I started my mortgage career 20 years ago with one goal in mind, 100% customer satisfaction! In a world where personalized service seems to be disappearing, I am always available to make customers feel comfortable and confident throughout the entire mortgage process. 

Loan programs include:

USDA/RD
A USDA/RD Mortgage provides low-cost, low rate home mortgages with zero down.

FHA
FHA mortgages have a low down payment of 3.5%.  

VA
These loans allow for zero down payment mortgage for a qualified Veteran.  

CONVENTIONAL
Available in 30, 20, 15, and 10 year terms with as little as 5% down.  

Homeready/Home Possible
This program is for borrowers with moderate income and only requires 3% down.  

Loan programs offered: 

USDA/RD
A USDA/RD Mortgage provides low-cost, low rate, insured home mortgages for people who want to become home owners with no money down.  USDA/RD loans are a true zero down loan and require no cash reserves.

FHA
This is the standard HUD insured loan used for the purchase or refinance of an owner occupied property.  A 3.5% down payment is required for purchase, and the funds can come from the borrower or as a gift from a relative.  This type of loan will also allow for a co-signer, such as a parent or other relative. 

FHA 203k
The FHA 203k program is designed for a homeowner to purchase or refinance a home and have available funds for renovation to the property. The work must be done by approved contractors in a fixed amount of time.

VA
Loans insured by the Veteran’s Administration are available for qualified Veterans only.  These loans allow for 100% financing on the purchase of a primary residence without the need for PMI.  There will be loan limits based on the county where the property is located.

CONVENTIONAL
Available in 30, 20, 15, and 10 year terms with as little as 5% down.  These loans can be used for the purchase or refinance of a personal residence, second home, or investment property. 

FNMA 97
This program is for first time home buyers(no ownership within the previous 3 years) and only require 3% down.  If you are under the median income for the county, you can also get reduced PMI amounts using the MyCommunity Mortgage(online home buyer counseling is required).

JUMBO
Our Jumbo program provides fixed and adjustable mortgage rates that are roughly equivalent to those of conforming conventional loans rates.

BRANCH MANAGER

302 Cadillac

Dishinger

VanDyk Mortgage Corporation

Scott Elgas

Branch Manager

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Cadillac - 302

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