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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…

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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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"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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"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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Mortgage Advice Column

3 Ways Kids Can Help Move


Moving into a new home can be a huge transition for anyone, especially children. And while you can’t do much about combining your job and your pets into the move, your children most certainly can give you a helping hand! It’s a great way for your kids to learn to pitch in with responsibilities and what better way than to help with such an “adult” task. So instead of getting them distracted by watching TV, show them how to stay productive.

Check out these 3 ways kids can help move:

House Hunting 

Kids and house hunting, is it possible? Oh yes, it is! Honestly, it’s important to get your kids involved in the search for a house. Taking your kids with you will help them get excited for the move and help you by providing some input on the house. By getting them involved, you’ll learn some important insight and what they consider to be a perfect home for all of you.

Of course, don’t drag them to every house since it can be tiring. Wait until you narrowed down your options before bringing your kids with you. That way, they will feel included in the process. Having those extra eyes for evaluating what you find would be worth it!

Getting rid of Stuff 

When packing, one of the important things you would want to do is bring less items to your new home. Toys are one of things you would want to consider getting rid of! This is a great opportunity for the kids to understand the importance of giving back - after all you don’t want unnecessary toys to overflow when packing. Give them an empty box and tell them to fill it up with things they don’t need anymore. So, whenever they are ready, you can go together to drop them off at a donation site.

Unpacking Assistance 

The moment you finally arrive at your new home, you turn the key and open the front door. You might feel relieved until you realize everything you own needs to be unpacked. Moving is a big transition, and it can be very overwhelming. Get your kids involved by allowing them to be in charge of unpacking things in their own room such as their clothes or putting books on their bookshelf. Items that are easy for them to carry. It’s a great way to include them by making them feel like they are in control of their space. Having the kids help you with this “adult” task can make life a little easier! There’s plenty to be excited about when you move into a new house.

Thinking about buying a house? You don’t want to miss out finding the right house to call your home sweet home! Give us a call or send us an email! We look forward to hearing from you!



A Pet Lover’s Guide to Buying a Home




If you’re thinking about purchasing your new home, don’t forget to think about your pets. Life wouldn’t be complete without a four-legged friend by your side.  With that said, you would want to search smarter for pet-friendly homes since certain homes and neighborhood may not roll out the welcome mat for your furry friend.

So, here are 3 questions to ask that will keep you, your pet, and the people around you peaceful.  

What are the local pet laws?

You should be familiar with the city & county’s rules when it comes to pets.

There are certain locations that your pets might not be welcome, since there can be restrictions within an HOA, condo development, or even the city or state.

Some HOAs or condo developments restrict the number of pets you can have as well as the type of pet. It is your responsibility to know the law.  

Some laws concern the behavior of the dog. Dogs bark naturally, however constant barking can be disturbing for your neighbors. There are noise ordinances for almost every city.  Better to be safe than sorry!

Is the neighborhood good for pets to roam?

You’ll want to find a neighborhood that will be good for walks. A location that’s close to a park, trail, doggy park, or other green area. With dogs, they would want to roam around, especially on bathroom walks.

Another thing is being cautious on choosing a location right near a busy road or highway. Dogs and cats that like to roam could be in danger in a high traffic area.

Should you check your dream home layout?

It’s important for you to consider if the home’s layout is safe enough for your furry friend. You need to be mindful of getting a home that has a fenced in yard. Depending on the size of your pet, the amount of space varies. Definitely take into consideration their needs.

Managing a massive dog can be a massive challenge, but the right fence goes a long way in terms of keeping your dog safe and secure.

Also, see if the property is safely fenced and if the stairs are safe enough for them to go up and down easily, in case you have elderly pets or pets with disabilities.

So, take the time to consider what will best suit your four-legged companion before making a decision.

With these tips in mind, there will surely be one that’s perfect for you and your furry friend. If you want a full team of mortgage professionals at your disposal to help you make the best decisions, please don’t hesitate to reach out to us. We look forward to hearing from you!


What is an FHA Loan?




Buying a home is exciting, however, figuring out the right home loan can be stressful. Home loans, called mortgages, come in numerous types. Choosing the right mortgage loan is very important, after all it is a major purchase in your life. To have a better idea of what loan works best for your needs, let’s dive into the FHA loan program.

What is an FHA loan?

The Federal Housing Administration (FHA) mortgage offers down payments as low as 3.5 percent.
The credit score and down payment amounts are just two requirements of FHA loans. You can qualify with a credit score as low as 500 with a 10% down payment unlike many conventional loans. Just keep in mind that the lower the credit score the higher the interest rate the borrowers will receive.
Majority of first-time home buyers don’t realize that the down payment can be obtained from a financial gift.

FHA lets borrower’s spend up to 57 percent of their income on monthly debt obligation, this includes credit cards, student loans, car loans, and mortgages. On the other hand, conventional mortgage guidelines tend to cap debt-to-income ratios at around 43 percent.

FHA offers several other loans programs, including:
  • Home Equity Conversion Mortgage
  • FHA 203k improvement loan
  • FHA’s Energy Efficient Mortgage Program
  • Section 245 (a) Loan

What was the purpose of the FHA?

Congress decided to create the Federal Housing Administration in 1934 which was amid the Great Depression. During that time, the housing industry was in crisis. There was an increase of foreclosure, loans were limited to 50% of a property’s market value. The government created these loans to stimulate the housing market and reduce lender risk which made it easier for borrowers to apply for home loans. This has helped the homeownership rate to increase overtime.

While an FHA loan may sound great, you’ll want to make sure this type of mortgage is right for you.
 
If you want a full team of mortgage professionals to help with your decision on what is the best loan options for you, we’re happy to help. To learn more about an FHA loan, please don’t hesitate to reach out to us, we look forward to hearing from you!

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