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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

Mortgage Planning


Living the Dream? For most that means buying a house and paying off all debt as quickly as possible. That’s a great dream yet here’s a few reasons why keeping your mortgage will work to your benefit.




Did you know there are many scenarios where it may not be in your best interest to pay off your loan? Below is a list of the most common areas in which people should considered before making decisions:

 You’ll lose out on that interest deduction


Paying all that mortgage interest has a benefit, and it comes in the form of a possibly sizable tax deduction. If you are in a high tax bracket and have a relatively high mortgage, you may want to keep the mortgage rather than paying it off. A tax payer in a 20% tax bracket who has spent $24,000 in mortgage interest per year gets a $6000 reimbursement. You’d be throwing that away by paying off your mortgage.



You have other debts


It doesn’t make sense to pay off on a low interest rate mortgage first when you have high interest rate credit cards, student loans and even car loans.



You haven’t saved for your kids’ college education


Have you saved enough for your children’s college education? Rather than paying extra payments on a low interest rate mortgage, start saving for your children’s college fund. It does you no good to pay off your mortgage then sadly realizing you are paying a much higher interest rate for college.


For the most part, be careful not to sell yourself or your financial goals short to pay your home off sooner.

If you want a full team of experts, we’re happy to help you make the best decision. Taking action now is the wisest way to achieve your goals for tomorrow. Please don’t hesitate to reach out to us, we look forward to hearing from you!

Rent climbed 4.5 percent in nearly two years in Atlanta




If it feels like the rent keeps going up, you are not alone. Who doesn’t love fresh starts, it’s the best time to consider buying your new home!



Rent is Eating Up Our Pocket

Surprisingly, February monthly residential rent jumped 2.8 percent to $1,445 from last year. In fact, since May 2016, year-over-year growth currently stands to rise 4.5 percent in Atlanta and Minneapolis. In Sacramento, California, rent growth is pacing up to 8 percent. We expect rent to continue increasing through spring and summer months.

If you’ve spent any time in the last few years renting an apartment, don’t you think it’s time to search for an affordable house?

It’s Time to Make the Next Move

It’s that time of year where homebuyers should come out of hibernation. Why miss out on the opportunity to look for a perfect home? This year is a great time to get started on those plans, especially taking advantage of the warm weather. You don’t want to miss out on finding a house to call your home sweet home.

If you want more information on buying a new house give us a call or send us an email! We look forward to hearing from you!

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!

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National Rate Trends

Mortgage Rate Quote

Stephen Katz on Zillow

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