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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

When Should You Make an Offer on a Home?



Buying a home can be the most exciting part of your life. Let’s face it, buying a home is a huge deal. Too often, people rush into homeownership without realizing that a home can be overpriced.

What if you have found your dream home? You don’t want to lose this opportunity, yet you don’t want to over pay on your mortgage either. To be clear, it’s best to play your cards right when you make an offer.

Not sure where to start? Take a look at these 3 signs to determine when the time is right to make an offer. 


How long has the home been on the market?

It’s simple, supply and demand. It’s best to look around at the houses in the area that are similar and up for sale or recently sold. Once 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. That might tell you that the seller has overpriced the home. However, it will be easier to negotiate at a better price since the house has been on the market for so long. 


When you’re not picky

Many people have a preference on how their future house should look. Others, maybe planning a full renovation no matter how the house looks. However, if the price is all that matters then you shouldn’t be afraid of throwing offers left and right. When you are searching for a home, go around every house and negotiate. Granted, you will eventually find a seller who is willing to compromise. 


When the Home is outdated

Trends comes and go, but when a home is completely outdated that’s when you swoop in with a low offer. So, how do you know when a home is outdated?

For instance, whether its flower’s or busy patterns, nothing makes a home look outdated quicker than wallpaper. Let’s not forget those wood wall panels. Or, if the house still has an old thermostat to control your home’s heating and cooling system.

If your home has any of these, your house is completely outdated. So, play your cards right and negotiate for a better deal. 


Bottom line, when you shop for a home, it really does help to do your homework and know the environment you are buying. Having enough information will help you submit an offer that meets the market value.

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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Stephen Katz on Zillow

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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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