Vincent J. Catania, Broker Cell: (831) 601.9694



Catania Real Estate


Currently the Terms and Conditions to qualify for a Loan seem to change almost on a weekly basis. With that said, Banks are Lending Money, we just have to supply them the proper information.

There are still some programs out there for a low down payment, FHA or 5% down Conventional or 100% loans, USDA. All of the programs are considered “Full Doc” loans where you must provide, proof of employment, tax returns with W-2’s, bank statements, and verification of funds for the down payment and closing cost.

All Purchase Contracts must have a Pre-Approval Letter attached when submitting the Offer. Therefore it is best to meet with a Loan Consultant prior to looking for a home so you can find out the Price Range of the house to search for with a payment you are comfortable with.

I associate with many Lenders who can offer competitive rates and terms, and sometimes products not offer and major lenders. So just ask, and I can refer you to someone to fit your needs.

I will be happy to set up a No Obligation appointment with one of our Professional Loan Consultants.

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Adjustable - An Adjustable Rate Mortgage, or ARM, is a type of mortgage in which the interest rate is adjusted up or down, in accordance with current interest rate levels. The interest rates are tied to an economic index outside of your banks control, such as the Treasury bill rate. Your monthly principal and interest payment will fluctuate with these rate changes. Initially payments will be less than with a fixed mortgage, making this type of mortgage attractive to short-term buyers. Note: Inquire on the "cap", or maximum interest level your mortgage can reach, since it is possible for rates to raise significantly during the term of your mortgage.

Fixed - A fixed rate mortgage, on the other hand, uses both a fixed term (length of time) and fixed interest rate. At the start of the mortgage the rate and term are determined, and as a result the monthly amount for principal and interest payments remain constant for the duration of the mortgage. Fixed rate loans are more attractive to home buyers who plan on spending a long time in their home, or expect no major change in income.

Assumable - Sometimes homebuyers can find a loan which is "assumable." With an assumable loan, the current sellers lender is willing to transfer the existing loan to you, either at the previous interest rate or the current interest rate. Assumable loans are attractive to buyers because they usually require less paper work and less time.

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