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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
1901191
"This was my third refinance with Stephen and VanDyk Mortgage. As usual, Stephen was very responsive and was able to get me the best no cost rate in ... more "
5.0/5.0
by mogatlanta
Kudzu Best Of

Mortgage Advice Column

What Should You Avoid When Purchasing A New Construction Home?


Are you thinking about building a new home from scratch? If so, take note of these three things you need to avoid! We have a lot of experience in new construction properties and would love to make the process as smooth as possible for you.



1. Hire a Realtor. An experienced Realtor knows what to look for when buying any type of property. Sure, the new construction builder has a Realtor on site, but that agent is only there to advocate for the seller. For guidance and representation, you need to hire a Realtor who will advocate for you! If any issues arise, you'll have someone there to help you understand what your options are.

2. Do your research. This comes back to hiring a real estate professional, as they will know exactly what to look for. For example, an agent will look at property taxes for you, one of the most important things to keep in mind while building a new home. You need to know exactly how much you are going to be paying in property taxes in order to avoid overextending yourself financially.

3. Find a trustworthy lender.
We will make sure you know exactly what rates and fees you'll be dealing with ahead of time so that you can select the program that will best fit your financial needs.

If you decide to hire a Realtor, make sure you are comfortable with them. You should be able to call, text, or email them at any time in order to stay on the same page and ensure you're both working toward the same goal. If you have any questions about finding the right agent or avoiding common new construction mistakes, we would love to hear from you!


Six Reasons To Buy A House In The Fall



The end of summer typically means fewer “for sale” signs. However, whether you’re a buyer or a seller, don’t fret. This can be great news for the following six reasons:




1)      Less Competition. Fall means that school is back in session. AKA most families who wanted to move into their new home before school started have already done so.

Reason this is good news for buyers: Less homes for sale, plus less families, equals out to the same chances (or better) than you had before.

Reason this is good news for sellers: The buyers who are still in the market are typically more serious about purchasing (versus those in a rush to find a new home before August) which will make your job much easier.

2)      More money in your pocket. Those who close escrow before December 31 may get a nice write off on their taxes.

Reason this is good news for buyers: You can take deductions for your whole years’ worth of income from property tax and mortgage interest. Any payments that you have made before your closing is final are tax deductible.

Reason that this is good news for sellers: Closing costs and home improvements may be eligible for tax write offs. There is an entire list of possible write offs for sellers here.

3)      Nothing like being home for the holidays. Buying or selling in the fall means that you can sit back and relax in your nice, warm home when the winter weather and holidays hit.

Reason this is good news for buyers: Do we have to explain? You’re gifting yourself a new home for the holidays! Plus, since less people tend to move around this time, that means easier access to movers, etc.

Reason this is good news for sellers: Again, do we really have to explain? A sold home means less stress off your plate for the holidays! Check THAT off the to-do list.

4)      This one’s just right. Home prices will be more accurate in the fall than they are in the spring or summer. Since there is a smaller market for houses, prices won’t be raised due to demand.

Reason this is good news for buyers: Your chances of overpaying or having to outbid someone for your home is greatly lessened.

Reason this is good news for sellers: If you’re smart about your asking price, your home will stand out in the crowd and your chances of selling will greatly increase. Plus, gone are the days of trying to perform renovations in order to raise the value of your home. Put that hammer down and grab a cocktail instead!

5)      Fall = less burglaries. Did you know that burglaries happen more often during certain times of the year? July and August are the months during which most burglaries take place.

Reason this is good news for buyers: You can rest easy knowing your home is safer while you are moving in. It also gives you time to set up that new alarm system.

Reason this is good news for sellers: Your home is safer from theft. Again, do we really need to clarify this one?

6)      Deals and sales. Are you thinking, “we have this extra bedroom now but, no furniture for it!” Good news for both buyers and sellers: Black Friday and other holiday sales are right around the corner. Now that you’ve moved into (or sold) your warm, accurately priced, safe home, it’s time to shop and enjoy the holidays!

Give us a call when you’re ready to start the process!

Renters And Homeowners Agree: Now Is A Good Time To Buy


The share of current renters who believe that now is a good time to buy has jumped to 62 percent. That’s a two percent increase from this time last year and a 10 percent increase from last quarter.



Homeowners agree, saying that 80 percent of higher income households within the Midwest and Southern regions are optimistic about buying a house. Eighty percent of homeowners also believe that now is a good time to sell. That’s a 13 percent jump from this time last year and a five percent increase from last quarter.

So why does the housing market seem to be at somewhat of a standstill? The issue is not with the amount of buyers, but rather with the amount of homes for sale. Potential buyers are also intimidated by down payments, considering the housing market prices are incessantly rising.

However, there are reasons to remain optimistic. One reason being that the economy is continuing to improve. “Jobs are plentiful, wage growth is finally showing signs of life, home values are up considerably in the past five years and the stock market is at record highs,” says Lawrence Yun, NAR chief economist. Overall, most potential buyers think that their financial situations will improve within the next six months.

Still intimidated by rising house prices? Ask your relatives or employers. We offer loan programs that allow you to use “gift money” to buy a house. However, be prepared to provide a letter from the gift giver stating that it is, in fact, a gift, not a loan. We may also need a bank account statement from the giver.

Not comfortable with that? You can also take money from your 401k or IRA. Some accounts even let you pull this money out for free in order to use the funds as a down payment.

Our best advice? Adjust your budget. Owning a home will save you money overall, so saving extra money in the meantime will help you in the long haul.

When you’re ready to take that next step, give us a call! We can also offer advice on how to afford your dream home.








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