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14555 N Scottsdale Road, Suite 350 Scottsdale, AZ 85254 Mobile (224) 300-1110 Tel (872) 249-0186 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Steven Katz
- SVP of Mortgage Lending
- Scottsdale, AZ Mortgage Loan Officer
- NMLS #223791
I’ll be with you every step of the way
Hi, I’m Steven. Since 1991, I’ve worked with everyone from first-time homebuyers to professional athletes, Hollywood executives, and high-net-worth clients. My organized and detailed approach to home financing has led to $1.5 billion in mortgage volume and recognition in Scotsman Guide’s Top Originator rankings. No matter your goals and circumstances, I’m excited to learn your story and help you plot a path to success with America’s #1 Retail Mortgage Lender.
I’m proud to provide a personalized approach to home financing that emphasizes quality loans over quantity. We’ll start your process by discussing today’s priorities and tomorrow’s dreams. Whether a conventional mortgage meets your requirements, a jumbo loan is a better fit, or you qualify for programs like FHA, USDA, or VA, we’ll find the right product for your plans.
I grew up in Milwaukee, Wisconsin, lived in Chicago for 36 years, and now reside in Scottsdale, Arizona, with my wife and two kids. In my spare time, I enjoy baseball, golf, hockey, and travel.
Steven’s testimonials
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.