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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

When Should You Make an Offer on a Home?



Buying a home can be the most exciting part of your life. Let’s face it, buying a home is a huge deal. Too often, people rush into homeownership without realizing that a home can be overpriced.

What if you have found your dream home? You don’t want to lose this opportunity, yet you don’t want to over pay on your mortgage either. To be clear, it’s best to play your cards right when you make an offer.

Not sure where to start? Take a look at these 3 signs to determine when the time is right to make an offer. 


How long has the home been on the market?

It’s simple, supply and demand. It’s best to look around at the houses in the area that are similar and up for sale or recently sold. Once you do, check to see how long the houses stayed on the market. If it’s more than average, then you are in a buyer’s market. That might tell you that the seller has overpriced the home. However, it will be easier to negotiate at a better price since the house has been on the market for so long. 


When you’re not picky

Many people have a preference on how their future house should look. Others, maybe planning a full renovation no matter how the house looks. However, if the price is all that matters then you shouldn’t be afraid of throwing offers left and right. When you are searching for a home, go around every house and negotiate. Granted, you will eventually find a seller who is willing to compromise. 


When the Home is outdated

Trends comes and go, but when a home is completely outdated that’s when you swoop in with a low offer. So, how do you know when a home is outdated?

For instance, whether its flower’s or busy patterns, nothing makes a home look outdated quicker than wallpaper. Let’s not forget those wood wall panels. Or, if the house still has an old thermostat to control your home’s heating and cooling system.

If your home has any of these, your house is completely outdated. So, play your cards right and negotiate for a better deal. 


Bottom line, when you shop for a home, it really does help to do your homework and know the environment you are buying. Having enough information will help you submit an offer that meets the market value.

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!

Why You Need A Mortgage Pre-Approval


Are you starting the house hunting process to find a home and haven’t been approved yet for a mortgage loan? So, how do you know which type of loan is going to be the best for your situation? Getting pre-approved is the answer!

A mortgage pre-approval is a document that indicates how much of a loan you can get approved to borrow.

Let’s dig in a little further as to why you should get pre-approval before you shop for your dream home…

Potential Credit Problems

Usually first-time homebuyers are unsure what their credit score is. It’s common when buyers are unaware if they have a credit problem. When they get pre-approved, the buyer will be made aware if they have any issues their credit reports.

Many people don’t monitor their credit score and usually can have a credit error. Having a credit error removed can have a long process and sometimes it can take a couple months for it to get corrected. So, this can all be fix when getting it pre-approved.  

Eliminate Disappointment

Pre-approval letter will help eliminate disappointment and same goes for someone who is purchasing a home.

This happens because when the buyer is searching for a home with an agent, either of them wouldn’t know if the buyer can afford a house. This can possibly lead to a disappointment. Who knows, they would probably fell in love with the one and submit an offer. The next thing they know the buyer won’t be able to afford the house due to credit problems or other situations.

It’s very understanding when leaving the buyer heartbroken and disappointed! Here’s a thing, this can all be avoided once they get pre-approval before looking for a home. Don’t miss an opportunity looking for your dream home without getting it pre-approved. You don’t want to miss out! 

If you want a full team of experts, we’re happy to help you make the best decision. Please don’t hesitate to reach out to us, we look forward to hearing from you!




Kids are Back to School: Why Fall Might be the Best Time to Buy a Home




Summer is coming to an end. Kids are getting back into the school routine. Fall is just around the corner. The return of cooler temperatures, beautiful fall colors, and pumpkin-spiced coffee is on our minds. It’s also an opportunity to search for your dream home and hopefully snag a great deal!

Many people wonder if the best time to buy a house is during the spring/summer season. In a way yes, however, there are a lot of buyers out at that time trying to purchase a home. Once buyer demand slows down this time of year, sellers might be willing to negotiate with home buyers. If you didn’t get the chance to buy your dream home during the busy summer season, or are starting the process as a first-time homebuyer, here are reasons why buying a home is the best move to make.

Less Competition & Price Match Market Value

Usually, during the summer when a buyer sees something they like; they need to jump on it immediately or it will be to late. There’s competition everywhere trying to find the perfect home. However, once kids are back to school, fall is a perfect time to search for a home as most summer buyers would be already out of the picture.

On the other hand, if the homes listed during the summer didn’t sell, it’s probably because they were overpriced. Homebuyers might find the house prices falling more towards the actual market value during this season.

For instance, in 2017, the US, median sale price dropped 4% from $265,000 in June to $261,000 in October, according to Zillow home value index.

When searching for a home, try to do an estimation on the house price, submit an offer that meets the market value. It’s easier for buyers to negotiate a better price. You will be surprised how tables turn around. 

For example, Buyers have the upper hand more so than the sellers do. During the slower market, Buyers are willing to give the seller more time to close. This usually happens because they might sweeten the deal by leaving behind a hot tub. So, don’t miss out the opportunity to search for a home during Fall Season.

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!


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