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A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time — and money.

In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time -- and money.
In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

Mortgage Loan Process

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000
Mortgage Loan Programs

Tools and Resources:    

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Tools and Resources:     

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Mortgage Loan Tools

What people are saying…

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"Excellent service, very responsible. Great team, always. Very attentive and very diligent. Smooth process. You don't waste time, all documents are electronic and easy process."
5.0/5.0
by Jose Cornier
"We needed a fast loan commitment and could not afford any delays because our seller was very difficult, and if we couldn’t provide a commitment letter on time..."more
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by kathi75
"Working with VanDyke is always pleasant and informative. They keep you on the same page and answer any questions you may have. They are very concerned about your..."more
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Mortgage Advice Column

Kids are Back to School: Why Fall Might be the Best Time to Buy a Home




Summer is coming to an end. Kids are getting back into the school routine. Fall is just around the corner. The return of cooler temperatures, beautiful fall colors, and pumpkin-spiced coffee is on our minds. It’s also an opportunity to search for your dream home and hopefully snag a great deal!

Many people wonder if the best time to buy a house is during the spring/summer season. In a way yes, however, there are a lot of buyers out at that time trying to purchase a home. Once buyer demand slows down this time of year, sellers might be willing to negotiate with home buyers. If you didn’t get the chance to buy your dream home during the busy summer season, or are starting the process as a first-time homebuyer, here are reasons why buying a home is the best move to make.

Less Competition & Price Match Market Value

Usually, during the summer when a buyer sees something they like; they need to jump on it immediately or it will be to late. There’s competition everywhere trying to find the perfect home. However, once kids are back to school, fall is a perfect time to search for a home as most summer buyers would be already out of the picture.

On the other hand, if the homes listed during the summer didn’t sell, it’s probably because they were overpriced. Homebuyers might find the house prices falling more towards the actual market value during this season.

For instance, in 2017, the US, median sale price dropped 4% from $265,000 in June to $261,000 in October, according to Zillow home value index.

When searching for a home, try to do an estimation on the house price, submit an offer that meets the market value. It’s easier for buyers to negotiate a better price. You will be surprised how tables turn around. 

For example, Buyers have the upper hand more so than the sellers do. During the slower market, Buyers are willing to give the seller more time to close. This usually happens because they might sweeten the deal by leaving behind a hot tub. So, don’t miss out the opportunity to search for a home during Fall Season.

Before you decide to buy a house, find out if you can put your housing costs to work by buying this year! If you have any questions for us, don't hesitate to give us a call at 770-552-1000 or send us an email at skatz@vandykmortgage.com. We look forward to hearing from you soon!


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