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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

The Cost of Renting vs. Owning a Home in Georgia



Renting or buying a home has always been a challenging decision.  When you think about buying a home, many questions arise. Location primarily comes first to mind, followed up with mortgage payments, property taxes, additional fees, and questioning if the house is up to date. Suddenly you find your head spinning with many questions, but believe it or not, purchasing a home is quite the best option.



On Average, the monthly rent in Georgia is $1,200 while the monthly mortgage in Georgia is $1,029.





According to Zillow's 2017 statistics, the percentage of income needed to rent a median-priced home today (25.9%) vs. the percentage needed to buy a median-priced home (13.2%), the choice becomes evident.


When it comes to house pricing, Atlanta tends to be the least expensive metropolitan area in the country; causing Georgia’s population to grow. 


So, why isn’t everyone doing it?

Many feel that they have more flexibility when they rent since most leases are for 12 months. Also, not worrying about maintenance is a huge plus! 
However, the disadvantage of renting a home is the no tax break. You won't be able to claim property taxes when you file your tax returns and deductions for mortgage interest.

The Benefit of Buying a Home

Mortgage rates have been low for quite some time now, which makes those monthly payments lower than monthly rent.
Buying is cheaper than renting in Atlanta. When you buy a home, it is a good investment. Your cost is predictable and more stable than renting because they’re ideally based on a fixed-rate mortgage. Homes typically increase in value, such build equity. Homeowners receive various tax benefits and gain control over their space as they can make modifications without permission.

Before you decide to buy a house, 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 or send us an email at skatz@vandykmortgage.com. We look forward to hearing from you soon!

Why Metro Atlanta’s rent becomes the best Trend to live in than San Francisco



Thousands of people around the country move to metro Atlanta which led demand high rental rates over the past years.



Even San Francisco, which is known for its remarkably competitive and high-priced rental market, has fallen behind. There has been an escalation in apartment stock where the intown rent prices are proceeding to rise. According to HotPads Report on Atlanta’s rent costs, "The city’s rental house stock has exploded overall by about 71 percent and in Midtown by nearly 173 percent."

There have been many new rental listings these past years and it continues to evolve to meet market high demand. According to the report, the city is seeing prices rise “three times faster than the national median.”

Here are some insight stats for the cities from the HotPads Report:
·         The median rent in Atlanta is $1,491, up 5 percent from a year ago.
·         The median rent in Midtown is $1,835, up 2.4 percent year-over-year
·         The median rent in North Buckhead is $2,428, up 1.7 percent from a year ago.
·         The median rent in Pine Hills is $1,705, up 2.6 percent from a year ago.



Many would be renters are now considering homeownership for the first time.

VANDYK MORTGAGE & KELLER WILLIAMS REALTY

VanDyk Mortgage Corp is currently one of the top Keller Williams Realty lenders in the Southeast. We have worked hard to earn their trust with a commitment of service to their customers that is unequalled in the mortgage industry. Please click the "Read More..." link and watch this short video of Nikki Ubaldini, owner of 3 Keller Williams Realty offices as she describes the value and importance of teaming up with VanDyk Mortgage.



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National Rate Trends

Mortgage Rate Quote

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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