"Knowledge creates confidence...
Confidence creates action...
Action creates sales!"
Tom VanDyk
Founder VanDyk Mortgage
Minimal or No Overlays with VanDyk Mortgage.... our product menus will increase your production.

Products are the “tools” of our industry....
​Like a builder... you can’t build your business without the tools!
Do you have a full knowledge of all these “tools”?​

Fixed Rate Conforming
FannieMae, FeddieMac, GinnieMae - fully delegated direct lender
(10 to 30 year terms) We allow simultaneous submission to both DU & LP
which means less conditions and more appraisal waivers!
Conforming and High Balance
All underwriting done in house.
With a conforming or conforming high balance home loan from VanDyk Mortgage your clients will enjoy low rates, a streamlined process and a loan custom tailored to fit their needs.
Cash Out Refinance
For homeowners that want or need cash out from their equity.
Non-Owner Occupied Loans
Great for investors and snowbirds who want a second home.
Jumbo and Streamlined Jumbo
Up to $5,000,000. We are delegated lender with "in house" underwriting and non-delegated to broker out difficult loans.
ARM
Adjustable-rate loans. Lower rates and payments during initial years....
3/1, 5/1, 7/1 - Great choice if your borrower expects to refi or sell your home shortly after the first rate adjustment.
HELOC - Home Equity Line of Credit
Since the loan is collateralized against the home the rates are typically much lower than a credit card of consumer debt.
Non-QM / Near Miss
For borrowers that fall just outside of agency guidelines due to credit or income.
FHA
We are a Direct GinnieMae seller/servicing and able to go down to 580 credit score, low down, allows gifts, down payment assistance, great option for credit challenged borrowers.
VA
Fully delegated lender plus "IRRL" (interest rate reduction loan) - easier to qualifying, 100% financing available
RURAL Development Loans
Up to "0" down payment in targeted areas.
Reverse Mortgage Loans
HECM (Home Equity Conversion Mortgage) - a great tool for those 62 years and older. May be used to purchase a home, cash out, rate and term refi or a line of credit. Program is designed with no monthly payments! HECM is a reverse mortgage that is insured by the Federal Housing Administration (FHA) that allows seniors (must be 62 or older) to convert the equity in their home into cash.
State Bond Programs
State funded programs provide lower rates and terms for individual state residence.
Streamlined Renovation Loans
May use the loan to purchase and rebab the home. Conventional, FHA, USDA, and VA options available.
Non-Warrantable Condos
For newer condo projects that don't meet agency guidelines. State by state in designated areas.
Bank Statement Loans
Great for self-employed that struggle with conforming documentation.
Investor Loans - Non-Owner Occupied
1 to 4 family.
Second Home and Snowbird Loans
1 to 4 family. Investors are FannieMae and FreddieMac.
Debt Service Coverage Ration (DSCR) Loans
Allows a borrower to qualify utilizing cash flows specific to an investment property only.
Construction Loans
One time close with up to 12 month locks. Conventional, FHA, and VA options available.
Derogatory Credit Event
For borrowers who had credit related event and do not meet standard agency seasoning requirements.
Native American Section 184 Loans
VanDyk Mortgage has it's ONAP approval and the ability to close loans which fall under section 184.
Bridge Loans
Short term financing which can help a borrower buy a home without having sold their previous.
ITIN (International Tax ID) and Foreign National
For individuals who are not US citizens but have documentation necessary to purchase a home in the US.
Home Ready/ Home Possible
Agency products that allow as low as 3% down and lower mortgage insurance rates.
Disclosure- This menu is intended as a guide and may change without notice. Each investor will have their own unique underwriting and procedure manual. Not all programs are available in all states.
PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE TEXAS MORTGAGE BANKER ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING:
COMPLAINTS REGARDING A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT  1-877-276-5550. 
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV
2449 Camelot Court SE, Grand Rapids, MI 49546 1.888.482.6395 Corp NMLS #3035  All Rights Reserved
Website authorization by the New York State Department of Financial Services is pending.  Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site.
Disclosure - VanDyk Mortgage is not affiliated with any governmental agency. The material shown on this site is for informational purposes only and is not an offer to lend or extend credit. All applications are subject to underwriting approval and guidelines. Not all applicants will qualify for loan products described. All loan programs, terms, pledges, guarantees and conditions are subject to the rules and regulations and to change without notice. The products and services shown are not available in all geographic areas. The information and graphics shown are provided "as is" and VanDyk does not warrant the accuracy or completeness and disclaims any liability for errors, omissions or performance of the stated terms.