Name

Justin Kaatz, CMP

Company

ASAP Mortgage

E-mail

Contact Justin Kaatz, CMP (ASAP Mortgage)

Website

http://www.asapmtg.net/

Office Phone

(608) 237-8900 x 14

Cell Phone

(608) 347-3424

Alt. Phone

(866) 276-9055

Fax

(608) 237-8907

Address

1250 Femrite Dr, Suite 105, Madison, WI, 53716

Description

Certified Mortgage Professional Serving all of Wisconsin - Purchase Specialist - First Time Home Buyers - Madison Resident Serving the Community. Count on HONESTY, PROFESSIONALISM and QUICK DELIVERY!

About Me:

Madison Wisconsin Mortgage Refinance and Purchase Broker

Are you a Madison (or Wisconsin) first time home buyer that needs to purchase a new home with a no money down mortgage, even with less-than-perfect credit? Or are you just a current Madison homeowner who needs a Madison Wisconsin mortgage refinance for a lower interest rate, to consolidate your high interest credit card debt or take cash out? As a Madison mortgage lender and city resident I enjoy assisting fellow city residents with their mortgage refinance and home loan needs. The most exciting part is that regardless of your employment, credit or income situation I can get you financed. If I can't get you approved the day we talk I will tell you what to do to get approved. Call or fill out the Loan Application today to discuss your unique mortgage goals and the exciting options I can offer to make them a reality!

• 100% No Money Down Mortgages
• FHA Home Loans
• MyCommunity Home Loans
• VA Home Loans
• First Time Home Buyer
• Bad Credit Home Loans
• Debt Consolidation Refinance
• ARM to Fixed Rate Refinance
• Lending in ALL of Wisconsin
• 40 and 50 Year Fixed Rate Mortgages
• Foreclosure and Chapter 13 Bankruptcy Refinances
• Pay Option ARMs with Rates as Low as 1%
• No Doc and Stated Income Mortgages
• Jumbo Mortgage

Credit Repair Service
All Credit Situations Accomodated!

By using the aggressive Madison Wisconsin mortgage refinance and VA and FHA purchase mortgage programs above I am able to help many state residents become first time home buyers or assist current home owners refinance their current mortgage for a lower interest rate or to pull cash out to consolidate their debt! I can do this for home owners in any credit situation! Feel free to call me or fill out the Loan Application when you are ready to do business with a Madison Wisconsin mortgage lender that has access to the newest and best mortgage programs and a Madison mortgage company that will put you first! Call me today for your FREE no obligation mortgage pre approval!



Details of Service Offered: For great credit - whether it's a fixed rate, jumbo loan or ARM, I will have the lowest rates based on today's market conditions. Borrowers cannot get access to the wholesale divisions of mortgage bankers and portfolio lenders without going through a broker. Banks cannot compete with the large number of wholesale lenders I have competing for my business, which allows me to give you the lowest rate and the best program to fit your financial situation. I can still help even if you have issues with your credit or if you have recently discharged a Bankruptcy. I have many programs available for people that have had credit difficulties; these programs allow you to be one day out of Bankruptcy, currently in Foreclosure, delinquent on your credit or even enrolled in credit counseling.

What makes my services unique? I will go out of my way to make your experience better. If you have had a bad experience with a broker in the past, let me know of the situation and I'll be sure to patch up their mistake by making your new experience three times as good. Your complete satisfaction is my future!

Who do I work with? The following are my Trusted Affiliates. I have started a network and it benefits all parties involved! Contact me if you would like to become part of my network.
Pamelyn Meller - Real Estate Agent
Bill Kneebone - Inspector
Jessica Townsend - Appraiser
Katie Thomson - Insurance Agent

Areas of Expertise

First Time Home Buyers

I specialize in helping First Time Home Buyers find the best mortgage for their current financial situation. I network with Realtors by sending new buyers their way and getting their current buyer's loan closed in a timely fashion. Zero money down, one low fixed rate!

Investors

I can lend 100% of the purchase price on non-owner occupied properties. This may be very appealing to investors who would rather borrow 100% instead of taking out a home equity line of credit to put a down-payment on a house. I also have negative amortization loans for investors who would like to maximize cash flow while renovating a house so they can sell it for a profit after the renovation is complete.

Low-Income Borrowers

Don't think you can afford to own a home? Let me show you a comparision of your current situation paying rent versus becoming a homeowner. Many renters are un-aware of the costs included of being a homeowner as well as the tax benefits at the end of each year.

Purchases

Whether you're a First Time Home Buyer or not, I will be able to provide you with the best scenario to fit your current situation.

Get the best mortgage loan for you

When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you.

Buying a new home is a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.

Refinancing your current mortgage has never been easier. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We can even help you pay down your balance more quickly for comparable monthly payment. Let our professionals guide you to the very best refinanced loan!

Tapping into your home equity is easier than ever before. You've been paying down your balance, and property values have gone up! Tap into that wealth and reward yourself. We'll help with the best program to fit your goals.

Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing and mortgage or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anybody else!

Mortgage Broker vs. Loan Officer
When you're looking to get a mortgage loan, you may work with a loan officer or you may choose to work with a mortgage broker.  People often confuse the two job types even though both will glean the same results: a new home. However, it is important to understand the difference between the two types of jobs so you know what to expect from them during the mortgage application process.

A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan.

Mortgage brokers are the middle man between you and the lending institution, which can be a bank, trust company, credit union, mortgage corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.

A loan officer is a representative of a lending institution, such as a bank, who works to sell and process mortgages and other loans originated by their employer. They often have a wide variety of loans types to draw from, but all originate from that specific lender.

Also known as a loan representative or account executive, loan officers represent the borrower to the lending institution and will guide him or her through the selection, processing and closing of mortgage loan. Loan officers can be paid a commission or salary for their services.