• FHA & FHA Jumbo (aka High Balance)
• VA & VA Jumbo (aka High Balance)
• Conforming & Conforming Jumbo (aka High Balance or Super Conforming)
• Jumbo Loans to $3m

Encinitas FHA Loans are available up to $546,250 with just 3.5% down payment. The FHA 2011 Loan Limit for Encinitas is $546,250. Encinitas FHA Loans that are over $417K up to $546,250 are called FHA Jumbo or FHA High Balance loans.

Encinitas VA Loans are available up to $537,500 with NO downpayment required. The Encinitas VA Loan Limit in 2011 is $537,500. However, Veterans are not limited to the Encinitas Loan limit of $537,500 for VA Jumbo Loans. We also offer VA Jumbo Loans up to $1.5 Million with the appropriate downpayment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Encinitas Conforming Loans are available up to $546,250. The Encinitas Conforming Jumbo Loans (aka Conforming High Balance, those over $417,000 and up to $546,250) require a minimum of 10% downpayment or equity.

Encinitas is located in North County San Diego in California. It has several miles of Pacific Ocean beaches, and is located just north of Solano Beach and Carlsbad is just to the North, and borders Rancho Santa Fe on the east side.

Here are some links to local Encinitas information:

• Encinitas City Website
• Encinitas Crime Maps
• Encinitas Statistics, Demographics, & Info
• Encinitas Real Estate
• Encinitas School info
• Encinitas Wiki

Encinitas Home Loan information

FHA Home loans in Encinitas, California:

• FHA Home Loans require just 3.5% downpayment
• FHA Jumbo Loans up to $546,250 (aka FHA High Balance)
• The $546,250 is the base loan amount - the Encinitas FHA Loan Limit of $546,250 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)
• The Seller can pay up to 3% of your closing and settlement costs.
• Minimum score for a FHA Home Loan is just 620, even on FHA High balance or FHA Jumbo.
• You can receive a gift of funds for your Downpayment and closing costs from Family
• FHA Condominium requirements include at least a 51% owner occupancy ratio, no outstanding lawsuits against the Homeowners Association - call for details.
• FHA Loans allow non-occupying co-borrowers such as parents and siblings.

VA Home Loans in Encinitas, California:

• Active Duty Military and Veterans can both qualify
• 100% financing up to $537,500
• A $600K Encinitas Home Purchase would only require $15,625 downpayment (2.60%) - not including the VA Funding Fee
• A $800K Encinitas Home purchase woud require just $65,625 down (8.2%) 
• VA Loans require no Mortgage Insurance
• VA Loans do require a VAFF (VA Funding Fee), which is usually financed
• Veterans with a 10% or higher VA disability pay no VA Funding fee
• Sellers can pay up to 4% of the VA Buyers closing costs

Conforming Home Loans in Encinitas, California:

• Available up to $546,250 with the Conforming High Balance (aka conforming Jumbo)
• Encinitas Conforming loans available up to $417,000
• require a minimum of 5% downpayment or up to 95% LTV
• Allow for condominiums, Second Homes, and investment properties
• Call for details on Fico score requirements, downpayment requirements, etc

** please visit our post on Conforming vs Conventional to help explain the difference between these two terms, they are often misused in the media and web.

Encinitas Zip codes include 92024.   Encinitas Area codes include the 760 area code and 442 area code.

Give us a call at 760-752-4480 direct, ask for Brian Skaar to see if this is the right loan for you. Visit us on the web at www.vandykfunding.com

VanDyk Mortgage has been making FHA loans since 1987. We are a HUD recognized Full Eagle FHA DE underwriter and FHA Direct Lender. We are also a VA Lender and VA Jumbo Lender.

Go with the Government Loan Pros, go with VanDyk. Visit us at www.vandykfunding.com or call Brian Skaar at 760-752-4480 for help with your FHA or VA loan. We offer FHA, FHA Jumbo, FHA Manual Underwrite, FHA Rehab 203K, VA, VA Jumbo, Conforming & Jumbo Loans.We serve the following areas for VA, FHA and Conventional loans: California,Southern California, San Diego, Encinitas, San Marcos,  Oceanside,  Vista, Escondido, Fallbrook, Bonsall, San Diego, Rancho Bernardo, Poway, Encinitas, Carmel Valley, Scripps Ranch, Tierra Santa, El Cajon, La Jolla, Chula Vista, National City, San Ysidro, Santee, Eastlake, Ramona, Temecula, Murrieta, and Valley Center. VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

VanDyk Mortgage is a VA Direct Lender (since 1987) offering VA Loans such as VA purchase loans, VA Streamline Refinance, VA IRRRL, VA Refinance Loans, VA Mortgages of all types. As a Government Direct Lender, VanDyk Mortgage is also a HUD Full Eagle FHA Direct Endorsement Underwriter, ie FHA Direct Lender offering FHA Loans such as FHA Purchase loans, FHA Refinance, FHA Streamline Refinance, FHA loans, FHA Jumbo, FHA Jumbo Purchase, FHA Jumbo Refinance, FHA Jumbo Streamline Refinance, FHA High Balance, and FHA mortgages of all types. Visit us at www.vandykfunding.com to get started or just find out more