Financing Your Home

WHAT CAN YOU AFFORD?

When you work with Katz Group LA, we’ll guide you through the pre-approval process by connecting you with a lender if you’re not already working with someone. We’ll make sure you’re informed throughout every step of the process so we can get you pre-qualified for a loan and begin showing you property and writing offers on your behalf.


$ per month
Year Fixed. % Interest Rate.
Principal + Interest: $
Monthly Tax: $
Monthly Insurance: $
Term
yrs
Interest Rate
 % 
Down Payment
$
List Price:
$
Based on a fully amortized fixed rate loan. Ask your agent for the tax rates in your area. Insurance estimate is based on an average cost, your final premium cost will be determined by the type of coverage you select. This program only provides an estimate.
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Financing Your Future Home

  1. Get pre-approved for your loan
  2. Apply for a mortgage
  3. Get your home appraised
  4. Your loan goes through underwriting
  5. You’re cleared to close!
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Have On-Hand

  • A month’s worth of your most recent pay stubs
  • Copies of your las t two years’ federal tax returns and W-2s
  • The names and addresses of your employers over the las t two years, compiled into one list
  • Las t three months of bank statements
  • A copy of your real estate agreement
  • The names and addresses of your landlords over the past two years
  • Divorce/separation decree Child support papers
  • Bankruptcy, discharge of bankruptcy papers
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Make Sure To

  • Notify your lender of any address change, whether it’s your home address or another listed on your application
  • Notify your lender of any salary or wage changes
  • Be prepared to provide proof of significant bank deposits
  • Acquire homeowner’s insurance immediately after going under contract
  • Keep all forms of debt paid and in check
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Make Sure Not To

  • Make large purchases using existing credit without [first] talking to your lender
  • Apply for or acquire any additional lines of credit
  • Pay off, transfer, or close credit balances unless your lender instructs you to do so
  • Change jobs without
  • [first] talking to your lender
  • Co-sign for another person seeking to obtain a line of credit or to make a purchase
  • Pay off collections before conferring with your lender

Let’s Connect You With a Lender