Loan programs
Mortgage solutions shaped around real homeowner goals.
The VanDyke Mortgage Team shops New American Funding overlays so your file fits the guideline — conventional, FHA, VA, self-employed, Non-QM, investor, and reverse.
Conventional
A strong fit for well-qualified buyers, repeat homeowners, and households looking for stable payment planning.
FHA
A more approachable starting point for buyers who want a structured path and a guided conversation before applying.
VA
Created for eligible active-duty and Veteran service members, with no down payment and no monthly PMI for many qualified borrowers.
Self-Employed
Mortgage planning for business owners, freelancers, and independent earners whose income documentation is more layered than a W-2.
Non-QM
For borrowers exploring non-qualified mortgage options when a conventional box is not the right fit.
Investors
Financing conversations for real estate investors who need a practical next step, not a teaser rate.
Reverse Mortgage
Guidance for eligible homeowners who want to understand whether a reverse mortgage belongs in the plan.
USDA
Zero-down options in eligible geographies through New American Funding, subject to income and property maps.
Jumbo
High-balance conventional and jumbo files when the purchase price is above conforming limits.