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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

What Should You Do to Prepare Your Home for Winter?


Today we are excited to discuss an important topic that you need to know about this time of year. It’s important to be prepared for winter so you don’t have any big costs or repairs to do during the long, cold months ahead. We’ve got 5 great ways that you can winterize your home, and here they are:




1. Have your furnace looked at by a professional.

2.Look at the weather stripping around your windows and doorways, make sure it’s sealed tight.

3. Disconnect any hoses out from the side of your house so you don’t have to deal with any frozen pipes.

4. Clean your gutters out to prevent them from freezing. This will help protect siding and roof issues.

5. If you have outdoor fountains or sprinkler systems, drain and cover those.



These are just a few of the things you can do to keep your home in tip-top shape throughout the winter. If you have any questions for us, or are thinking about buying or selling yourself, give us a call or send us an email. We look forward to hearing from you!

Why Winter Is a Good Time to Sell


Today, we'll go over selling your property in the winter season. The conventional wisdom is that you shouldn't sell your home in the winter because no one wants to buy a home and move during the holidays. However, we've seen that winter is one of the best times to sell and get top dollar.


Why? It's a simple matter of supply and demand. Due to the conventional wisdom out there, many people opt to wait and sell in spring or even take their homes off the market during the fourth quarter. This leads to a shortage of inventory.

No one wants to move during the holiday season. Those that move during winter do so because they have to. Maybe they are a military family. Perhaps, they've been transferred by their employer and need to move in by the end of the fiscal year, which is December 31st. These buyers are highly motivated. Since there aren't as many homes available for sale, you can get the most amount of motivated buyers with the least amount of competition!

In the winter, you will most likely spend fewer days on the market, and your overall sales price can go up because of the highly motivated buyers. If you're thinking of selling your home or if you have any other questions for us, give us a call or send us an email. We look forward to hearing from you!

Why Aren’t Millennials Buying Homes More Frequently?


One thing we know for certain about the real estate market is that it is never going to stay the same for long. Today we want to talk about an interesting trend we’ve noticed in real estate: millennials are waiting longer to purchase their first homes than their parents did.



The typical first-time buyer now rents for an average of 6 years before buying a home, which is up from 2.6 years in the early 1970’s, according to Zillow.

 

Here are three reasons why:



1. Down payments are a huge factor

Renters in today’s market are struggling to save for down payments and qualify for mortgages. Most first-time buyers still depend on personal savings for at least some of their down payments, but rising rental prices have complicated the task of socking away money for a down payment.



2. Rising rental rates are complicating things as well

Rental rates are causing 46% of renters aged 25-354, to spend more than 30 percent of their incomes on rent, up from 40 percent a decade earlier.



3. Job security is important to millennial buyers

B buyers average nearly 4.5 years in their field of work and have held their current job for slightly more than three years. Those figures point to how critical career stability is to a younger generation.
See Older Posts...

National Rate Trends

Mortgage Rate Quote

Stephen Katz on Zillow

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