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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."
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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

How to Save Money for a House




Many people like yourself are looking for ways to save money for a new home. Sometimes, it can start to feel like you don’t have enough money for a down payment.

If you are concerned about saving up money, you aren’t alone. Coming up with the money for a down payment can be one of the most intimidating parts of the process for anyone who hopes to become a homeowner. However, it can be done when the right tools and strategies are in place.

So, what is a down payment? A down payment is the cash you bring to the closing table when buying a house. The payment typically represents the percentage of the full house purchase price. For example, homebuyers typically put down payments from 5% to 20% of the total value of the home, while the rest is often financed through a loan.

The key to save money for a down payment is being strategic with your goals and cutting back your expenses. Here are 3 ways you can begin saving for your dream house today.

Track your spending and expenses
It’s all about lifestyle changes! It’s easier to spend money on specific items you purchase and, over time, it can really add up. The first step is figuring out where your money goes and how to keep more of it in the bank. 

·         Start a coin jar. Saving all your loose change can have a big impact.
·         Packing your lunch can save you about $60 a month. By the end of the year, you’ll save $720.
·         Replace your $100 monthly cable service with a $12 Netflix standard streaming account. You’ll save $1,056 a year.
·         Replace your $150 lavish gym membership, such as Lifetime with a $10 Planet Fitness gym. You’ll save $1,680 a year.
·         Going out for dinner and drinks can add up. If you typically spend $30 three times a week, try to reduce to once a week. You’ll save up to $720.
If you’re with a significant other and wanting to move in together, try to team up! With all of the above, you and your significant other would be able to save up to $9,152.

Open and automate your savings account
When you open a savings account, some bank account can offer 1.65% APY or higher. This is a great opportunity to get your savings started.

Once you set up your savings account, make sure to automate it monthly. This way part of your paycheck will automatically go into your savings account before you are tempted to spend on unnecessary things.  This small step will make a huge difference in your savings!

Look for ways to boost your income
If you already have a typical 9 to 5 job, we suggest starting a side hustle. There’s few examples of ways to earn money such:

·         Babysitting
·         Dog walking
·         Selling artwork
·         Freelance writing
·         Freelance photography
·         Driving Uber/Lyft
·         Serving
·         Tutoring

If you decide to branch out and a find a new job altogether, think about the skills or talents that you could parlay into freelance income. You may be surprised by what your talents are.

Once you saved up money for your dream house, don’t hesitate to reach out to a mortgage professional! We’ll happy to help you make the right decision. We look forward to hearing from you!




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