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FHA Loans Explained and Delivered

Federal Housing Administration (FHA) Loans have returned to the lending market as a smart option for home financing for first time home buyers and those with less than perfect credit. At VanDyk Mortgage, we provide expert resources to consumers through a wealth of information on FHA home financing.

Each of our FHA Specialists are fully trained in the HUD-insured loan industry. We can help you:

Find all the information you need on FHA Guidelines to see if you qualify for an FHA Loan
Determine the options and money saving benefits available to you with FHA Financing
Help you get pre-qualified online for a FHA Loan

Simply answer a few questions to see how you can maximize the benefits the FHA Loan Program has to offer-without any obligations.

Yes, You May Qualify for an FHA Loan!

FHA loans are great for buying AND refinancing! VanDyk Mortgage is an approved FHA lender and the FHA Express is one of our most popular loans, allowing more people to qualify under the flexible credit guidelines. Our clients love the low fixed rates and security of a government-insured loan. To find out if an FHA loan is right for you, call 866-469-7187 today!

Refinancing with an FHA loan

You can refinance up to 97.75% of your home’s value. Or make a smart financial move and get cash from your home to consolidate your high-interest debt to a low, fixed rate – FHA cash-out refinance loans allow you to take out up to 85% of your home’s value.
If you’re currently in an FHA loan, you could get a lower mortgage rate and payment with an FHA Streamline. The FHA Streamline offers a limited documentation option, has flexible credit requirements, and you could even avoid an appraisal.
Can you refinance your FHA loan and qualify for a lower mortgage payment – even if you owe more on your home than it’s worth? Answer a few questions to find out how to qualify for an FHA Streamline Refinance or call us now at 866-469-7187 to find out if you qualify for an FHA Streamline refinance loan.

Buying a home with an FHA loan

Your down payment can be as low as 3.5% of the price of the home.
FHA also allows seller concessions up to 6% of your home purchase price. This will likely change in the near future to 3%.

Congress has raised the loan limits for FHA loans across the country! For example, in San Francisco, the FHA loan limit went from $362,790 to $625,500. Higher loan limits mean lower rates for more people! Get in touch with us today: fill out the form on the right or call 866-469-7187 to find out the current FHA loan limit in your county. Don’t wait until it’s too late!

Questions about credit? Click Here!

866-469-7187

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