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Denny Umphreys - VanDyk Mortgage

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United States
Clearwater, FL
Denny Umphreys - VanDyk Mortgage

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Denny Umphreys, Loan Originator, NMLS #1319463 | VanDyk Mortgage Corp. NMLS # 3035 | Equal Housing Opportunity

As a national Mortgage Banker, we have been committed to providing residential 1 to 4 family home loans to consumers for over 30 years. We currently have over 500 employees with 93 branch office locations in 38 states across the U.S. During our tenure, we have closed over 100,000+ home loans, maintained a 99% customer satisfaction ratio* and an A+ rating from the Better Business Bureau. We are an approved FannieMae, FreddieMac, GinnieMae seller/servicer as well as an FHA/VA DE lender. These affiliations give us direct access to the capital markets that are passed on through great pricing to our borrowers. All our loans are originated on a direct retail basis and service many “in house” on our own portfolio.

11/02/2026

An extra hour, a warm cup of coffee and nowhere else to be. We'll take it. Hope you enjoyed that extra hour of home sweet home!

10/30/2026

When it comes to your mortgage, you deserve more than a name on a screen. You deserve someone who knows your community, understands your goals, and is here when you need them.

At VanDyk Mortgage, local means personal. And we think that makes all the difference.

10/28/2026

We all have that one Halloween candy we just can’t resist. Reese’s? Elite. Kit Kats? A classic. Candy corn? Well, we’ll let you decide.

When it comes to homebuying, the same approach applies. Your mortgage shouldn’t be a one-size-fits-all situation. A good lender helps you sort through the options, asks the right questions, and finds a loan that fits your goals instead of just tossing something in your bag and hoping for the best.

10/26/2026

An Adjustable-Rate Mortgage (ARM) doesn’t have to be scary! Your rate starts fixed for a set number of years before it can adjust, which could mean a lower starting rate compared to some fixed-rate options. Just keep in mind, your payment could change later.

The monster might be fictional, but understanding your mortgage options is no Halloween trick. Let’s talk through what makes sense for you!

10/23/2026

It would show up dressed as a superhero, cape and all. 🦸 VA home loans offer eligible veterans and service members benefits like no down payment in many cases and no monthly mortgage insurance. Now that’s a costume with some real perks!

10/21/2026

One of the best parts of owning a home? You can paint the walls whatever color you want without asking your landlord first. 🎨 From a bold accent wall to finally getting rid of that rental beige, sometimes making a house feel like yours starts with a little paint and a free Saturday.

10/19/2026

POV: You thought there was one way to get a mortgage, then your VanDyk loan officer shows you just how many options are actually on the table. Suddenly, things are looking a whole lot better.

10/16/2026

A detached garage is one thing. A house with a full mother-in-law suite, separate kitchen and its own bathroom? Now we’ve got questions. Guest houses, mother-in-law suites and converted garages can sometimes affect how a property is evaluated and what loan options may work. If the house has a little something extra going on, let your lender know early. Better to uncover the spooky details before closing than after.

10/14/2026

Self-employed borrowers can have a few extra steps when it comes to documenting income, especially if business expenses affect what shows on the tax return. If you work for yourself, talking to your lender early can save you from a paperwork jump scare later.

10/12/2026

When your family keeps growing, so does the need for space. If you’re starting to wonder whether your current home can keep up with your crew, it might be time to see what moving into a little more room could look like.

Address

2401 West Bay Drive Unit 101
Clearwater, FL
33770

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+18138109108

Website

https://dennyumphreys.vandykmortgage.com/

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