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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.

Get Started

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

Get Started

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:

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What people are saying…

Reviews on Zillow

"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

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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

Mortgage Advice Column

Tips for Searching for New Listings

Ever wonder if you can get your dream home either before it goes on the market or right after? Negotiating for a home that’s been on the market can be stressful! Especially for first time buyers looking to search for a buy a home with less competition.

Here are some secrets for finding your dream house either before the listing goes live or immediately after.

How to win over an Upcoming Home

Ask your agent about listings he or she is trying to get. When asking, make sure it’s not the current listings. You’re basically offering yourself up as “bait,” of course you aren’t making any promises to buy a home, but if you’re interested on the property then you can try to get one step ahead of other buyers.

MLS systems usually don’t allow any showings until the home is on the market, however another way to check upcoming listing is on a Friday. MLS systems would list new homes on Friday morning. This is a good opportunity to jump ahead and go to their first open house and write an offer.

Making the Right Offer

You want to come up with a price that is agreeable to you. You can do this by spending time with your agents to ensure you’re not making any mistakes. When making an offer, you need to include documentation. Most sellers want to see that you have a pre-qualification letter, proof of funds, and possibly a copy of your earnest money.

When the seller receives your offer, the seller will probably think about the offer all weekend. Even if the seller elects to wait through the duration of the open house, your offer is still on their mind. This is when you need to wait patiently, as the seller might be tempted to take the offer.

Don’t miss out on the opportunity to search for your dream home. All it takes is a little resourcefulness and some investigating to find out which homes are going on a market so that you will be ready to act fast.

If you have any questions for us, don’t hesitate to give us a call at 770-552-1000. We look forward to hearing from you soon!

How to make an offer on a House

Finding your dream home might take a while, so when you find the one, the next move is to make an offer. Unfortunately, buying a house isn’t a handshake deal nor a verbal agreement, but with the right tools and a good offer, you can end up receiving the keys to your new house.

Check out these negotiations tactics to make the process smooth.

Make an offer

It’s all about supply and demand. You will want to look around the houses in the area that are similar and up for sale or recently sold. When 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.

For example, just because a house is listed at $400,000 does not mean the house is worth that exact amount. This may mean that the seller has overpriced the home. If the house is sitting unsold for few months, don’t be afraid to negotiate at a better price.

Write a Letter

Believe it or not, you can boost yourself by writing a personal letter to the seller.

If by any chance you’re in a tight market and happen to find your dream home, a letter can sway them toward you. You want to write about what’s important to the sellers. For instance, you’ve notice they are a dog lover and you own pets as well. Write about how the backyard would be great for your Labrador retriever. If they’re runners, they’ll love that you’re excited about the nearby trails, too. Most importantly, if they’re parent’s as well then they will appreciate your intentions to do the same.

Keep your emotions in check

House haunting can be dreadful, especially if it takes quite a while for you. When you find the perfect home, try not to get emotionally attached. Even an excellent offer may not be accepted, but if your offer is accepted, you should get down to the serious business of closing the sale. Just remember, it’s not a done deal until both parties sign the offer agreement.

Bottomline, when you shop for a home, make sure you do your homework. Having enough information will help you submit an offer that meets the market value.

If you have any questions for us, don’t hesitate to give us at 770-552-1000 or send us an email at skatz@vandykmortgage.com. We look forward to hearing from you soon!

How to Save Money for a House

Many people like yourself are looking for ways to save money for a new home. Sometimes, it can start to feel like you don’t have enough money for a down payment.

If you are concerned about saving up money, you aren’t alone. Coming up with the money for a down payment can be one of the most intimidating parts of the process for anyone who hopes to become a homeowner. However, it can be done when the right tools and strategies are in place.

So, what is a down payment? A down payment is the cash you bring to the closing table when buying a house. The payment typically represents the percentage of the full house purchase price. For example, homebuyers typically put down payments from 5% to 20% of the total value of the home, while the rest is often financed through a loan.

The key to save money for a down payment is being strategic with your goals and cutting back your expenses. Here are 3 ways you can begin saving for your dream house today.

Track your spending and expenses

It’s all about lifestyle changes! It’s easier to spend money on specific items you purchase and, over time, it can really add up. The first step is figuring out where your money goes and how to keep more of it in the bank.

· Start a coin jar. Saving all your loose change can have a big impact.

· Packing your lunch can save you about $60 a month. By the end of the year, you’ll save $720.

· Replace your $100 monthly cable service with a $12 Netflix standard streaming account. You’ll save $1,056 a year.

· Replace your $150 lavish gym membership, such as Lifetime with a $10 Planet Fitness gym. You’ll save $1,680 a year.

· Going out for dinner and drinks can add up. If you typically spend $30 three times a week, try to reduce to once a week. You’ll save up to $720.

If you’re with a significant other and wanting to move in together, try to team up! With all of the above, you and your significant other would be able to save up to $9,152.

Open and automate your savings account

When you open a savings account, some bank account can offer 1.65% APY or higher. This is a great opportunity to get your savings started.

Once you set up your savings account, make sure to automate it monthly. This way part of your paycheck will automatically go into your savings account before you are tempted to spend on unnecessary things. This small step will make a huge difference in your savings!

Look for ways to boost your income

If you already have a typical 9 to 5 job, we suggest starting a side hustle. There’s few examples of ways to earn money such:

· Babysitting

· Dog walking

· Selling artwork

· Freelance writing

· Freelance photography

· Driving Uber/Lyft

· Serving

· Tutoring

If you decide to branch out and a find a new job altogether, think about the skills or talents that you could parlay into freelance income. You may be surprised by what your talents are.

Once you saved up money for your dream house, don’t hesitate to reach out to a mortgage professional! We’ll happy to help you make the right decision. We look forward to hearing from you!

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