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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
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"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."
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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
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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
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by KevinJ Brooks
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Mortgage Advice Column

How to get a Mortgage





The best part about house hunting is finding “the one”, but it’s important not to rush things and take the time to understand the home buying process. You don’t want to overwhelm yourself. So, before you set foot in your new home, make sure you know the step by step of getting a mortgage.

Here are some simple steps that you can follow to help make the most out of the mortgage process. 

Step 1: Get your credit in check    
Your credit score tells lenders just how much you can be trusted to repay your loan on time. 

Usually, first time home buyers are unsure of what their credit score is. When you look at your credit report, make sure there aren’t any credit errors. Having a credit error removed has the potential to boost your score, but keep in mind it can take up to 30 or more days to get corrected.

If you discover your credit report has errors, do what you can to improve your credit score, so you’ll be ready for the next step of researching and choosing the best mortgage type for you.

Step 2: Get pre-approved for a mortgage
Once you are prepared with your credit score, getting a pre-approval is the next step. A mortgage pre-approval is a letter from a lender that determines the loan amount you could qualify for. This will help you eliminate disappointment! Also, without it, the seller has no guarantee you can afford their home.

Step 3: Choose the right mortgage options
The most important thing is deciding the right type of mortgage for you! There are three main factors to consider when you are comparing loan options: The term, the interest rate type, and the loan type.
  • The loan term indicates how long you pay off the loan: The most popular loan terms than homebuyers get would be a 15-year or 30-year mortgage.
  • There are two types of interest rates: fixed and adjustable. Fixed rates will stay the same while adjustable rates change over the life of the loan.
  • There are three main types of loans: Conventional, FHA and special programs loans.

Once you have a sense of the type of loan you want, you can compare lenders and offers.

Step 4: Be patient
Don’t rush through the process. Buying a home requires a lot of time and effort, so you want to be fully prepared and make the best decisions possible.

Make sure you are ready to purchase a home, emotionally and financially!

If you want a full team of mortgage professionals to help with your decision on what is the best mortgage option for you, we’re happy to help. Please don’t hesitate to reach out to us, we look forward to hearing from you!




Trying to Buy a house in your 20s?





In your 20s, there’s so much going on with your life, especially figuring yourself out! It’s about fulfilling and preparing yourself for success. Just trying to have fun and being young, but you also go through the quarter-life crisis better known as your 20’s which could include college loans, extra expenses, and your first entry-level job.  When you think about homeownership, you think it’s beyond your reach. Believe it or not, that’s not the case!

Anything is possible, becoming a first-time home buyer is a big life decision!

So, if you think you’re ready, what are you waiting for? Here’s how you can make your first home-buying dream come true! 

Handle your Student loan debt
If you have student loan debt, you are not alone! College debt shouldn’t prevent you from buying a house.

When looking for a home, most Mortgage lenders look at a borrower’s debt-to-income ratio. The lender will find this ratio by adding your monthly debt payments and then dividing that number by your income. This will help determine the amount you can afford for a mortgage loan.

Another way to make room for mortgage payment is to refinance your student loans and extend it.

Purchase your dream home
When looking for your home as a first-time home buyer make sure to find the best house for you and your needs. A starter home may be the best option! After all, it’ll be your first, not your last! You don’t have to buy your forever home just yet.

Remember, make sure it’s something you’d be happy living in 5 years or so. 

Prepared for home expenses
Always be prepared by having emergency money for home repairs. Homeowners handle all the home repairs. If renovations need to be made, you are left to hire the right contractor and pay the bill. If you need to renovate the kitchen or repair roof damage, for instance, it’s up to you to take on responsibility as the home owner. All this in the long run can add up to a fairly large amount of money.

Remember to keep track of your budget!

In the end, owning a home is the best thing that can happen especially in your 20s. The best way to ensure your home-buying process is a confident one, please don’t hesitate to reach out a full team of mortgage professionals. Call us at 770-552-1000. We’re happy to help you make the best decision.


Is a One-Story Home better than a Two-Story Home?




You probably have an idea of what type of home appeals to you most. People will find one-story homes also known as Ranch style more appealing than a two-story home, but that’s a matter of personal taste and architectural style. Whether you have an eye on a bungalow or a colonial house, one-story ranch home has plenty of positive aspects.

Here are some factors to consider on a one-story ranch style home:

Quieter living
Let’s face it, there’s no up-stairs so you won’t hear a lot of jumping and running around from above. If you have kids, a one-story home might be a nice quiet option.

Easier to clean
It’s easier to access and clean gutters, roof, and outside walls. Let’s not forget, you don’t need to worry about vacuuming up and down stairs.

Safer than 2-story homes
Child safety plays a big factor when you have a family. People with children, are not big fans of stairs. It’s too easy to slip and fall down the stairs, so it’s best to eliminate that risk.

Easier to age in place
If you plan on staying in your dream home until retirement, then a one-story ranch style home is easier to get around than a two-story home. As people age, stairs become more difficult to climb. So, might as well make it become a forever home.

So, what do you think?
In the end, I believe it comes down to personal taste. Once you have your down payment saved up, you will be ready to shop for a home. Owning a home is one of the best thing that can happen. What is the right choice, for you?

Additionally, why not learn all about mortgage loans for first-time home buyers while saving for your house? If you want a full team of Mortgage professional, we’re happy to help you make the best decision.

Please don’t hesitate to reach out to us for more details: 770-552-1000. We look forward to hearing from you!


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