Sammie Kubiak

Sammie Kubiak
Brittany Dunkle
Sammie Kubiak
Collette Peters
Miranda Balkema
Brittany Dunkle
Carol Dupuis
Hunter Fox
Mickie Gomez
Sammie Kubiak
Kristine Kuss
Sophia Morales
Alicia Nyquist
Heidi Parkinson
Collette Peters
Santino Rumore
Rayna White-Jenkins
Alyssa Devries
Carol Dupuis
Hunter Fox
Mickie Gomez
Gail Januszewski
Samantha Kubiak
Alicia Nyquist
Angela Ross
Santino Rumore
Clint Anderson
Carol Dupuis
Mickie Gomez
Gail Januszewski
Sammie Kubiak
Santino Rumore
Carol Dupuis
Mickie Gomez
Sammie Kubiak
Santino Joseph
Carol Dupuis
Monique Garica
Mickie Gomez
Samantha Kubiak
Santino Rumore
Mandy Tenharmsel
Brad Chatel
Stacey Dettling
Carol Dupuis
Monique Garcia
Michael LaRose
Whitney Smith
Mandy Tenharmsel
Lisa York
Dani McInnis
James Beebe
Monique Garcia
Gail Januszewski
Dani McInnis
Whitney Smith
Mandy Tenharmsel
Lisa York
April 23, 2025
Please be sure that you are using Polly to request lock extensions. We have seen an uptick in extensions submitted through the Lock Request Form in Encompass, which does not extend the lock and does not notify Secondary of the request – causing your lock to expire. Please review this Polly how-to for lock extensions. If you have any questions, please reach out to Secondary@vandykmortgage.com.
We are pleased to announce that we have added two new Jumbo outlets to the mix. Effective today, you will see PennyMac and Radian in Polly as pricing options on Jumbo loans. PennyMac’s guidelines will be in Allregs and the Radian Jumbo Matrix is available in Seafile, under Products and Programs > Jumbo.
We are in the process of adding Plaza Home Mortgage to our approved in-house renovation product offerings. Please be on the lookout for an invite to renovation training from Plaza in the coming days.
The tax filing date for 2024 has passed, which means we will either need the 2024 tax return or proof of extension when returns are required. Please refer to the Tax Return and Transcripts Cheat Sheet for more details.
It’s time to book your stay for the 2025 VanDyk Mortgage Sales Fly-In!
Event Dates:
August 21–23, 2025
We’ll kick things off with the Welcome Party on the evening of August 21, and wrap up after our final sessions on August 23.
For those who want to come in early or stay a little longer, our group rate is available from August 20–24.
Hotel Info & Booking Link:
Delta Hotels Muskegon Convention Center
Group Rate: $239/night
Last Day to Book: Monday, July 21, 2025
https://www.marriott.com/event-reservations/reservation-link.mi?id=1744898722861&key=GRP&guestreslink2=true&app=resvlink
Prefer to book by phone?
Call 1-833-999-0181 and ask for the VanDyk Mortgage Sales Fly In (VMF) Group Block.
If you have any questions about your reservation, don’t hesitate to reach out. We can’t wait to see you in Muskegon for another unforgettable Fly-In!
As a reminder: our access to AllRegs is back! If you previously accessed AllRegs with your VanDyk email, your existing password may allow you to login with no issue. Otherwise, you can reset your password here. New users can self-register for an account using this link and Subscription ID 423409-66.
We’ll be hosting a 30-minute AllRegs training on Monday, April 28 at 3pm ET/12pm PT. Watch your inbox for an invitation.
Check out our upcoming focused sessions, and reach out to the Marketing team with any questions!
Marcie Anderson – LO, Branch 264 |
Maira McGonigal – Marketing Administrator, Corporate |
Erin Frost – Underwriter, Corporate |
Agency Updates
Freddie Mac
FLOOD INSURANCE PREMIUM USED FOR QUALIFYING: Freddie Mac initially proposed changes in how we qualify a borrower with Flood Insurance Premiums last fall which was then extended to 2nd quarter 2025. In response to industry feedback, Freddie Mac is delaying until further notice.
VA
Effective immediately, VA is eliminating the need for a VA-issues builder ID on a new or proposed construction property for VA-guaranteed loans. Builders are still expected to meet any state and/or local licensing requirements.
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Upcoming Events and Reminders
Miss a training? You’ll find our monthly newscast and Iron Sharpens Iron recordings in the VDM Vault. Department-specific trainings are shared in their respective Seafile folders.
Don’t forget: you can find invitations on our shared calendar under What’s Happening at VDMC.net (all times posted on the What’s Happening calendar are EST)
Help Us Help You
As things get busier, we wanted to send a quick reminder. When emailing a question to any of our support inboxes, please include all relevant details. For example, the AskUW team can’t provide guidance on a scenario if the loan type isn’t included in your request.
We’re here to help as quickly as possible, but missing key information can delay our response. To keep things moving smoothly, make sure to include everything we need from the start. This helps us get you answers faster!
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25 Points