Katz Mortgage Team | Home Loans | Mortgage Professionals
Represented by VanDyk Mortgage

HOME   |   ABOUT US   |   CONTACT US   |   APPLY ONLINE   |   866-742-8400

A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time — and money.

In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time -- and money.
In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

Mortgage Loan Process

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000
Mortgage Loan Programs

Tools and Resources:    

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Tools and Resources:     

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Mortgage Loan Tools

What people are saying…

Reviews on Zillow
LR-QTZSZVB
"Excellent service, very responsible. Great team, always. Very attentive and very diligent. Smooth process. You don't waste time, all documents are electronic and easy process."
5.0/5.0
by Jose Cornier
"We needed a fast loan commitment and could not afford any delays because our seller was very difficult, and if we couldn’t provide a commitment letter on time..."more
5.0/5.0
by kathi75
"Working with VanDyke is always pleasant and informative. They keep you on the same page and answer any questions you may have. They are very concerned about your..."more
5.0/5.0
by KevinJ Brooks
Kudzu Best Of

Mortgage Advice Column

3 things to avoid after applying for a Mortgage



What exciting news after you found a home to buy and have applied for a mortgage! But, before you begin the mortgage process, it’s important to keep your finances as similar as possible until the closing day. While you’re waiting to close, a few helpful tips may help the process go as smooth as possible.

Don’t make any large purchases
You have found the perfect home after months of searching. You are getting excited and can’t wait to move in. You begin to picture how your living room would be like with your new furniture. You are already in buying mode, especially after finding out your credit score is good. What could go wrong when making any major purchases at this time?

Unfortunately, making purchases at this time could jeopardize the closing and funding of your new home. You don’t want to lose an opportunity on purchasing your new home. So, do not make any large purchases like furniture, a car, a boat, or jewelry.

Don’t change jobs
If you immediately switch one job to another with a different career field or take a lower or higher paying job, you may have a harder time getting your loan approved. This is because underwriters will request at least two years of work history. Changing jobs during your mortgage application process will raise a red flag.

If you’re aware that your job position or pay structure may change during the process, make sure you let your loan officer know.

Don’t apply for new credit
We are marketed with all kinds of credit opportunities, especially with great deals like “save an extra 20% on your purchase today.” The list goes on, but it doesn’t matter whether it’s a new credit card or a new car. When you have your credit report run by organizations in multiple financial channels, your FICO score will be affected.  Avoid applying for credit of any kinds whatsoever. Your pre-approval was based on the day your credit profile and score was applied. Remember, your goal is to keep your mortgage process running smoothly.

In general, don’t do anything that will make a significant impact on your finances without consulting a mortgage professional first. Please don’t hesitate to reach out to us, we’re happy to help you make the best decision.



See Older Posts...

National Rate Trends

Mortgage Rate Quote

Stephen Katz on Zillow

Free Mobile App:


Mortgage Mobile App

Download my App for Free and you will have instant access to some really helpful tools!

Free Mobile App:

Mortgage Mobile App

Download my App for Free and you will have instant access to some really helpful tools!

Follow Us:
facebook
linkedin
Call Us:
NMLS Consumer Access
Stacks Image p3287_n19
US Department of Housing & Urban Development
Equal Housing Lender
Mortgage Bankers Association

VanDyk Mortgage Atlanta Branch: 800 Johnson Ferry Road, NE, Atlanta, GA 30342 | Phone (770) 552-1000 | Privacy Policy | All Rights Reserved
VanDyk Licenses | Fair Lending Policy | Security Policy | Complaint Resolution | General Disclosure | Terms and Conditions 
VanDyk Mortgage Corporate Address: 2449 Camelot Ct. SE, Grand Rapids, MI 49546 | (888) 482-6395
We Lend in: FL, GA, NC, SC, TN, & VA – Corporate NMLS #3035 – Georgia Residential Mortgage Licensee #22013 | Virginia State Corporation Commission MC-5511.
Texas disclosure | This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located
in the state of New York will be accepted through this site.