“I will use David Viox each time I finance or refinance home. I will refer his services to anybody looking for home financing.”
Sharon W.
Cincinnati, Ohio

“Rob Young always answered the phone when I called and customer satisfaction is his top priority.”
Jatana A.
Lebanon, Ohio
 

FAQ

Why should I use a mortgage banker versus a regular bank?
As a mortgage banker, VanDyk Mortgage has wholesale mortgage relationship with numerous banks, mortgage lenders, and financial institutions across the country. Some of our mortgage banks include Countrywide, Wells Fargo, Citibank, GMAC, and Bank of America. With this wide variety of mortgage loan products we are able to structure the best mortgage loan with the best mortgage rates available.

What about getting a loan from someone on the internet?
There are good online mortgage lenders and bad online mortgage companies. The problem with the internet is that out of area mortgage companies can prey on people by advertising teaser rates and low closing costs then changing the terms at the closing table. Many of these same companies employ people and practices for a one time, charge the highest rate you can mentality. Other lenders follow the compliance rules by providing accurate good faith estimates and truth in lending disclosures. Every month we close several loans for clients in Virginia, Florida, Tennessee, and Colorado that are too far to drive to meet. We are able to do this by email, fax, and overnight delivery.

How long will it take to close my loan?
Our average closing takes about two weeks from the application until the loan is closed.
First we complete the loan application and gather proof of income and assets. Then the title report and appraisal are ordered. When we receive the appraisal the entire loan package is sent to underwriting. Time is saved upfront by knowing the underwriting guidelines and sending everything before they ask for it.