos, California:

  • Available up to $879,750 with the Conforming High Balance (aka conforming Jumbo)
  • San Marcos Conforming High Balance Loans require just 5% down, up to 95% LTV.
  • San Marcos Conforming loans available up to $647,200
  • require a minimum of 3% down payment or up to 97% LTV for qualified buyers up to $647,200. 
  • 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 San Marcos, California:

San Marcos 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


San Marcos Zip codes include 92069 and 92078.   San Marcos Area codes include the 760 area code and 442 area code.

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,Southern California, San Diego, San Marcos, San Marcos,  Oceanside,  Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, San Marcos, 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 www.vandykfunding.com to get started or just find out more

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