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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…

Reviews on Zillow
LR-QTZSZVB
"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
5.0/5.0
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
5.0/5.0
by KevinJ Brooks
Kudzu Best Of

Mortgage Advice Column

The Process of Shopping for a House






You can’t help but feel overwhelmingly excited when you begin thinking of buying a home. Looking for a house can be time consuming. Finding your soulmate home makes you realize that hard work truly pays off.

So, how long does it take to buy a house? It depends. On average, looking for a home normally takes up to three months. Here’s a glimpse of the steps that can shape your home buying process.

Mortgage Pre-Approval

Mortgage pre-approval is an estimation by a lender that determines if you would qualify and be creditworthy for a home loan.

The first step to get pre-approved for a home loan is to find a mortgage lender to work with. This paperwork will summon up basic information based on your credit score, income, debts, and employment history. This will expedite your home buying process. Also, pre-approval gives you a value range for the home purchased based on the current circumstances.

You will receive a written statement from your lender stating this information.

Searching for a Home

Once you are pre-approved, the journey for your sweet home can begin. Finding your dream home may take a while until you find the perfect fit.

Negotiating Agreement

Once you have picked the right house to buy, your real estate agent will help you fill out the paperwork to put an offer on the home. Once an offer is made, it usually takes up to three days to get an answer back from them.

          If approved, the next step will be handling inspections and appraisals.

          If rejected or countered, the negotiation process will take up to couple days.  

The inspections and the appraisal usually take up to two weeks to complete.

The Closing Process

Once the inspection and appraisal are completed, then your lender will start the closing process.

Closing occurs when you sign the paperwork that officially makes you the house owner. It may seem like the closing process is a lot of work, but it’s worth it. While waiting for the process to be finished, find something to keep yourself busy and enjoy your time while you wait!


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VanDyk Mortgage Atlanta Branch: 800 Johnson Ferry Road, NE, Atlanta, GA 30342 | Phone (770) 552-1000 | Privacy Policy | All Rights Reserved
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VanDyk Mortgage Corporate Address: 2449 Camelot Ct. SE, Grand Rapids, MI 49546 | (888) 482-6395
We Lend in: FL, GA, NC, SC, TN, & VA – Corporate NMLS #3035 – Georgia Residential Mortgage Licensee #22013 | Virginia State Corporation Commission MC-5511.
Texas disclosure | This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located
in the state of New York will be accepted through this site.