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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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"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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"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 make an offer on a House





Finding your dream home might take a while, so when you find the one, the next move is to make an offer.  Unfortunately, buying a house isn’t a handshake deal nor a verbal agreement, but with the right tools and a good offer, you can end up receiving the keys to your new house.
Check out these negotiations tactics to make the process smooth.

Make an offer
It’s all about supply and demand. You will want to look around the houses in the area that are similar and up for sale or recently sold. When you do, check to see how long the houses stayed on the market. If it’s more than average, then you are in a buyer’s market.

For example, just because a house is listed at $400,000 does not mean the house is worth that exact amount. This may mean that the seller has overpriced the home. If the house is sitting unsold for few months, don’t be afraid to negotiate at a better price.

Write a Letter
Believe it or not, you can boost yourself by writing a personal letter to the seller.

If by any chance you’re in a tight market and happen to find your dream home, a letter can sway them toward you. You want to write about what’s important to the sellers. For instance, you’ve notice they are a dog lover and you own pets as well. Write about how the backyard would be great for your Labrador retriever. If they’re runners, they’ll love that you’re excited about the nearby trails, too. Most importantly, if they’re parent’s as well then they will appreciate your intentions to do the same.

Keep your emotions in check
House haunting can be dreadful, especially if it takes quite a while for you. When you find the perfect home, try not to get emotionally attached.  Even an excellent offer may not be accepted, but if your offer is accepted, you should get down to the serious business of closing the sale. Just remember, it’s not a done deal until both parties sign the offer agreement.


Bottomline, when you shop for a home, make sure you do your homework. Having enough information will help you submit an offer that meets the market value.

If you have any questions for us, don’t hesitate to give us 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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