Oakley VA Loans and FHA Home Mortgage Loan info

Oakley VA Loans and FHA Home Mortgage Loan info for 2018 – California VA Lender & FHA Lender

>>> Guest Post from Guest Author Brian Skaar,  Branch Manager with VanDyk Mortgage (NMLS 220268 / 3035)


VanDyk Mortgage is your source for VA Loans and FHA Loans in Oakley.  We have been making FHA, VA, Conforming, and Jumbo loans since 1987.   VanDyk Mortgage is a Direct Lender.   We offer many loan programs for Oakley Homebuyers and Oakley 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
>>Get Started now – Call Brian Skaar direct – 760-752-4480 or apply online at www.vandykfunding.com

Oakley FHA Loans are available up to $679,650 with just 3.5% down payment.  The FHA 2018 Loan Limit for Oakley is $679,650.  Oakley FHA Loans that are over $453K up to $679,650 are called FHA Jumbo or FHA High Balance loans.

Oakley  VA Loans are available up to $679,650 with zero down payment.  The Oakley VA Loan Limit for 2018 is $679,650.   However, Veterans are not limited to the Contra Costa county Loan limit of $679,650 for VanDyk Mortgage 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.

Oakley Conforming Loans are available up to $679,650. The Oakley Conforming Jumbo Loans (aka Conforming High Balance, those over $453,100 and up to $679,650) require a minimum of 5% down payment or equity.

 Oakley Home Loan information

FHA Home loans forOakley, California:

  • FHA Home Loans require just 3.5% down payment
  • FHA Jumbo Loans up to $679,650 (aka FHA High Balance)
  • The Seller can pay up to 6% of your closing and settlement costs.
  • Minimum score for most FHA Home Loans is just 620, 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 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 for Oakley, California:

  • Active Duty Military and Veterans can both qualify
  • 100% financing up to $679,650
  • 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 for Oakley

Conforming Home Loans for Oakley, California:

  •  Available up to $679,650 with the Conforming High Balance (aka conforming Jumbo)
  •  Oakley Conforming loans available up to $453,100
  • Just 3% down payment required up to $453K
  • Now available – NO Monthly PMI Loans up to $453K with 5% down payment
  • Conforming Jumbo Loans over $453K 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


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.



Guest Post from Guest Author Brian Skaar,  Branch Manager with VanDyk Mortgage (NMLS 220268 / 3035)


>>Get Started now – Call Brian Skaar direct – 760-752-4480 or apply online at www.vandykfunding.com

VanDyk Mortgage is not affiliated with Homepoint Real Estate.

All information is subject to change without notice.

Licensing Disclosures    Privacy Policy  Product Disclaimers/Disclosures

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

VanDyk Mortgage is a private company specializing in FHA & VA financing,  VanDyk Mortgage Corp is not a government agency.

310 Via Vera Cruz,  ste 211,  San Marcos, CA 92069  760-752-4480

NMLS ID:  3035 – VanDyk Mortgage Corp   NMLS ID  220268   Brian Skaar – Loan Originator

NMLS Consumer Access Site

VanDyk Mortgage Corp address   2449 Camelot CT SE,  Grand Rapids, MI  49546


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