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Conventional Loans
Fixed and adjustable-rate options for qualified buyers.
REO Property Financing
Get Pre-Approved →
Built to move quickly when the property, timeline, or borrower scenario is anything but ordinary.
Loan Solutions
Buying to live in, rent, or renovate.
VanDyk Mortgage specializes in financing designed for REO timelines and unique property scenarios. Whether you are buying a home, adding a rental, or renovating an REO property, our team can help keep the transaction moving.
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FHA Loans
Down payments as low as 3.5% for qualified buyers.
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VA Loans
As low as 0% down, with no monthly mortgage insurance required for eligible borrowers.
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Non-QM Loans
Flexible options including bank statement, 1099, P&L, asset depletion, and alternative income documentation.
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Investor Loans (BPL)
Rental, DSCR, fix-and-flip bridge financing, REO rehab projects, and multifamily 5–10 unit scenarios.
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Jumbo Loans
Financing above conforming limits, including higher-priced homes and flexible asset-based qualification.
How It Works
Close quickly and confidently.
REO deals can move fast. Our process is designed to help you understand your budget early, choose the right financing path, and stay on track through closing.
Get Started01
Get Pre-Approved
Know your budget before the offer so you can move quickly on REO opportunities.
02
Identify the Property
Your agent finds the REO listing and we assess financing options for the property scenario.
03
Submit the Offer
Present your offer with a VanDyk Mortgage pre-approval letter.
04
Underwriting & Appraisal
We verify borrower information and confirm the home's value.
05
Inspection & Final Conditions
Complete the property inspection and any remaining loan requirements.
06
Close Quickly
A streamlined process built around tight REO closing timelines.
Why VanDyk
REO lending built around speed and flexibility.
From pre-approval through closing, the goal is simple: fewer surprises and a financing path that fits the transaction.
✓Streamlined process for tight REO timelines
✓Fast closings designed to keep deals moving
✓Speedy pre-approvals before the offer
✓Dedicated support for agents and brokers
✓Primary, rental, or renovation eligible
✓In-house insurance and title for faster closings
✓Flexible loan options for unique properties
Ready When You Are
Found an REO property?
Start with a pre-approval and get a financing team that understands REO timelines.
Apply Now →