Stephen Katz Mortgage Blog

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Mortgage and Lending - Katz Mortgage Team, a branch of VanDyk Mortgage Corporation
RECENT BLOG POSTS
Today, we'll discuss the home inspection process. The home inspection is a crucial part of the process for both the buyer and the seller, although it is designed primarily to protect the buyer.  When you're looking at a house, you want to be able to focus on whether or not it's the right house fo...
08/09/2017
We have been in business for over 20 years here in Atlanta and are local. If you want to close your loan on time, it's best to work with a local lender, like us! We have local staff and will ensure your deal gets closed on time.Availability is the most important aspect of any company’s customer s...
08/04/2017
Today, we’re going to talk about why some loans fall apart before they get to the closing table. 1.    Misinformation. Now, the client is not misleading anyone on purpose. Once you’ve made an offer on a home, we will start to verify the information you submitted for your pre-approval. Let’s say y...
07/26/2017
Are you a first time home buyer? Are you trying to determine your budget? We (lenders) are more than happy to help you find your answer(s), but here are some tips to get you started:One of the first things that you’ll want to look at is your credit. If you do not have any credit established, you’...
07/19/2017
Are you looking to buy your first home? Well look no further, because I’m here to walk you through the entire process!Step 1: Determine if you are ready to purchase a house. This is something that only YOU can decide, however, here are two key points to keep in mind:-          Why do you want to ...
07/13/2017
Are you a renter who is looking to purchase a home of your own? If so, you've come to the right place!Many of our clients have said to us that they wish they would have made their purchase years ago, instead of renting for a long period of time. With interest rates as low as they are, we want to ...
07/07/2017
The number one question that we get asked every day from potential clients is, “What is your current interest rate?”If only that question had a simple answer. If it were as easy as just spouting off a percentage, you might not even need us. That’s because understanding and getting your interest r...
06/28/2017
Have you ever been rejected for a mortgage due to your debt-to-income ratio? Or know someone who has? Well good news: starting July 29, Fannie Mae is raising the DTI ceiling to 50 percent! Currently, it sits at 45 percent.Never heard of DTI? Debt-to-income ratio takes your gross monthly income an...
06/21/2017
Today, we’ll talk about what title insurance is and exactly what you’re paying for.Whenever I sit down with a borrower, they ask what fees they can expect when they’re getting ready to close. One of those components is title insurance, which can be kind of pricey, but is very important. The impor...
06/15/2017
Today, I’ll discuss the importance of the pre-approval process. The pre-approval process is imperative and essential to be completed prior to you making any offers. The listing agent and seller typically require a pre-approval letter to accompany your offer with the Realtor you work with.This pro...
06/07/2017
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Stephen Katz

Branch Manager, CMPS
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