Stephen Katz Katz Mortgage Team

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Stephen Katz Katz Mortgage Team

BUYING A HOME, SIMPLIFIED.

Watch this one-minute video to get started on your home buying journey.

Quick and easy application process
Expert guidance and personalized solutions
Always connected, fully transparent

Where do you think your credit score is?

What's your income like?

How much do you have for a down payment?

Do you currently own a home?

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What is your current rate?

Do you plan on selling your current property?

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Are you wanting to buy this year?

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Enter your information below to get your results...

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HOW DOES THE PROCESS WORK?

1.

Book an Appointment

Pick a day and time that works for you and receive confirmation / calendar invite.

2.

Your Personal Consultation

We'll meet via zoom or call to go over your situation and answer any questions you may have.

3.

Solutions and Next Steps

We'll provide you with loan solutions, and a pre approval to move forward with the next steps.

Stephen Katz

NOT SURE IF YOU'RE READY TO START?

The most successful buyers all have one thing in common: A game plan.


So even if you are months away from buying, it's important to connect with a pro and learn the steps you can take to be prepared.


It’s never too early to start the process.

DON'T JUST TAKE OUR WORD FOR IT

"The team was very helpful and resourceful for me especially as a first time buyer. They were always there to answer all my questions. They made the loan process seamless for me."

Itohan O

"We were able to close in 20 days which was a major factor in our offer being accepted. Stephen and his team were very responsive to any questions I had, and communication was excellent throughout the process."

Jo M

HAVE A MORTGAGE QUESTION?

How do I qualify for a loan?

How do I qualify for a loan?

Qualifying for a loan depends on several factors including your credit score, income, employment history, and debt-to-income ratio. We evaluate these factors to determine your eligibility and the best loan options for you.

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How can I improve my chances of getting approved for a loan?

How can I improve my chances of getting approved for a loan?

Answer: Improving your credit score, reducing existing debts, and ensuring a stable income can enhance your loan approval chances. We can provide personalized advice based on your financial situation. The best way to set yourself up for success is to get pre-approved early so we can look at your situation and give you a plan custom fit to your needs.

Do I need 20% down to buy a home?

Do I need 20% down to buy a home? 

Answer: No, you do not need 20% down to buy a home. There are loan programs available that allow for lower down payments, even as little as 3% down for qualified buyers. When you put less than 20% down you will have what is called PMI (private mortgage insurance). PMI is an amazing tool for homebuyers and is not something to be afraid of. We can help you explore these options based on your financial situation.

Can I get a loan if I have low credit?

Can I get a loan if I have low credit? 

Answer: Yes, it's possible to get a loan with low credit, though the options and interest rates may vary compared to those with higher credit scores. We offer a range of products that cater to different credit profiles and can provide guidance on how to improve your credit to qualify for better terms.

What is PMI, and is it bad?

What is PMI, and is it bad? 

Answer: PMI, or Private Mortgage Insurance, is a type of insurance that lenders require from borrowers who put down less than 20% on a home purchase. It protects the lender in case of default. PMI is not a bad thing; in fact, it is a very powerful homebuying tool. With decent credit PMI could be very cheap and allows buyers who cannot afford a 20% down payment to still purchase a home.

Didn't find your answer? Reach out to us, we're happy to help.
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