Represented by VanDyk Mortgage

HOME   |   ABOUT US   |   CONTACT US   |   APPLY ONLINE   |   866-742-8400

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 To Sell Your Home For Top Dollar


There are some things that you should consider if you're about to list your home for sale, especially if you're trying to find the most accurate price possible.





You have to think of your home as a product when you sell it, so you have to figure out how to attract these buyers to your product.



A lot of people think they can overprice their home and then come back down on the price if they don't get any offers, but this is a risky move. You run the risk of alienating yourself from buyers because they simply don't respond well to overpriced homes.



You need to price your home at market value, and to do so, you need to look at area comparable sales. Take a look at pending sales and see what homes are selling for. A real estate agent can help you with this as well.



Remember the three P's of selling: promotion, position, and pricing. When you price your home correctly, you put yourself in a good position to get multiple buyers interested, which can result in a very high selling price.



There are a number of different things you can do to price your home attractively in order to bring in the largest amount of buyers possible. It’s important to work with your real estate agent to determine the best price for your home.



If you need recommendations for appraisals, home inspections, etc., give us a call. We’re happy to help!

How To Win A Bidding War


It happened, you found your perfect house. Congratulations, you’re one step closer to homeownership! You reach out to the listing agent, only to find out that someone else wants the house too. Now you are faced with a bidding war (wait… what?). Before you start to panic, we’re here to explain how to come out on top!


1.       Don’t bid more than you can afford

Talk to your lender first before you decide how much money you are going to bid. Ideally, you should talk to us before you even start your house search. We will be able to tell you how much you can afford and what type of loan you will be approved for.

Never bid more than you have been approved for! In fact, you should always opt on the lower side. If you bid more than you can actually afford, you could lose the house entirely. Even if you win at the higher amount, it will put you in debt before you even move in. This could lead to late mortgage payments and eventually foreclosure.

That being said, submit your best and final offer early. You don’t want to lose the house because the other buyers bid at a price that you could beat. Another option is to add a clause stating that you will pay $1,000 more than the next ‘best and final,’ capped at the original price as seen in the listing.

2.         Utilize your agent and your lender

People forget how powerful a face-to-face or phone conversation can be. Everything is done through e-mail, which takes the human touch out of the equation. Have your agent personally speak to the listing agent to address any concerns that they may have. Ask your lender to do the same and you’re solid. While numbers are important to the listing agent, so is the certainty that the purchase will go through.

3.       Have a flexible closing date

If you are not in a rush to close, let the listing agent know. Most sellers are either looking to sell immediately or they have no timeline in mind. Play either side of the coin if you have the option. For example, if the listing agent mentions that the sellers’ new house won’t be ready for a few weeks, tell the agent that you are in no rush to move. This could swing the bidding war in your favor. On the flip side, if they are looking to move immediately, let the agent know that you can move ASAP. Then work with your lender to ensure the process moves along as quickly as possible.   

4.       Accept the house as-is

The house may need some updating, but if you’re in a bidding situation, it may work in your favor to accept the house as it is. The sellers will be relieved that they don’t have to put any more work into the house and you’ll win the bid!

5.       Write a letter to the sellers

Most sellers have an attachment to their home. They lived there for years and have made many memories. Write them a letter to explain to them why you want the house and your plans in your new home (example: a place where you can start your family). The sellers will be happy to know that they are giving their house to someone who will truly cherish it.

Have you won a bidding war before? If so, let us know how! 770-552-1000

Should You Sell Your Home Occupied or Vacant?

If you're selling your home, you're probably wondering whether you should move out now or wait until you have found a buyer. There isn't an easy answer to this - whether you should move before you sell is dependent on many factors.



Do you have a lot of stuff in your home? Does the home feel cluttered? If the answer is yes, you have two options: one, thin out the furniture or, two, completely move out so the home can be shown in its entirety. If a home has too much stuff in it, it will feel cluttered.

Another thing to consider is whether you can keep your home in show-ready condition at all times. Depending on your situation, it might be better to move out so that the home is clear and clean once buyers arrive. On the other hand, if you're a clean person who doesn't have to clean up after kids, staying in the home while selling might be a more convenient option.

Obviously, if you have to move, (maybe due to a new job out of state or another similar reason) then you may be wondering if you should keep some furniture in your old house. This comes down to your personal needs, however, it is generally best to keep the house as simple as possible. The idea is to present the house to the buyers in a way that they can see themselves living there.

Also, when selling, you should ask yourself whether your furniture is in showing condition. If it is old and ragged, you should either replace it, or move out and have your home professionally staged.

If you have questions about the moving process, or if you would like our assistance, give us a call or shoot us a quick email. We're always available to help!

See Older Posts...

National Rate Trends

Mortgage Rate Quote

Stephen Katz on Zillow

Free Mobile App:


Mortgage Mobile App

Download my App for Free and you will have instant access to some really helpful tools!

Free Mobile App:

Mortgage Mobile App

Download my App for Free and you will have instant access to some really helpful tools!

Follow Us:
facebook
linkedin
Call Us:
NMLS Consumer Access
Stacks Image p3287_n19
US Department of Housing & Urban Development
Equal Housing Lender
Mortgage Bankers Association

VanDyk Mortgage Atlanta Branch: 800 Johnson Ferry Road, NE, Atlanta, GA 30342 | Phone (770) 552-1000 | Privacy Policy | All Rights Reserved
VanDyk Licenses | Fair Lending Policy | Security Policy | Complaint Resolution | General Disclosure | Terms and Conditions 
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.