VanDyk Mortgage – Careers

Our Products

Loan Products

In today’s highly competitive housing market, loan originators need access to creative financing solutions outside of conventional loans to fit each client’s unique situation. In addition, as markets shift, it is crucial to be armed with the right products to grow your business and gain market share.

At VanDyk, we offer a wide range of products to help you achieve your highest level. We are a FannieMae, FreddieMac, and GinnieMae Direct lender, plus robust broker relationships, to bring you the best products. Examples of these include:



FannieMae, FreddieMac fully delegated direct lender allowing for simultaneous submission to DU & 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.

Reverse Mortgages

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 Bond & Community Lending

State-funded programs that provide lower rates and terms for individual state residents and underserved communities.

Non-Delegated In-House

Bank Statement

Options offered to self-employed borrowers who could benefit from documenting income with bank statements instead of tax returns.

Debt Service Coverage Ratio

Allows borrowers to qualify by utilizing cash flow specific to investment properties

Non-Warrantable Condo

Loan options for condo projects that don't meet agency guidelines. 


Derogatory Credit/Near Miss

Typical for borrowers with credit-related events who do not meet standard agency seasoning requirements.

Bridge Loans

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.

Doctor/Nurse Loan

Designed to help medical professionals qualify, offering flexible eligibility criteria and lower down payment options. 

Fix and Flip

Short-term financing ideal for real estate investors who buy and renovate a property to resell it for a profit.

Renovation (203k/HomeStyle)

Multiple options that include funds for renovating, remodeling, and repairing a home. 

ITIN and Foreign National

Used for individuals who are not US citizens but have the documentation necessary to purchase a home in the US.

Native American Section 184

With ONAP approval and the ability to close loans under section 184, these options are designed to provide mortgage financing to Native Americans.

Lot Loans

Used to finance the purchase of a plot of land.


A home equity line of credit secured against the home is an excellent choice for borrowers who don't know how much they will need.

Unique Property

Financing unique properties from vacant land, mobile homes, condotels, and more. 

No Income/No Ratio

No income verification loan for non-traditional income borrowers. 

This menu is intended as a guide and may change without notice. Each investor will have a unique underwriting and procedure manual. Not all programs are available in all states.