Justin's Blog

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Mortgage and Lending - ASAP Mortgage
Hello everybody my name is Justin and I'm a Licensed Mortgage Professional serving the whole state of WI. I am looking to pick up some useful information and possibly establish a few relationships through this website and blog!
RECENT BLOG POSTS
How can you improve your credit score?It's virtually impossible to change your score in the time between when most people decide to buy a home or refinance their mortgage and when they apply. So the short answer is, you really can't "on the spot." But there are strategies you can live with to mak...
04/29/2007
Are you a Madison (or Wisconsin) first time home buyer that needs to purchase a new home with a no money down mortgage or FHA home loan, even with less-than-perfect credit? Are you a veteran that needs a VA loan? Or are you just a current Madison homeowner who needs a Madison Wisconsin mortgage r...
04/24/2007
A bankruptcy filing delivers a devastating blow to your credit and FICO score, but it doesn't mean you have to wait 10 years before you can qualify for a mortgage. Many consumers who have filed for bankruptcy have been able to obtain a mortgage, although it is often at a higher rate than someone ...
04/24/2007
Your credit report is a record of your credit activities. It lists all of your credit card accounts and loans, the balances as well as your payment history. It also shows if any action has been taken against you because of unpaid bills such as a lawsuit or bankruptcy filing. Because businesses us...
04/24/2007
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What is a "rate lock period"? How can you make sure your rate is low?A rate lock or a rate commitment is a lender's promise to hold a certain interest rate and a certain number of points for you for a specified period of time while your application is processed. This prevents you from going throu...
04/24/2007
What information will be needed for the application (and how it's kept private)Anything you submit over my website is 100 percent, fully secure. And I never, ever share it with anyone except by permission -- that is, if you're giving me information you want me to use to get you the best loan, I ...
04/24/2007
An overview of the loan processMake no mistake, there's a lot involved in getting a mortgage loan. You wouldn't be here reading my blog if you could fill out a one-page application and get the best loan for you funded the same day. What I do is do most of the heavy lifting for you, so you can co...
04/24/2007
Should you talk to a mortgage professional before house hunting?Absolutely! Even if you haven't so much as picked out houses to visit yet, it's important to see your mortgage professional first. Why? What can we do for you if you haven't negotiated a price, and don't know yet how much you want to...
04/23/2007
Mortgage Broker vs. Loan OfficerWhen 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 th...
04/23/2007
In MN a new Predatory Lending bill recently passed the House of Representatives and is headed to the State Senate. A few of the highlights of the bill are as follows:- Eliminate ALL Pre-payment penalties (except for "A" paper loans)- Require all licensed Mortgage Originators (Brokers) to prove a ...
04/13/2007
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Justin Kaatz

CMP
local_phone60(823) 789-0014
smartphone(608) 347-3424
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Hello everybody my name is Justin and I'm a Licensed Mortgage Professional serving the whole state of WI. I am looking to pick up some useful information and possibly establish a few relationships through this website and blog!