In today’s competitive market, the ability to offer flexible, creative financing to fit each client’s unique situation sets top producers apart. At VanDyk Mortgage, we give you that edge.
We’re a direct lender with Fannie Mae, Freddie Mac, and Ginnie Mae, with a robust broker network with 25+ outlet options, so you’re never stuck saying “no” when the deal is solid, but the scenario is unique.
And if we don’t offer it yet? Our VP of Secondary and Capital Markets is known for moving fast to get the right programs in place. We’re serious about helping you close deals.
We don’t just offer products.
We offer opportunities. Here are just a few examples:
FannieMae, FreddieMac fully delegated direct lender allowing for simultaneous submission to DU and LP, meaning fewer conditions and more appraisal waivers. No score agency options available.
GinnieMae direct selling and servicing, allowing for a 500 credit score, low down, allows gifts, and down payment assistance. Great for first-time and credit-challenged borrowers. No score agency options are available.
Options offered to self-employed borrowers who could benefit from documenting income with bank statements instead of tax returns.
Used to purchase a home, cash out, rate and term refinance, or obtain a line of credit designed with no monthly payments.
Offer up to zero down payment options in targeted areas
Fully delegated option with interest rate reduction loan making it easier for your borrowers to qualify with 100% financing available.
Loans that exceed the conforming loan limits up to 2 million are underwritten in-house.
State-funded programs that provide lower rates and terms for individual state residents and underserved communities.
Investor-friendly financing that allows borrowers to qualify based on rental income and cash flow specific to investment properties.
Loan options for condo projects that don't meet agency guidelines.
Options for borrowers with credit-related events who do not meet standard agency seasoning requirements.
Short-term financing that can help a borrower buy a home before the sale of their vacating residence.
Conventional, Government, Jumbo, Non-Conforming One Time Close options available.
Designed to help medical professionals qualify, offering flexible eligibility criteria and lower down payment options.
Short-term financing ideal for investors who buy, renovate, and sell properties for profit.
Used for individuals who are not US citizens but have the documentation necessary to purchase a home in the US.
With ONAP approval and the ability to close loans under Section 184, these options are designed to provide mortgage financing to Native Americans.
Used to finance the purchase of a plot of land.
Financing unique properties from vacant land, mobile homes, condotels, and more.
No income verification loan for non-traditional income borrowers.
This menu is intended as a guide and may change without notice. Each broker will have a unique underwriting and procedure manual. Not all programs are available in all states.
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