Senior Mortgage Consultant
We make the home loan process as simple as possible by guiding you through every step.
7231 S. Tamiami Trail
Bradley is a 11 year veteran of the company, joining in 2007 as an Operations Associate. He assisted with the processing, underwriting and closing of loans, and he gained extensive expertise of the mortgage process from origination to close. In 2008, Bradley joined a top-producing group in Bethesda, MD as a Sales Assistant, and then quickly moved into loan origination as a licensed Mortgage Consultant contributing to the groups' over $100 Million in annual closed loan production.
In 2014 to present, Bradley serves as the Senior Mortgage Consultant in our Woodley Park, Georgetown, and Logan Circle offices in Washington, D.C. where his group is consistently recognized by their clients and peers for their sound mortgage advice, professionalism, and integrity. He constantly strives for an excellent customer experience which is reflected in his group’s 5-Star rating from past client testimonials on Zillow. Bradley is a top producing originator and member of the company’s prestigious Elite Team & President’s Club with over $74 Million in loan volume originated in 2017.
Licensed in Washington, D.C., Maryland, and Virginia.
301-943-9316 | Bradley.Katzen@phmloans.com | NMLSR ID: 202934 | Client Reviews
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Pathway To Prosperity
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Pathway To Prosperity
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I'm here to answer allyour mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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