|
|
FHA & VA
Home Loans In 34 States
Real Estate
Mortgage & Home
Loan Specialists
So often we have had people come to us who were told they did not qualify for a home loan due to credit issues, yet things were NOT as bad as believed. Therefore we suggest you give our Home Loan/Credit Experts a call to find out. Even if we cannot find a home loan for you today from our over 4500 loan programs, we will give you an exact plan and time table of when you CAN buy the home of your dreams.
Call: 336-753-0844
Apply Now
For even more in on a home loan go to: http://www.mtgbuy.com
FHA Loans
Government Loan Programs
FHA FEATURES AT A GLANCE
1) 30 YR Fixed & Great Rates
2) No Credit Requirement ( No Established Credit Necessary )
3) No Rental History Needed
4) Still in Chapter 13 OK With 12 Months Perfect Payment Of BK
5) 2 Years Of College Counts As Job History If Student Goes Into Field Of Study & Has An Employment Letter
Call Now: 336-753-0844
Or write me at: john@mtgbuy.com
FHA Home Loans
An FHA Home Loan is a great way to go when purchasing your First Home. It is also a great program for purchasing specific types of homes such as Site Built or Manufactured, Doublewide and Modular Homes. If you have a high interest rate in your present Home Loan or Mortgage this is also a great loan product to Refinance into.
An FHA Mortgage is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations. Available to all buyers, FHA MORTGAGE programs are designed to help creditworthy low-income and moderate-income families who do not meet requirements for conventional loans.
FHA Mortgage programs are particularly beneficial to those buyers with less available cash. The rates on FHA Mortgage are generally market rates, while down payment requirements are lower than for conventional loans.
Some of the other benefits of FHA Home Loan:
- Only a 3 percent down payment is required however Down Payment Assistance can be given by the seller allowing for 100% financing
- Closing costs can be financed.
- Lower monthly mortgage insurance premiums and, under certain conditions, automatic cancelation of the premium.
- More flexible underwriting criteria than conventional loans No Minimum Credit Score Requirements
- FHA Mortgage limits the amount lenders can charge for some closing cost fees (e.g. the origination fee can be no more than 1% of mortgage).
- Loans are assumable to qualified buyers.
VA Home Loans
VA Mortgage guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. The guaranty means the lender is protected against loss if you fail to repay the loan. In most cases, no down payment is required on a VA Mortgage guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.
Other benefits of a VA Home Loans include:
- Negotiable interest rates.
- Closing costs are comparable and sometimes lower - than other financing types.
- No private mortgage insurance requirement.
- Right to prepay loan without penalties
- The VA Mortgage can be taken over (or assumed) by the buyer when a home is sold.
- Counseling and assistance available to veteran borrowers having financial difficulty or facing default on their loan.
Although mortgage insurance is not required, the VA Mortgage charges a funding fee to issue a guarantee to a lender against borrower default on a mortgage. The fee may be paid in cash by the buyer or seller, or it may be financed in the loan amount.
A VA Home Loans can be used to buy a home, build a home and even improve a home with energy-saving features such as solar or heating/cooling systems, water heaters, insulation, weatherstripping/caulking, storm windows/doors or other energy efficient improvements approved by the lender and VA.
Veterans can apply for a VA Home Loans an with any mortgage lender that participates in the VA Home Loans program. A Certificate of Eligibility from the VA must be presented to the lender to qualify for the loan.
For More Information Call:
336-753-0844
Order Credit Through Credit Plus
Free credit report agencies will not tell you what your actual credit score is. Thus we have searched for the best "pay for"credit reporting agency we could find. VanDyk Mortgage is not compensated for this. We like this service because it has tools that you can use that will tell you what to do to increase your score should it be low. When you order your credit report through Credit Plus, you can actually see how many points your credit score could increase by taking certain actions.
If you would like to order your own credit, click on the link above, place your order, then give us a call at 336-753-0844, so we can help you take the next step. Or just give us a call and we will walk you through the steps of ordering your credit and qualifying for that new home that you so desire.
Figure a Complete Budget When Having To Commute
Get Qualified Today at:
VanDyk Mortgage
NC Home Loans
Lease Purchase
Local Communities & Cities We Serve
Your VanDyk Mortgage is here to help you when you decide to Purchase a Home or Refinance a Mortgage. Whether in person or online, we close loans in 36 states all over the U.S. seamlessly and easily. We have a wide selection of REAL ESTATE MORTGAGE HOME LOAN PROGRAMS. You can trust us to find the REAL ESTATE MORTGAGE HOME LOAN PROGRAM that's best for you. We have assisted people in the following cities and states to reach their dreams: Find Out Local Community Points Of Interest In Each Of The Following Cities.
Winston Salem, NC--Forsyth County, Kernersville, NC--Forsyth County, Mocksville, NC--Davie County, Greensboro, NC--Guilford County, Germanton, NC—Stokes/Forsyth County, Rural Hall, NC—Forsyth County, King, NC--Stokes/Forsyth County, Mt Airy, NC--Surry County, Raleigh, NC--Wake County, Burlington, NC--Alamance County, Statesville, NC--Iredell County, Wilkesboro, NC--Wilkes County, North Wilkesboro, NC--Wilkes County, Elkin, NC--Surry/Yadkin County, Advance, NC--Davie County, Clemmons, NC--Forsyth County, Lexington, NC--Davidson County, Cary, N.C.--Wake/Chatham County, Chapel Hill N.C.--Orange County, Huntersville, NC-- Mecklenburg County, Monroe, NC--Union County, Mooresville, NC--Iredell County, Charlotte, NC--Mecklenburg County, Matthews, NC--Mecklenburg County, Waxhaw, NC--Union County, Lewisville, NC-- Forsyth County, Troutman, NC-- Iredell County, Oak Ridge, NC-- Guilford County, High Point, NC-- Guilford County, Summerfield, NC-- Guilford County, Colfax, NC-- Guilford County, Archdale, NC-- Randolph County, Trinity, NC-- Guilford County, Stokesdale, NC-- Guilford County, Pleasant Garden, NC-- Guilford County, Pfafftown, NC-- Forsyth County, Tobaccoville, NC-- Forsyth County, Bermuda Run, NC-- Davie County, Thomasville, NC-- Davidson County, Denton, NC-- Davidson County, High Rock Lake, NC-- Davidson County, East Bend, NC-- Yadkin County, Boonville, NC-- Yadkin County, Walnut Cove, NC-- Stokes County, Asheboro, NC-- Randolph County, Randleman, NC-- Randolph County, Cooleemee, NC-- Davie County, Browns Summit, NC-- Guilford County, Sophia, NC-- Randolph County, Climax, NC-- Guilford County, Whitsett, NC-- Guilford County, Julian, NC-- Guilford County, McLeansville, NC-- Guilford County, Gibsonville, NC, Myrtle Beach, SC, Columbia, SC, Charleston, SC several cities in California and Florida to name a few. VanDyk Mortgage, Inc. has branches in most all states in the US, this allows us to lend almost anywhere in the U.S
Useful Local Community & National Resources and Links for Homebuyers
Women’s Council of Realtors — A community of real estate professionals creating business opportunities, developing skills for the future and achieving our individual potential for success.
National Weather Service Zone Forecast — Weather and other information for Toms River and surrounding communities.
The National Association of Home Builders — A trade association that helps promote the policies that make housing a national priority. Since 1942, NAHB has been serving its members, the housing industry, and the public at large.
Homes and Communities from U.S. Department of Housing and Urban Development (HUD) — HUD's Homes and Communities Page is a clearinghouse of information and services about homes and communities for citizens and for HUD's current and potential business partners.
http://www.msn.com
We Have All The Hard To Find Loan Programs
1) Doublewide & Manufactured Home Financing
2) Challenged Or Bad Credit Home Loans
3) Super Jumbo Loans To $100,000,000.00
4) Self Employed Specialty Home Loans
5) Still In Chapter 13 Mortgage & Buy Outs
6) First Time Home Buyer Mortgage
7) Police, Medical, Fireman, & Teacher Specialty Home Loans
8) Just Graduated College & No Job History Mortgage
9) Relocation Bridge Home Loans
10) Rehab Loans--Refurb--Rebuild Home Loans
11) No Credit OR Credit Score Home Loans
12) Investment Property Home Loans
13) Apartment Home Loans
14) Commercial & Residential
15) REO's, Bank Owned, Foreclosure & HUD Owned Loans
Call Now 336-753-0844
OR
Apply Now
If you have any questions go to My Blog:
http://www.mtgbuy.com/My/Blog/web/log/conversation
John & Lisa Shaw have been married for over 11 years and in the mortgage business for over 7 years and have served the mortgage needs of of individuals and investors with a variety of mortgage products.
As a married couple, they have taken pride in making every client a happy one. They follow the rule of treating everyone like they would want to be treated. Since acquiring a mortgage is not something that is generally done every day by most people, John & Lisa believe that education is very important in helping their clients decide on just the right loan product for their client's family.
The staff they have surrounded themselves with have been hand picked and are like family. So whether you talk directly to John & Lisa or one of their staff members you will be treated the same
If you are unsure of who to use in this important decision of getting a mortgage for your family, call John or Lisa and tell them your concerns. They will be happy to answer all of your questions and guide you down the path of home ownership |
Call Now 336-753-0844 |
FINDING THE RIGHT REAL ESTATE MORTGAGE, HOME LOAN IN YOUR LOCAL COMMUNITIY
Since everyone has different financial circumstances, we custom fit your MORTGAGE or HOME LOAN to your personal needs. If you are SELF EMPLOYED, you will probably need a different loan from someone who is an employee. We have STATED INCOME REAL ESTATE MORTGAGE HOME LOAN or LOANS which are perfect for the Self Employed Borrower. Since most SELF EMPLOYED Borrowers write off what ever they can—they usually don’t show as much income as they are really generating. This can hurt them when applying for a REAL ESTATE MORTGAGE HOME LOAN FOR EITHER PURCHASE OR REFINANCE. However VanDyk Mortgage’s Stated Income Real Estate Mortgage Home Loan allows the borrower to “STATE” what their income really is in order to qualify for the REAL ESTATE MORTGAGE HOME LOAN they are looking for. VanDyk Mortgage also have NO DOC MORTGAGES. This is a REAL ESTATE MORTGAGE HOME LOAN that allows you to Purchase a home OR Refinance their existing home without having a Job. This is great for those who are RELOCATING and have yet to find Employment. VanDyk Mortgage currently have HOME LOANS for such Borrowers and have great Relocation Services.
LOCAL COMMUNITY BANKRUPTCY, FORECLOSURE & CHALLENGED OR BAD CREDIT PROGRAMS
VanDyk Mortgage has programs for those with Challenged/Bad Credit. Life happens whether through a Financial Reversal, Divorce or other. Sometimes bad things happen to good people which can leave your credit in a mess. VanDyk Mortgage has been assisting people with BANKRUPTCIES, FORECLOSURES & CHALLENGED OR BAD CREDIT for years in their Purchase and Refinancing. VanDyk Mortgage has relationships with over 300 REAL ESTATE HOME LOAN LENDERS for both Residential Mortgages and Commercial Mortgages. VanDyk Mortgage has programs that will lend all the way down to 500 mid scores. If you have found a seller that is willing to CARRY A SECOND on the property they are selling—then VanDyk Mortgage has programs that will help you get into that property with little to no money out of pocket even with a BANKRUPTCY, CHALLENGED OR BAD CREDIT. If we can’t get you into a HOME LOAN---then we’ll put you on the road to recovery.
Seller Held Seconds are a creative way to help a seller move a property quickly—If you are wanting to Sell Your Property Quickly and are thinking of lowering your price—STOP!!! Holding a second of 5% to 10% may allow almost anyone to buy your home. Call for details
Lease Purchase/Rent to Own
If you are presently in a LEASE PURCHASE or Rent to Own and are ready to buy the Home we have many Creative Mortgage programs that can assist you in actually Refinancing. If you are looking for such a property to Rent to Own/Lease Purchase, we have relationships with sellers and Realtors that have many such properties.
REFINANCING YOUR CURRENT REAL ESTATE MORTGAGE HOME LOAN
Now is the time to Refinance if you have an ADJUSTABLE RATE MORTGAGE or a High Interest Rate. Rates are still at historic lows. Now is the time to LOCK IN YOUR LOW RATE BY REFINANCING NOW.
TAPPING INTO YOUR HOME EQUITY
Home Equity Lines of Credit are a convenient way to borrow money. It is fast easy and in most cases tax deductible. Many INVESTERS use it as a secured line of credit to fix up their INVESTMENT PROPERTIES as they buy them. It is also a great way to pay off Higher Rate Credit Cards.
Call Now 336-753-0844
We also have Spanish Speaking Loan Officers
All Programs listed have qualification requirements. Not all will qualify.
If you are needing to sell your home by yourself we have free aids to help you:
http://www.mtgbuy.com and then go to the button: "Selling It Yourself"
To See HUD Foreclosed Homes Go To:
Searching for a great deal? Use our link for a free listing of HUD homes. These homes were foreclosed and listed to sell!
Better Business Bureau:
http://www.bbbonline.org/
http://www.activerain.com
Charlotte NC Resources
http://www.charlottenclinks.com/
Local Communities & Cities We Serve In NC
Your VanDyk Mortgage is here to help you when you decide to Purchase a Home or Refinance a Mortgage. Whether in person or online, we close loans in 36 states all over the U.S. seamlessly and easily. We have a wide selection of REAL ESTATE MORTGAGE HOME LOAN PROGRAMS. VanDyk Mortgagehas become The Mortgage Lender of Choice for all your residential and Commercial mortgage needs. In fact Premier is the only Bank Of The Carolina's that can lend / Broker with over 300 lenders in 36 states. You can trust us to find the REAL ESTATE MORTGAGE HOME LOAN PROGRAM that's best for you. We have assisted people in the following cities and states to reach their dreams.
Click Here For For Sale By Owner & Agent Properties http://www.mtgbuy.com/PropertyListings
Find Out Local Community Points Of Interest In NC In Each Of The Following Cities
Winston Salem, NC--Forsyth County, Kernersville, NC--Forsyth County, Mocksville, NC--Davie County, Greensboro, NC--Guilford County, Germanton, NC—Stokes/Forsyth County, Rural Hall, NC—Forsyth County, King, NC--Stokes/Forsyth County, Mt Airy, NC--Surry County, Asheville, NC--Bucombe County, Raleigh, NC--Wake County, Burlington, NC--Alamance County, Statesville, NC--Iredell County, Hickory, NC--Catawba County, Wilkesboro, NC--Wilkes County, North Wilkesboro, NC--Wilkes County, Elkin, NC--Surry/Yadkin County, Advance, NC--Davie County, Clemmons, NC--Forsyth County, Lexington, NC--Davidson County, Cary, N.C.--Wake/Chatham County, Chapel Hill N.C.--Orange County, Huntersville, NC-- Mecklenburg County, Monroe, NC--Union County, Mooresville, NC--Iredell County, Charlotte, NC--Mecklenburg County, Matthews, NC--Mecklenburg County, Waxhaw, NC--Union County, Lewisville, NC-- Forsyth County, Troutman, NC-- Iredell County, Oak Ridge, NC-- Guilford County, High Point, NC-- Guilford County, Summerfield, NC-- Guilford County, Colfax, NC-- Guilford County, Archdale, NC-- Randolph County, Trinity, NC-- Guilford County, Stokesdale, NC-- Guilford County, Pleasant Garden, NC-- Guilford County, Pfafftown, NC-- Forsyth County, Tobaccoville, NC-- Forsyth County, Bermuda Run, NC-- Davie County, Thomasville, NC-- Davidson County, Denton, NC-- Davidson County, High Rock Lake, NC-- Davidson County, East Bend, NC-- Yadkin County, Boonville, NC-- Yadkin County, Walnut Cove, NC-- Stokes County, Asheboro, NC-- Randolph County, Randleman, NC-- Randolph County, Cooleemee, NC-- Davie County, Browns Summit, NC-- Guilford County, Sophia, NC-- Randolph County, Climax, NC-- Guilford County, Whitsett, NC-- Guilford County, Julian, NC-- Guilford County, McLeansville, NC-- Guilford County, Gibsonville, NC-- Guilford County, Myrtle Beach, SC, Columbia, SC, Charleston, SC several cities in California and Florida to name a few. VanDyk Mortgage, Inc. has branches in most all states in the US, this allows us to lend almost anywhere in the U.S. VanDyk Mortgage works with over 300 of the top lenders as well as the niche lenders for hard to fund Loans. Lenders such as Bank Of America ( B of A ) BB&T, Wachovia, Sun Trust, Wells Fargo and many others
Useful Local Community, Regional & National Resources and Links for Home Buyers
Women’s Council of Realtors — A community of real estate professionals creating business opportunities, developing skills for the future and achieving our individual potential for success.
National Weather Service Zone Forecast — Weather and other information for Toms River and surrounding communities.
The National Association of Home Builders — A trade association that helps promote the policies that make housing a national priority. Since 1942, NAHB has been serving its members, the housing industry, and the public at large.
Homes and Communities from U.S. Department of Housing and Urban Development (HUD) — HUD's Homes and Communities Page is a clearinghouse of information and services about homes and communities for citizens and for HUD's current and potential business partners.
Let's get together and talk about your home buying and/or selling plans. Call me at the office (336-753-0844) or on my cell phone (336-345-9306) or send me an e-mail (john@mtgbuy.com), we'll set-up a time that is easy and convenient for you to meet.
P.S. If you're not ready to meet in person, please tour through my website. I'm sure you'll find the resources here useful and helpful. Enjoy!
|
|
