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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
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Mortgage Advice Column

Millennials are Changing the Housing Market



More and more of the millennial generation are interested in homeownership. The way that millennials find their home has changed because they are living in a world that is ruled by technology.

According to the chart below, Millennials, ages 18-34, cover 42 percent of all home buyers today. First-time buyers make up 47 percent, which means nearly 6 in 10 are Millennials. They are more serious in looking for a home than renting.



Millennials are better informed about their housing options than any other generation before them. This research-driven culture is supported by the internet where everything you could want or search for is right at their fingertips.

According to the bar chart below, Millennials cover 29% of online resource versus Baby Boomers covering 20%. Millennials value their time and demand convenience, so they do hours of online research when it comes to home searching and finding their agent. They want the agents to involve them on social media. They highlight the features that are important to them along with pictures and videos which helps them envision themselves living in the location.



As a result, getting the information in front of them is key. After all Millennials are changing the housing market today when it comes to technology.

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 770-552-1000 or send us an email at skatz@vandykmortgage.com. We look forward to hearing from you soon!

Great Ways to Meet Your Neighbors


Everything you own is packed into the moving truck. The old house is empty and you’re on your way to your new location. The moment you finally arrived at your new home, you finally turn the key and open the door. 

Getting help to unload the truck and arrange the furniture. You see your neighbors peeking through there window to see who just moved in. They’re likely to be as curious about you as you are about them.

Perhaps, rather than wait for your neighbors to welcome you, get out there yourself!

 So how do you do that? Here are a few pointers on how to meet your neighbors after you’ve moved into your new home. 


Hold a Garage Sale
It’s possible that you got rid of your stuff from your old home, but you never know what you’re going to need (or want) to keep at your new home.
That way, hosting a yard sale can help you meet all your neighbors and get rid of your stuff at the same time.
It’s an easy way to chat with anyone who stops by.

Use your dog
If you have a pet dog, might as well take your dog for a walk. You are bound to bump into your neighbors. Granted, it doesn’t mean you can’t use your dog to meet people outside your neighborhood. Take Muffin to the dog park and other dog-friendly neighborhood spots where you’re likely to meet other dog lovers.

Use your Front Yard
Instead of hanging out at your backyard, why not move it to your front yard? Let’s face it, some say it’s not for everyone, but it’s about making yourself visible to the neighbors.
Find the time and day to enjoy the outdoors, you’ll be surprised on how naturally it leads to conversations with those passing by. It’s a great reason for you to read a book or garden your yard.

Host a Neighborhood Party
If you don’t have plans on a Sunday, throw a block party! Seems kind of like a lot to organize the event, don’t sweat it. There are many ways to host a party, you can get everyone to participate in bringing beverages and food.

There’s plenty to be excited about when you move into a new house.
Thinking of buying a new home? You don’t want to miss out finding the right house and neighbors to call your home sweet home! Give us a call or send us an email! We look forward to hearing from you!

The Process of Shopping for a House






You can’t help but feel overwhelmingly excited when you begin thinking of buying a home. Looking for a house can be time consuming. Finding your soulmate home makes you realize that hard work truly pays off.

So, how long does it take to buy a house? It depends. On average, looking for a home normally takes up to three months. Here’s a glimpse of the steps that can shape your home buying process.

Mortgage Pre-Approval

Mortgage pre-approval is an estimation by a lender that determines if you would qualify and be creditworthy for a home loan.

The first step to get pre-approved for a home loan is to find a mortgage lender to work with. This paperwork will summon up basic information based on your credit score, income, debts, and employment history. This will expedite your home buying process. Also, pre-approval gives you a value range for the home purchased based on the current circumstances.

You will receive a written statement from your lender stating this information.

Searching for a Home

Once you are pre-approved, the journey for your sweet home can begin. Finding your dream home may take a while until you find the perfect fit.

Negotiating Agreement

Once you have picked the right house to buy, your real estate agent will help you fill out the paperwork to put an offer on the home. Once an offer is made, it usually takes up to three days to get an answer back from them.

          If approved, the next step will be handling inspections and appraisals.

          If rejected or countered, the negotiation process will take up to couple days.  

The inspections and the appraisal usually take up to two weeks to complete.

The Closing Process

Once the inspection and appraisal are completed, then your lender will start the closing process.

Closing occurs when you sign the paperwork that officially makes you the house owner. It may seem like the closing process is a lot of work, but it’s worth it. While waiting for the process to be finished, find something to keep yourself busy and enjoy your time while you wait!


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