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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

Tips on How Millennials Can Build Their Credit Scores




Millennials are becoming more and more in touch with their credit scores. This is partly because many of them are coming to the age where they tend to be more interested in buying homes and having low insurance rates. Building credit at a young age can be beneficial down the road when it comes time for some of life’s big moments.

However, there’s so much misinformation about how to deal with credit. Believe it or not, more than 1 in 5 credit card users have wrongly carried a balance to help improve their credit scores. So, getting the right information about good credit management is key.

How can millennials build their credit score? See below for some helpful tips!

Keep Balances Low
When opening their first credit card, Millennials must make sure to only charge an amount they can afford to pay off every month. To avoid higher fees and big credit issues, try to pay it on time and continue to have a low balance.

Having lower credit card balances compared to your credit card limits will reward you with higher credit scores. If you want to improve and maintain a good credit score, it’s important to keep your balance at or below 30% of your credit limit.

Set up Automatic Payment
Missing a credit card payment will affect your credit score immensely. Unfortunately, missed credit card payments are one of the most common things Millennials tend to do because they seem to forget about them.

To avoid getting a red mark on your credit report, set up automatic payment on credit card accounts. This will help ensure that the bills don’t slip by.

Follow up
Millennials tend to forget that they had bills to pay in the first place. To avoid any conflict, try to follow up about bills and check to see if any debt is owed. Another way is to request a credit report from a national credit reporting company such as Equifax or Credit Karma. This can be done for free every 12 months to see where you stand on your balance.

In any case, do more research on credit scores before you purchase a home. It’s important to have some knowledge about what goes into your credit score, how to improve them, and news on changes to the credit scoring and reporting industry.

If you want a full team of Mortgage Professionals, we’re happy to help. Acting now is a wise way to achieve your goals for tomorrow!

Please don’t hesitate to reach out to us, we look forward to hearing from you!




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