house: Is a One-Story Home better than a Two-Story Home? - 10/17/18 12:38 PM
You probably have an idea of what type of home appeals to you most. People will find one-story homes also known as Ranch style more appealing than a two-story home, but that’s a matter of personal taste and architectural style. Whether you have an eye on a bungalow or a colonial house, one-story ranch home has plenty of positive aspects.
Here are some factors to consider on a one-story ranch style home:
Quieter living
Let’s face it, there’s no up-stairs so you won’t hear a lot of jumping and running around from above. If you have kids, a one-story home might be a nice … (0 comments)

house: The Cost of Renting vs. Owning a Home in Georgia - 04/18/18 01:26 PM
Renting or buying a home has always been a challenging decision.  When you think about buying a home, many questions arise. Location primarily comes first to mind, followed up with mortgage payments, property taxes, additional fees, and questioning if the house is up to date. Suddenly you find your head spinning with many questions, but believe it or not, purchasing a home is quite the best option.
 
On Average, the monthly rent in Georgia is $1,200 while the monthly mortgage in Georgia is $1,029.

According to Zillow's 2017 statistics, the percentage of income needed to rent a median-priced home today (25.9%) vs. the percentage needed … (0 comments)

house: Your Mortgage Survival Guide - 03/14/18 01:30 PM
Are you a first-time homebuyer? Obtaining your first mortgage can be scary and confusing. We outlined the entire process for you to help set your mind at ease!
Step 1: You will need to get pre-approved (or at least pre-qualified).
It is important to know what loan amount you are approved for so that you can start looking for houses within your price range. For a pre-approval, you will need to provide us, your lender, with your driver’s license, social security number, marital status, contact information, most recent bank statements for all accounts, employment information, most recent 30 days paystubs, most recent 2 … (1 comments)

house: How To Sell Your Home For Top Dollar - 02/21/18 01:28 PM
There are some things that you should consider if you're about to list your home for sale, especially if you're trying to find the most accurate price possible.
 
 
You have to think of your home as a product when you sell it, so you have to figure out how to attract these buyers to your product.
 
A lot of people think they can overprice their home and then come back down on the price if they don't get any offers, but this is a risky move. You run the risk of alienating yourself from buyers because they simply don't respond well to overpriced … (1 comments)

house: How To Win A Bidding War - 02/07/18 01:24 PM
It happened, you found your perfect house. Congratulations, you’re one step closer to homeownership! You reach out to the listing agent, only to find out that someone else wants the house too. Now you are faced with a bidding war (wait… what?). Before you start to panic, we’re here to explain how to come out on top!
       Don’t bid more than you can afford Talk to your lender first before you decide how much money you are going to bid. Ideally, you should talk to us before you even start your house search. We will be able to tell you … (1 comments)

house: Should You Sell Your Home Occupied or Vacant? - 01/19/18 01:15 PM
If you're selling your home, you're probably wondering whether you should move out now or wait until you have found a buyer. There isn't an easy answer to this - whether you should move before you sell is dependent on many factors.
 
 
Do you have a lot of stuff in your home? Does the home feel cluttered? If the answer is yes, you have two options: one, thin out the furniture or, two, completely move out so the home can be shown in its entirety. If a home has too much stuff in it, it will feel cluttered.
 
Another thing to consider … (1 comments)

house: How Can A Pre-Approval Simplify Your Home Search? - 01/10/18 01:02 PM
If you're thinking about buying, how do you find out how much home you can actually afford? This is a question we get all the time, and would love to answer for you.
The very first thing to do if you want to buy a home is to get pre-approved. The pre-approval is free, and you can figure out exactly how much house you can afford.
Once you have been pre-approved, you can begin looking at all your financial options and figure out the plan that works best for your needs. Often, you will be approved for more than you can really afford, … (0 comments)

house: What Should You Do to Prepare Your Home for Winter? - 01/03/18 12:06 PM
Today we are excited to discuss an important topic that you need to know about this time of year. It’s important to be prepared for winter so you don’t have any big costs or repairs to do during the long, cold months ahead. We’ve got 5 great ways that you can winterize your home, and here they are:
 
Have your furnace looked at by a professional. Look at the weather stripping around your windows and doorways, make sure it’s sealed tight. Disconnect any hoses out from the side of your house so you don’t have to deal with any frozen pipes. … (0 comments)

house: Why Winter Is a Good Time to Sell - 12/27/17 01:37 PM
 
Today, we'll go over selling your property in the winter season. The conventional wisdom is that you shouldn't sell your home in the winter because no one wants to buy a home and move during the holidays. However, we've seen that winter is one of the best times to sell and get top dollar.
Why? It's a simple matter of supply and demand. Due to the conventional wisdom out there, many people opt to wait and sell in spring or even take their homes off the market during the fourth quarter. This leads to a shortage of inventory.
No one wants to move … (0 comments)

house: Five Reasons To Buy A House In Atlanta Now - 11/29/17 11:55 AM
Are you considering buying a house in Atlanta? Read on to find out why we think you should buy now!
1)      House values are up by about 10% since last year
This number is based on the data reported by Zillow. Home prices will be higher than they were over the past year or two. Therefore, it is crucial to know exactly how much house you can afford. We can help with that! Once you are certain about your price point, it is important to buy your dream house while you can still afford it.
2)      House prices are expected to keep rising
Adding on … (0 comments)

house: How To Get Your Home Search Off To The Right Start - 11/22/17 10:46 AM
Today, I want to share some tips on how to begin the home buying process. It can be confusing, so starting off on the right foot is crucial!
One of the first things you want to do is talk with a lender. Too often, when people want to buy, they are in a big hurry to go out and look at homes; it’s an exciting time and they want to jump right in. However, it’s key to take a look at financing before you start getting excited about homes. There’s nothing worse than falling in love with a home only to find … (0 comments)

house: What Should You Avoid When Purchasing A New Construction Home? - 11/15/17 01:53 PM
Are you thinking about building a new home from scratch? If so, take note of these three things you need to avoid! We have a lot of experience in new construction properties and would love to make the process as smooth as possible for you.
1. Hire a Realtor. An experienced Realtor knows what to look for when buying any type of property. Sure, the new construction builder has a Realtor on site, but that agent is only there to advocate for the seller. For guidance and representation, you need to hire a Realtor who will advocate for you! If any issues … (0 comments)

house: The First Step In The Home Buying Process: Getting Pre-Qualified - 08/25/17 11:39 AM
Have you ever wondered what the first step in the home buying process is?
 
Before you even start looking at homes, the first thing you need to do is get pre-qualified. The process is simple! Just give us a call, talk to us about what you want to do, and then we will take your personal information, income, and assets to figure out what kind of loan you will qualify for.
 
A pre-qualification is different from a pre-approval. The pre-qualification is more of a preliminary step. A pre-approval is when the we go through and verify the information you provided during the … (1 comments)

house: Loan Q & A: I want to sell my home myself (FSBO), but I am worried about the safety of my house and my family - 07/02/07 06:12 AM
Stan G. in Alexandria, VA asks:The real estate market I live in is still hot. I want to sell my home myself (FSBO), but I am worried about the safety of my house and my family. Any suggestions?Stan, This is a real concern and should be discussed with your family before the house is put on the market. Here are some suggestions:Never show the home alone or let anyone in your family show it alone. Have a neighbor come over if you need another person.Make everyone set up an appointment. Get their phone numbers in case you need to reschedule and … (4 comments)

 
Stephen Katz, Branch Manager, CMPS (Katz Mortgage Team, a branch of VanDyk Mortgage Corporation)

Stephen Katz

Branch Manager, CMPS

Atlanta, GA

More about me…

Katz Mortgage Team, a branch of VanDyk Mortgage Corporation

Address: 800 Johnson Ferry Road, Suite C, Atlanta, GA, 30342

Office: (770) 552-1000

Mobile: (770) 824-9777



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