Home Buyer Radio: Recent Episodes
Dan Moralez
So your thinking of buying a home. In this podcast I share with you insider secrets and tips on how to successfully purchase a home. In addition, I will interview industry experts on real estate trends to help make sure you have the most cutting edge information available.
In this weeks episode I talk about what a debt-to-income ratio is and why it is one of the most important ratios when it comes to a home loan. I explain what counts as part of your debt-to-income ratio and what doesn't. If you are in the market to buy a home, this is important information to understand as it will impact your ability to qualify.
If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet, let us help you with your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved
This week I talk about recent changes to mortgage pricing and how they can impact clients.
If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet, let us help you with your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved
This week Heather and I discuss the benefits of seller paid closing cost and how they can help you purchase a home sooner. If you want to know more about this great strategy, feel free to reach out to me and I can explain the options in more detail. Daniel J Moralez NMLS 709729 Phone 616-931-4629 www.danmoralez.com
This week Heather Klompmaker from EXP Realty and I talk about West Michigan's Lakeshore Housing Market. Heather gives some insight into current market conditions and what to expect as we head into the 2023 Spring Housing Market. If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet, let us help you with your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved
This week I talk about a big price change that will impact most clients looking to borrow. This price change is significant and will negatively impact most consumers. If you are in the market for a mortgage, my team and I would love to help you finance your new home. You can reach us online at www.danmoralez.com or at 616-499-1996. Dan Moralez Regional VP - Mortgage Loan Officer The Dart Bank NMLS #709729 616-931-4629
This week Rachel Gallegos and I finish up our 3 part discussion on the West Michigan real estate market. We talk about the importance of having a great agent on your side and share a story of what happens when you don't.
If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet, let us help you with your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved
This week Rachel and I talk about how people are the heart of what we do. I like to say we are here to serve and not sell. If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet, let us help you with your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved
This is the first of a 3 part series with Rachel Gallegos from EXP Realty. In this weeks episode we talk about general market conditions and how things have changed from this past summer. Rachel shares some great insight into current market conditions and what they mean to both buyers and sellers. If you are in the market to purchase or sell a home, you can reach Rachel at 616-566-2401 or online at www.legacyhomepartnersmi.com. If you are in the market to finance a home, my team and I would love to help you. You can find us online at https://www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Even better yet, let us help you with your next mortgage. Dan Moralez Regional VP - Mortgage Loan Officer NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved
This week I talk about why mortgage rates have been so volatile and the impact it has on clients looking to buy or refinance a home.
If you are in the market to finance a home, my team and I would love to help you. You can find us online at https://www.danmoralez.com or at 616-931-4629.
If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Even better yet, let us help you with your next mortgage.
Dan Moralez
Regional VP - Mortgage Loan Officer
NMLS #709729
All loans are subject to credit approval. Northpointe Bank is an Equal Housing Lender. All Rights Reserved
You ever wonder why there is so much documentation required for a home loan? This week I talk about why there is more documentation required than you may think. If you are in the market to finance a home, my team and I would love to help you. You can find us online at https://www.danmoralez.com or at 616-931-4629.
If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Even better yet, let us help you with your next mortgage.
Dan Moralez
Regional VP - Mortgage Loan Officer
NMLS #709729
All loans are subject to credit approval. Northpointe Bank is an Equal Housing Lender. All Rights Reserved
This week we are talking about the recent run up in interest rates and why an adjustable rate mortgage may be worth giving some consideration to.
If you are in the market to finance a home, my team and I would love to help you. You can find us online at https://www.danmoralez.com or at 616-931-4629.
If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Even better yet, let us help you with your next mortgage.
Dan Moralez
Regional VP - Mortgage Loan Officer
NMLS #709729
All loans are subject to credit approval. Northpointe Bank is an Equal Housing Lender. All Rights Reserved
Finally some good news for self-employed clients and an important update on the appraisal process for conventional mortgages.
Most self-employed borrowers will find the documentation requirements for a mortgage just got easier as Fannie Mae and Freddie Mac have eliminated the need for an interim P&L statement for most clients.
In addition, they will also start to allow desktop appraisals for eligible transaction. It remains to be seen if that is a good thing or not. I talk about that in more detail in this weeks episode.
In the market for a home loan? Trust my team and I to deliver expert guidance and direction. You can find us online at https://www.danmoralez.com or at 616-931-4629.
Daniel J. Moralez
NMLS #709729
Equal Housing Lender
All loans subject to credit approval
There is a ton of information on the internet and social media when it comes to real estate and mortgages. Many of these "experts" are providing advice that is wrong. This week I share ideas on how to screen some of these "experts".
If you want expert guidance provided by someone who has been lending since 1991 with hundreds of reviews, please reach out to my team and I. We would love to help you.
Dan Moralez
NMLS #709729
616-931-4629
https://www.danmoralez.com
Equal Housing Lender
All loans subject to credit approval.
This week I share some important updates on big changes in regards to financing second homes and condominiums.
If you are in the market for one of these types of properties, these changes will impact you.
Need expert help and guidance on financing a second home or condo? My team and I would love to help you. You can reach us at 616-931-4629 or online at https://www.danmoralez.com.
Daniel J Moralez
Regional VP - Mortgage Loan Officer
NMLS #709729
All loans subject to credit approval. Equal Housing Lender.
This week I talk about the impact of higher mortgage rates on homebuyers. Most buyers think they qualify for a specific dollar amount when you qualify for a specific monthly payment. The amount of house that payment will buy is impacted by mortgage rates.
If you are in the market to buy a home, our team would love to help you. We lend nationwide and have a number of unique options available to us exclusively. If you would like to learn more. Please reach out to us at 616-931-4629 or online at www.danmoralez.com
Dan Moralez
Regional VP - Mortgage Loan Officer
NMLS #709729
Equal Housing Lender - All Loans Subject to Credit Approval.
This week I talk about the things you should be doing now if you are planning on buying a new home in the new year. Would be home buyers often wait too long to get the pre-approval process started and neglect to understand all that goes into a valid pre-approval.
If you are in the market to buy a new home, let my team and I help you through this process. You can reach us at 616-931-4629 or at https://www.danmoralez.com.
Dan Moralez
NMLS #709729
Equal Housing Lender - All loans subject to credit approval.
This week I remind clients who are self-employed about things they can do before the end of the year that can hurt their ability to get a mortgage. Don't do something that can hurt you! Reach out to us after you listen to this weeks episode.
If you are in the market for a home loan, my team and I would love to help you. You can reach us at 616-931-4629 or online at https://www.danmoralez.com.
Dan Moralez
NMLS#709729
Equal Housing Lender - All loans subject to credit approval.
This week I talk about why higher loan limits matter to those who need a mortgage. These higher loan limits benefit consumers by providing affordable mortgage terms with reasonable qualifying guidelines.
If you are in the market for a home loan, my team and I would love to help you. You can reach us online at https://www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Equal Housing Lender - All loans subject to credit approval.
How much do you need to buy a home? Often times clients are familiar with the down payment requirements. However, many are not as familiar with other cost that they should plan for. This week we talk about what would be homebuyers should expect.
If you are in preparing to buy a home, my team and I would love to help you. You can find us online at www.danmoralez.com or call us at 616-931-4629.
Dan Moralez
NMLS #709729
VP-Mortgage Loan Officer
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
This week I talk about how we determine how much of a home you may be able to qualify for. There are more factors that go into determining your eligibility. I cover some of those details so you can have a better understanding of what options you may have.
If you are would like to explore what options you may have, please reach out to my team and I. We would love to help you. You can find us online at www.danmoralez.com or you can call us at 616-931-4629.
Dan Moralez
NMLS #709729
VP-Mortgage Loan Officer
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
This week I talk about collection accounts and credit utilization. These two areas have a significant impact on your credit score. Paying attention to these items can help to optimize your credit score. That increases your odds of loan approval and will help you get better loan terms.
In the market to buy a home? Let my team and I help you finance it. We lend nationwide and can provide you with the expert guidance you deserve. You can find us online at www.danmoralez.com or call us at 616-931-4629.
Dan Moralez
NMLS #709729
VP-Mortgage Loan Officer
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
This week I talk about credit scores and differences in scoring models from different sources. I also give some quick tips on how to maximize your credit score.
You can opt-out of pre-screened credit offers by using this link www.optoutprescreen.com.
In the market for a home loan? My team and I would love to help you. You can find us online at www.danmoralez.com or feel free to call us at 616-931-4629.
Dan Moralez
NMLS #709729
VP-Mortgage Loan Officer
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
We are back at it! Finally some new episodes and this week we jump right into it.
Many clients wonder if now is the best time to buy a property or if they should wait. I cover a number of reasons why I think now is still a great time to buy a home and why I don't believe we are on the verge of a housing bubble.
If you are in the market for a home, we can help you nationwide. Feel free to reach out to my team at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
VP-Mortgage Loan Officer
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage.
The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get approved.
This week we talk about collateral. What is the home that secures your mortgage worth and does it adequately secure the banks interest in your home.
Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President - Mortgage Loan Officer
Northpointe Bank
All loans subject to credit approval.
Northpointe Bank is an Equal Housing Lender
What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage.
The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get approved.
This week we talk about capacity. How much debt can you afford to pay based on your income? This makes a huge difference on the amount of home you may be eligible to finance.
Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President - Mortgage Loan Officer
Northpointe Bank
All loans subject to credit approval.
Northpointe Bank is an Equal Housing Lender
What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage.
The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get approved.
This week we talk about the impact of your credit on the mortgage process.
Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President - Mortgage Loan Officer
Northpointe Bank
All loans subject to credit approval.
Northpointe Bank is an Equal Housing Lender
What are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage.
The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get approved.
This week we talk about cash and why a solid down payment can help improve your chances of getting a mortgage approved.
Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President - Mortgage Loan Officer
Northpointe Bank
All loans subject to credit approval.
Northpointe Bank is an Equal Housing Lender
This week I talk about Mortgage Credit Certificate’s. What they are and how they may benefit home buyers who are eligible for one.
Want to know more about home loan options. My team and I would love to help you. You can reach us online at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President - Mortgage Loan Officer
All loans subject to credit approval.
Rates terms and conditions subject to change without notice.
Northpointe Bank is an Equal Housing Lender.
Sorry, but I posted episode 161 before 160. That is what happens when you are a mortgage guy and not a podcaster, lol.
This week I talk about mortgage shopping and why it is almost impossible.
If you are in the market for a mortgage my team and I would love to help you. You can reach us online at www.danmoralez.com or at 616-931-4629
Dan Moralez
Regional Vice President
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All loans are subject to credit approval
Rates, terms and conditions are subject to change without notice
I get asked a lot by clients for my opinion on where I think the housing market is going and what impact the pandemic will have on housing.
This week I talk about some general thoughts on housing and mortgages and why I still think the American dream of home ownership is still a great long term investment.
If you are in the market for a mortgage my team and I would love to help you. You can reach us online at www.danmoralez.com or at 616-931-4629
Dan Moralez
Regional Vice President
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All loans are subject to credit approval
Rates, terms and conditions are subject to change without notice
This week I talk about state specific options. Many states have Housing Finance agencies that offer special mortgage programs to help first time buyers and low to moderate income buyers qualify for an affordable mortgage.
We offer programs from a number of states and may be able to assist you or get you connected with somebody who can assist you. If you would like to learn more you can reach us at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
Regional Vice President
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval
As a result of the pandemic, many mortgage programs and guidelines have become more restrictive. This means those clients who were already pre-approved should be updating their approval to make sure they are still qualified.
Those who are thinking they want to purchase a home need to start this process even sooner. Now more than ever it is very important that your start this process sooner.
In the market for a mortgage, my team and I would love to help you. You can reach us online at www.danmoralez.com or at 616-931-4629.
Thanks for listening and make sure to leave a review of the podcast.
Daniel J. Moralez
Regional Vice President
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All loans are subject to credit approval
This week I talk about what cash reserves are and why having them can benefit you and increase your ability to get a mortgage. With so much changing in the mortgage world, now more than ever you need to share this podcast.
Want to explore your home buying options? Please reach out to my team and I. We will be happy to help you explore what options may be available to you.
You can reach us online at https://www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval
Rates, terms and conditions subject to change without notice
This week I talk about why you need to continue to pay your rent. If you fail to continue to make your rent payments you may jeopardize your ability to get approved for a mortgage.
Want to explore your home buying options? Please reach out to my team and I. We will be happy to help you explore what options may be available to you.
You can reach us online at https://www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval
Rates, terms and conditions subject to change without notice
With the recent changes in mortgage guidelines, it is extremely important that you update your mortgage pre-approval (if you were already pre-approved).
Now more than ever, it is important that you are working a lender that knows what they are doing.
If you need assistance, my team and I would love to help you. You can reach us at 616-931-4629 or online at https://www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval
Rates, terms and conditions subject to change without notice.
This week I talk about how you can avoid paying stupid tax by taking some time to be educated about the home loan process and your options. When you assume you know it all, you get the opportunity to pay “stupid tax” by over paying for your home loan.
In the market for a home loan, my team and I would love to help you out. You can reach me at 616-931-4629 or at www.danmoralez.com.
Dan Moralez
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
When it comes to the amount of a home you can afford, it is all about the monthly payment. Often times clients will want to know how much house they can qualify for when in fact the amount of house you can qualify for is based on the monthly payment you qualify for.
In this weeks episode I talk about how taxes and insurance can have an impact on the amount of home you will qualify for and how two houses with the exact same price can have a different outcome on your eligibility.
In the market for a home loan, we would love to help you. You can reach my team and I online via our website at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President - Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval.
This week I share some stories on how inexperienced Realtors and Lender’s nearly cost some clients thousands of dollars. I have said it time and time again. It is very important for clients to have experienced people working for them.
If you are in the market to purchase a home or in need of a mortgage. My team and I would love to have the opportunity to help you. You can find us online at www.danmoralez.com . You can also call us at 616-931-4629.
Dan Moralez
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
So you are in the market to buy a home. You go to the internet thinking surely there are a bunch of websites where you can get information for free. You think that sounds like a good idea until you realize that they are only there to capture your information and sell you to the highest bidder.
In this weeks episode I talk about how these websites often times sugar coat the details to get you to input your data. You are their product, their source of revenue.
I help you to understand why resources like Home Buyer Radio need to be your go to for solid answers about financing your new home. Don’t let your 2020 dreams of homeownership turn into a nightmare by trusting some website who is just looking to sell your information.
In the market for a mortgage? My team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional VP
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
This week I talk about things you should consider and think about as you look for a Realtor to work with during this home process. Please keep in mind these are some general thoughts to consider and there are exceptions to every rule.
If you are in the market to buy a home in 2020, we would love to help you finance the home of your dreams. You can reach my team and I at 616-931-4629 or via our website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional VP
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
The end of the year can make or break the home loan process for those of you who are self employed. Trying to limit your tax liability, you can get so creative that you hurt your ability to get a mortgage.
This week, I talk about why you will want to be careful about your year end strategy to keep your mortgage chances as favorable as possible.
In the market to buy, build or refinance a home? My team and I would love to help you. You can reach us at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
This week I share a story on how I just closed on a loan for a client who purchased the very first home that I owned. It was fun to look at how the home has changed. However, it affirmed to me what a great decision buying a home is financially.
If you are in the market for a mortgage, my team and I would love to help you. You can reach us at 616-931-4629 or via our website at www.danmoralez.com.
Dan Moralez
Regional Vice President
Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
This week I talk about how your decisions may cost you in the mortgage process.
Next week we will be talking about things self employed borrowers do prior to years end that can hurt their ability to get a mortgage.
Toward the end of the year, I will be doing a series of episodes that answer a number of questions we have received from listeners.
If you are in the market for a home loan, I would love to help you. You can reach my team and I at 616-931-4629 or online at www.danmoralez.com
Dan Moralez
NMLS #709729
Regional Vice President
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval.
This week I talk about credit repair with Sam Parker from My Credit Guy. Sam has helped a lot of people fix their credit to become a homeowner.
If you are in the market for a home loan, my team and I would love to help you. You can reach us at www.danmoralez.com or at 616-931-4629.
Dan Moralez
Regional Vice President
Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
This week I continue my series on the mortgage process and how your credit can impact it.
You don’t want to miss next weeks episode. Sam Parker from my credit guy joins us for a deeper discussion on credit with some great insights.
In the market for a home loan? We would love to help you. You can reach us at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional VP - Mortgage Loan Officer
Northpointe Bank is an equal housing lender
All loans subject to credit approval
In this weeks episode, I talk about the impact of collection accounts on your credit. Ideally you want to avoid collection accounts, but in the case you do have a collection account. What should you do?
If you are in the market for a mortgage, my team and I would love to help you. You can reach us online at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional VP - Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
In this weeks episode I talk about the impact of credit card utilization on your mortgage credit score. I talk about why you want to keep the balance of your credit cards to less than 25% of your overall credit limit.
In the market to buy a home? Need a mortgage or have questions about qualifying? If so, we would love to help you. You can reach me online at www.danmoralez.com. You can call me at 616-931-4629.
Dan Moralez
NMLS #709729
VP - Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval.
This week Rebecca and I talk about how she got into Real Estate and overall market conditions in the Greater West Michigan market. Rebecca is a seasoned Realtor in the Greater West Michigan and has worked with a number of clients we have had the opportunity to serve.
If you are in the market to buy and or sell a home in West Michigan, Rebecca is a great resource for you and we would be happy to get you connected with her.
If you are a client looking to buy a home in any part of the US, we would love to help you. You can reach me and my team at 616-931-4629 or at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval
In this weeks episode, I talk about what happens when the Fed cut’s rates and why that doesn’t normally translate into a discount in mortgage rates.
Mortgage rates and terms can vary depending on a clients credit worthiness, down payment, property type and a number of factors (including market conditions).
To get a rate quote specific to you, reach out to my team and I. We would love to have the opportunity to help you. You can reach us at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
If you are self employed and need a mortgage take a listen to this weeks podcast. In this weeks episode I explain the general guidelines for those who are self employed and need a mortgage.
Even if you don’t think you meet the guidelines to qualify for a mortgage, I encourage you to connect with me to explore potential options and alternatives. Sometimes it may be easier than that you think and we have been able to get some loans approved that did not meet the standard guidelines.
You can reach me at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
Regional VP - Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All loans subject to credit approval
In this weeks episode, I talk about when you should start the mortgage process and why. This was prompted by a listeners question I received via email.
Do you have a question you would like me to answer? If so, please drop me a message at dan@danmoralez.com and I will be happy to answer your question on a future podcast episode.
If you are in the market for a mortgage, please reach out to me and my team. We would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
Regional VP - Mortgage Loan Officer
NMLS #709729
All Loans Subject to Credit Approval
Northpointe Bank is an Equal Housing Lender
This week my good friend and awesome Realtor Ashley Dietch-Schaefer and I talk about the Greater Grand Rapids, Michigan market as well as her advice for both home buyers and sellers.
Ashley is the broker owner of Hello Homes in Grand Rapids, Michigan and is a nationally recognized top producing Realtor. You can reach Ashley at 616-439-1272 or via email at ashley@hellohomesgr.com.
If you are in the market for a home loan, my team and I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
NMLS #709729
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
In this weeks episode I talk about problems clients have that sometimes they don't even know they have and how they can impact the loan approval process. I also explain why it is important that you start this process sooner rather than later.
In the market to buy, build or refinance a mortgage? Looking for an experienced lender who knows what they are doing and how to properly structure your loan? My team and I would love to help you.
You can reach us at 616-931-4629 or via our website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
If you are thinking about buying a home, I can't stress enough the importance of starting this process earlier. In this weeks episode I talk about that and other challenges that clients face when they wait too long to start the mortgage process.
In the market to buy, build or refinance a mortgage? Looking for an experienced lender who knows what they are doing and how to properly structure your loan? My team and I would love to help you.
You can reach us at 616-931-4629 or via our website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
When it comes to buying a home, verification of information on your loan application is the key. This week I talk about why documentation matters and how you can help to speed up the home buying process by being prepared to document income, assets, etc.
In the market to buy, build or refinance a mortgage? Looking for an experienced lender who knows what they are doing and how to properly structure your loan? My team and I would love to help you.
You can reach us at 616-931-4629 or via our website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
In this weeks episode I talk about the difference between being pre-qualified vs. being pre-approved. There is a difference between the two. Find out what the difference is and why I recommend being pre-approved for a mortgage.
In the market to buy, build or refinance a home? I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All loans are subject to credit approval.
Mortgage information is everywhere. But what should you believe and how can you check the accuracy of some of the information that is out there?
In this weeks episode, I talk about how you can start to sort through the noise of mortgage marketing. You can always make it easier on yourself and just work directly with me and my team.
If you are in the marketing for a mortgage, we would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
This week Sandi Beelen from ReMax Lakeshore and I talk about the West Michigan Housing Market and buying a home in general. If you are in the Greater West Michigan area and need a competent Realtor you can reach Sandi at 616-218-4398 or via email at sandi@remax-lakeshore.com
If you are in need of a mortgage, I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
In this weeks episode I talk about the cost of waiting to purchase a home. Often times, clients will want to wait to purchase a home until they have a bigger down payment. While in theory that may sound like a good idea, the reality is that plan can backfire.
Would you like to determine what options you have to purchase a home? My team and I would love to help you. You can reach us at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
In this weeks episode I talk about the ever changing world of mortgage finance and how it can impact your dreams of home ownership.
The rules and guidelines for mortgages are ever changing. We stay on top of those rules to make sure that our clients are best positioned for success when it comes to buying a home.
If you are in the market to buy a home, my team and I would love to help you out. You can reach us at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
This week I talk about what happens when you change jobs during the mortgage process. Changing jobs during the process of buying a home can have a huge impact on your ability to qualify and should only happen after you have spoken to us in detail about how it may impact you.
If you are in the market to buy a home and need a mortgage, I would love to have the opportunity to help you finance it. You can reach me and my team at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
In this weeks episode I talk about why the experience of your lender can either save you thousands or cost you thousands. I share a couple of stories about clients who tried to work with their local credit union only to have it backfire on them.
If you are in the market to buy a home, we would love to help you. You can reach me and my team by calling 616-931-4629 or online at www.danmoralez.com
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
This week I talk about the need for your cooperation in the mortgage process. Your cooperation is one of the biggest factors in determining how your mortgage process will go.
If you are in the market or even thinking about buying a home, my team and I would love to help you. You can reach us at 616-931-4629 or online via my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
In this weeks episode I talk about the appraisal process. Many clients may soon be given the option to skip the appraisal as part of the home buying process. While you may think that is a good thing, it can potentially come with some risk.
Want to learn more about the home buying process or want to get pre-approved for a new mortgage? Feel free to reach out to my team and I. We would love to help you.
Dan Moralez
NMLS #709729
616-931-4629
www.danmoralez.com
Northpointe Bank is an Equal Housing Lender
This week I talk about Bridge/Swing loans. What are they, why would you need one and what are the risk associated with them.
If you want to explore this mortgage option or figure out what options you are eligible for, you can connect with my team and I via my website at www.danmoralez.com or call us at 616-931-4629. We would be happy to help you.
Dan Moralez
Mortgage Loan Officer
Regional Vice President
NMLS #709729
Equal Housing Lender - All loans subject to credit approval.
This week I talk about credit score’s and why your Credit Karma score is not the same as your mortgage credit score. I know I have talked about this before but I still have clients who don’t understand the difference. I figured now would be a good time to bring the subject back up.
As always, my team and I are here to help with all of your mortgage needs. If we can be of assistance you can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
This week I talk about why you need to be careful when it comes to online home buying resources. While some of these websites may seem to be helpful, the reality is they are in business to sell your personal information to the highest bidder.
If you are in the market to buy a home, my team and I would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
This week I talk about overcoming discouragement during the home buying process. The housing market is highly competitive and it is easy to become discouraged with the process. I offer some insight on things I have learned since I started mortgage lending back in 1991.
If you are in the market to buy a home, my team and I would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
This week I talk about why and how we document your income when it comes to the mortgage process.
Are you in the market for a mortgage and looking to buy a home? If so, we would love to help you. You can find us online at www.danmoralez.com or you can call me at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
This week we talk about what your total cash investment is when buying a home. Often times clients only think of the down payment but overlook closing cost and escrows. I explain what you should expect when buying a home.
If you are in the market to buy a home, my team and I would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
This week I talk about why documenting your funds you will be using for down payment is so important. This is one area that clients tend to be the most frustrated with. I break down the details and why it matters.
In the market to buy a home? I would love to help you. You can reach me online at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President
Northpointe Bank
Equal Housing Lender - All Loans Subject to Credit Approval
If you were pre-approved for an FHA mortgage, recent changes to the FHA scorecard may have a huge impact on you and could make you potentially ineligible.
If you are in the market to buy a home and need a mortgage, my team and I would love to help you. You can reach me online at www.danmoralez.com or via phone/text at 616-931-4629.
We look forward to having the opportunity to work with you.
Dan Moralez
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
I wanted to try something new this week and push out a video vs. our standard audio podcast. I would love to hear your feedback on your preference. If you would prefer video vs. audio.
This week I talk about why a lower rate with higher cost may not always be the best option for clients and why you may want to consider a higher rate with lower cost.
If you are in the market for a mortgage, my team and I would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com
Dan Moralez
Regional Vice President
NMLS #709729
Northpointe Bank
Equal Housing Lender
This week we talk about what are mortgage rates and the number of factors that can impact the rates and terms you are eligible for.
If you want straight forward facts and options when it comes to your next mortgage, connect with my team and I. For nearly 28 years I have been working with clients all over the country to provide honest mortgage answers.
You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629. We look forward to having the opportunity to help you.
Dan Moralez
Mortgage Loan Officer
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
I feel like I record this episode every few weeks. It seems like a day doesn't go by that I don't talk to clients who have expectations that are unrealistic.
If you are in the market for a mortgage, connect with my team and I so we can help you have realistic expectations about your home purchase. This will make your home buying process more realistic and a better overall experience for you.
You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629. We look forward to having the opportunity to help you.
Dan Moralez
Mortgage Loan Officer
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
Thinking of selling your current home? Get pre-approved BEFORE you sell your current home. I continue to see clients sell their current home before getting pre-approved for a new loan for a new home.
A number of these clients have NOT been able to get approved for a new home when their current home is now under contract to be sold. Don't let that happen to you. Connect with us to get pre-approved BEFORE you sell your current home.
You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629. We look forward to having the opportunity to help you.
Dan Moralez
Mortgage Loan Officer
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
If you have been turned down for a mortgage, you should be getting a second opinion. In the recent week, I have had a number of clients who were turned down for a mortgage that we were able to get approved.
Just because a lender tells you that you don't qualify, don't assume they know what they are doing. Reach out to my team and I for a second opinion. If we can't help you, we will give you a solid game plan to help you get to a point where home ownership may be a possibility for you.
You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629. We look forward to having the opportunity to help you.
Dan Moralez
Mortgage Loan Officer
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
You don't have 20% down, but also don't want to pay mortgage insurance. In this weeks episode, I talk about some creative ways you can do a smaller down payment without the expense of monthly mortgage insurance.
Are you in the market to finance a home? If so, we would love to help you out. You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
This week we are talking about down payments and down payment myths. There are a number of options now available that allow for little to no down payment.
To find out what your eligible for please contact us. You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
This week I talk about why getting pre-approved matters and how it saved this client a ton of money.
If you are in the market to purchase a home and need a mortgage, we would love to help you. You can reach us at 616-931-4629 or online at http://www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer
NMLS #709729
Northpointe Bank
Northpointe Bank is an Equal Housing Lender.
All loans subject to credit approval.
This week I am honored to have Realtor Steve Volkers join me. Steve is a dominant force in West Michigan Real Estate. Steve shares with me wisdom and insight that is applicable to home buyers no matter what part of the country they are located in.
If you are in need of a mortgage, my team and I would love to help you. You can reach me at 616-931-4629 or you can find me online at http://www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer (NMLS #709729)
Northpointe Bank
Northpointe Bank is an Equal Housing Lender
This week Brandon Faber of JH Realty Partners offers wisdom for both buyers and sellers as they approach the 2019 housing market.
If you or someone you know is in the market to buy a home in 2019, we would love to help you finance it and help you find a Realtor who is experienced and can help you. Contact us for more information. We can be reached at 616-931-4629 or at http://www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Mortgage Loan Officer
Northpointe Bank
Northpointe Bank is an Equal Housing Lender
This week Trish Cornelius from Keller Williams joins me to talk about what is happening in the Greater Grand Rapids, Michigan real estate market and offers advice for both buyers and sellers as they look at the 2019 housing market.
If you or someone you know is in the market to buy a home in 2019, we would love to help you finance it and help you find a Realtor who is experienced and can help you. Contact us for more information. We can be reached at 616-931-4629 or at http://www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Mortgage Loan Officer
Northpointe Bank
Northpointe Bank is an Equal Housing Lender
This week Rebecca shares some tips for home sellers. Pricing a home requires data and market knowledge. It is super important to work with a Realtor who is seasoned and knows what they are doing.
If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states.
You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
Regional Vice President
Northpointe Bank
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
This week Rebecca and I talk about the importance of working with a seasoned Realtor and share a story of how it cost one client a lot of time, money and frustration.
If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states.
You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
Regional Vice President
Northpointe Bank
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
This week Rebecca and I talk about what is currently happening in the real estate market in West Michigan. The market in West Michigan is similar to what we are seeing and hearing from others in the industry.
If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states.
You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
Regional Vice President
Northpointe Bank
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
This week we talk about how there are a record number of Real Estate Agents to work with and how that impacts you.
If you are in the market to purchase a home, we would love to help you find a great Realtor and the best mortgage option. You can find us online at http://www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Mortgage Loan Officer
Northpointe Bank
Northpointe Bank is an Equal Housing Lender
If you are self employed and you are planning to buy a house in 2019, you need to listen to this weeks podcast. This week we talk about things self employed clients can do that will hurt their chances of buying a home.
If you are self employed and want an expert with self employed clients, please reach out to me. I have helped hundred's of self employed clients get approved for a mortgage. You can reach me at 616-931-4629 or online at http://www.danmoralez.com.
Dan Moralez
NMLS #709729
Mortgage Loan Officer
Northpointe Bank
Northpointe Bank is an Equal Housing Lender
For episode #100 what better topic then Budgeting? How can you buy a home if you don't have a budget or plan in place to succeed. In this weeks episode I talk about the importance of having a budget before you get ready to buy a home.
Are you in the market to buy a home? Before you get too far into the process of looking at homes, you need to make sure you have a game plan for your mortgage. Let me and my team of mortgage experts help you to succeed.
You can reach me and my team at http://www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Mortgage Loan Officer
Regional Vice President
Northpointe Bank
Northpointe Bank is an Equal Housing Lender
Are you just window shopping? Are you looking for a home without having a mortgage pre-approval? I talk about why you need to get pre-approved before looking at homes.
We would love to help you finance your new home. You can reach me at 616-931-4629 or online at http://www.danmoralez.com
Dan Moralez
Mortgage Loan Officer
Regional Vice President
Northpointe Bank
NMLS #709729
Northpointe Bank is an Equal Housing Lender
With Black Friday upon us. I talk about why you want to stay away from store credit card offers and how they can be bad for you in the mortgage process.
Thinking of buying a home? You need a solid mortgage source. My team and I are experts at the home loan process and would love to help you. You can reach me at 616-931-4629 or online at http://www.danmoralez.com.
Dan Moralez
Regional Vice President
Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender.
In this weeks episode we talk about lenders who tell you what you want to hear and not necessarily what you need to hear. As the real estate market slows down some, lenders can often times over promise and under deliver.
I share a story about a client who recently had this happen to them. Don't let that be you. If you are in the market for a home loan, please contact us. We would love to help you. You can find us online at http://www.danmoralez.com
Dan Moralez
Regional Vice President
Northpointe Bank
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
You have been looking for a home. Have had multiple offers fall short and can't quite get a deal to come together. You may be the victim of buyer fatigue. This week I talk about why now is not the time to be the victim of buyer fatigue.
If you are in the market to buy a new home, I would love to help you finance it. You can reach me at 616-931-4629 or at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
Northpointe Bank is an Equal Housing Lender
This week I talk about why I do the podcast and the trend of higher interest rates.
If you are in the market to buy a home, I would love to help you finance it. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616.931.4629
Northpointe Bank is an Equal Housing Lender
This week I answer a listeners questions about relocating, new jobs and how your new spouses credit may impact you. Do me a favor and please share the podcast with others who could benefit from this information.
If you are thinking of buying a home, please contact me for a mortgage. I would love to work with you.
Dan Moralez
Mortgage Loan Officer
NMLS #709729
616.931.4629
Northpointe Bank is an Equal Housing Lender
Often times clients think by default they should go to their local bank where they have their bank accounts for their mortgage. In this weeks episode, I talk about why that may be a mistake you don't want to make.
If you need a mortgage, you should be reaching out to me. You will get an experienced lender who knows what they are doing and options that you likely won't see somewhere else.
You can reach me by using the contact information below:
Dan Moralez
NMLS #709729
616-931-4629
http://www.danmoralez.com
Northpointe Bank is an Equal Housing Lender
Last week we talked about why you need an experienced Realtor. This week I talk about why you need an experienced Loan Officer. You can save yourself a lot of hassle by just contacting me when you are ready to buy.
You can reach me by using the following contact information:
Dan Moralez
NMLS #709729
616-931-4629
http://www.danmoralez.com
Northpointe Bank is an Equal Housing Lender
Yes! You need a Realtor to represent you on your home purchase. So often clients think they can do this without professional guidance and when you do that you create risk for yourself that you likely don't understand.
In this weeks podcast, I talk about why you need a good seasoned Realtor to protect your interest. You can try to do this on your own, but don't say I did not warn you.
Like you need a good Realtor, you need a seasoned and experienced lender. We have you covered there. You can reach me at http://www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
Why are you waiting to get pre-approved for a mortgage? If you are thinking of buying a home, this needs to be your first step in the process, not an after thought.
If you enjoy this podcast, please make sure to give us a 5 star review on iTunes and share it with others.
If you are in the market for a home purchase, my team and I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Daniel J Moralez
VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
Northpointe Bank is an Equal Housing Lender
This week I talk about your circumstances are a result of things you have done. I also talk about why your cooperation is key to a successful mortgage process.
If you enjoy this podcast, please make sure to give us a 5 star review on iTunes and share it with others.
If you are in the market for a home purchase, my team and I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Daniel J Moralez
VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
Northpointe Bank is an Equal Housing Lender
I seem to spend a lot of time talking about rates and closing cost. This week I talk about how the devil is in the details and you need to pay attention to those details.
You can skip all the hassle and just call me for your mortgage to make things easier.
If you enjoy this podcast, please make sure to give us a 5 star review on iTunes and share it with others.
If you are in the market for a home purchase, my team and I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Daniel J Moralez
VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
Northpointe Bank is an Equal Housing Lender
So you have a Buyer's Agent representing you for your home purchase. I personally think that is a good idea. However, if you have one, you should be using them exclusively for your home search. In this weeks episode, I talk about how you can run into problems if you don't.
If you enjoy this podcast, please make sure to give us a 5 star review on iTunes and share it with others.
If you are in the market for a home purchase, my team and I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com.
Daniel J Moralez
VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
Northpointe Bank is an Equal Housing Lender
This week I sit down with my friend Brad Stinson who is a fellow Mortgage Loan Officer and VA Home Loan Expert. We talk about some common misconceptions about VA Home loans and a podcast Brad will be launching soon to help more Veteran's understand the benefits available to them.
Dan Moralez NMLS #709729
VP - Northpointe Bank
616-931-4629
www.danmoralez.com
Brad Stinson NMLS #1610351
Loan Officer - Caliber Home Loans
616-916-9295
www.teambradstinson.com
Equal Housing Lender
All loans subject to credit approval
In this weeks episode, I talk about how rate and closing cost go hand in hand. Higher rate = lower cost, lower rate = higher cost. What makes for the best option for you? It all depends on a number of factors. In this weeks podcast, I discuss some of those items for you.
If you want an experienced team of mortgage professionals to help you, contact me. You can reach me at 616-931-4629 or online at www.danmoralez.com.
We lend in all 50 states. However, not all products are available in all states. Reach out to learn more about the options we may have for you.
Daniel J. Moralez
NMLS #709729
VP- Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
In this weeks episode, I talk about understanding your mortgage options. Mortgage options can vary from lender to lender and it makes the most sense to explore all your options to make sure you have the program that is best for you.
If you want an experienced team of mortgage professionals to help you, contact me. You can reach me at 616-931-4629 or online at www.danmoralez.com.
We lend in all 50 states. However, not all products are available in all states. Reach out to learn more about the options we may have for you.
Daniel J. Moralez
NMLS #709729
VP- Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
How do you know if your loan officer is any good? Do they have the expertise and knowledge they claim to have? In this weeks episode I give you some pointers on how to determine if your Loan Officer is good.
You can check a Loan Officer NMLS# and work history by clicking here.
You can save yourself all of the hassle by working with my team and I. We have the experience and knowledge to properly guide you through the home loan process.
If you want an experienced team of mortgage professionals to help you, contact me. You can reach me at 616-931-4629 or online at www.danmoralez.com.
We lend in all 50 states. However, not all products are available in all states. Reach out to learn more about the options we may have for you.
Daniel J. Moralez
NMLS #709729
VP- Mortgage Loan Officer
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
So you are pre-approved for a mortgage and are house hunting. But do you know if the pre-approval you have is truly good? In this weeks episode, I talk about the rash of recent clients I have dealt with that thought they were pre-approved only to find out they were not.
If you want an experienced mortgage expert on your side, please contact me. I can be reached at 616-931-4629 or via the web at http://www.danmoralez.com.
Daniel J. Moralez
VP - Mortgage Loan Officer
NMLS #709729
Northpointe Bank is an Equal Housing Lender
All Loans Subject to Credit Approval
Have you ever really wondered what a Loan Officer really does as part of the home loan process? In this weeks episode, I talk about what I do as your Loan Officer and how I work with my team to make your home loan process as smooth as possible.
If you are in the market for a home loan, we would love to help you. You can learn more about my team and I by visiting our website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616.931.4629
Northpointe Bank is an Equal Housing Lender
In this weeks episode, I talk about what a Mortgage Processor and Loan Officer Assistant do and how they are an important part of the home loan process.
If you are in the market for a mortgage, we would love to help you explore the options available to you. To learn more about my team and services, please visit my website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Regional Vice President
Mortgage Loan Officer
Northpointe Bank
Equal Housing Lender
What is a Mortgage Underwriter and what do they do?
In this weeks episode, I explain what a Mortgage Underwriter is and exactly what they do and how it impacts you.
If you are in the market for a home loan, we would love to help. You can reach us at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Mortgage Loan Officer
Northpointe Bank
Equal Housing Lender
This week I finish up my recent series on adjustable rate mortgages. While these mortgages may not be right for all clients, some clients may benefit from an adjustable rate mortgage.
This week we go a little deeper into how they work and how it may or may not benefit you.
Want to know more about adjustable rates and/or other mortgage programs, we would love to help you. You can reach us via our website at www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer
NMLS #709729
Northpointe Bank
616-931-4629
This week we talk more about adjustable rate mortgages. How to understand the pluses and minuses of these types of mortgages. While they are not for everyone, they do serve a place and could help some clients benefit.
If you would like to explore these options or learn more, you can contact me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
Regional Vice President
NMLS #709729
616-931-4629
Is an adjustable rate mortgage right for you? It may be depending on your long term financial goals. In many cases, an adjustable rate mortgage could be a solid option that could save you money without taking an inappropriate risk.
This week we start to talk about how an adjustable rate mortgage (ARM) works. You may be surprised that it could be a solid option for you.
Want to learn more, hit my website at www.danmoralez.com.
Dan Moralez
VP Mortgage Loan Officer
NMLS #709729
Northpointe Bank - Equal Housing Lender
This week I talk about a special home loan program that allows for a $0 down payment. This program allows you to pay your loan off in 20 years vs. the traditional 30 year term.
There are no income restrictions, you do not have to be a first time home buyer and there are no special areas that limit the location of the property.
Want to know more about this program? Visit my website or contact us for more information. You can find me online at www.danmoralez.com and can reach me at 616-931-4629.
Dan Moralez
Mortgage Loan Officer
Northpointe Bank
NMLS #709729
Equal Housing Lender
All Loans Subject To Credit Approval
When it comes to the amount of home you qualify for, remember it is all about the monthly payment. In this weeks episode I talk about how your monthly payment determines how much you qualify for and how the same payment can buy a different amount depending on a number of factors.
If your in the market for a mortgage, we would love to work with you. You can find me online at www.danmoralez.com.
Dan Moralez
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender. All loans subject to credit approval.
In this week I talk a little more about why it matters who pre-approved you and I am not just talking about what company. Did you know that your loan officers reputation could hurt you as well?
We will be talking about this for the next couple of weeks and invite your questions. If you have a question you would like to ask us, feel free to email me at dan@danmoralez.com.
Thanks for listening :)
Dan Moralez
Regional VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
This week I talk about why getting pre-approved should be the first step in your home buying process. Going house shopping without a pre-approval could be a waste of your time. In the next several weeks we will talk about this and why it matters.
If you would like to get pre-approved, we would love to help you. You can learn more by visiting our website at http://www.danmoralez.com.
Dan Moralez
Regional Vice President
NMLS #709729
616-931-4629
It is not uncommon for clients to have had a financial set back at some point in time. While some circumstances are truly unavoidable, others were avoidable and were the result of our own personal decisions. Those decisions, may have a lasting impact and require some additional work to get around in the home buying process. In this weeks episode, I talk about owning your circumstances.
If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
616-931-4629
NMLS #709729
Northpointe Bank is an Equal Housing Lender.
All Loan Subject to Credit Approval.
What are your payments during your construction loan? How are they figured and what should you expect. We talk about all of that in more detail in this weeks episode.
If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
616-931-4629
NMLS #709729
Northpointe Bank is an Equal Housing Lender.
All Loan Subject to Credit Approval.
This week we talk about the different types of construction loans. What is a construction permanent loan vs. a construction only loan. We will explain it all in this weeks episode.
If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
616-931-4629
NMLS #709729
Northpointe Bank is an Equal Housing Lender.
All Loan Subject to Credit Approval.
This week, I talk about down payments on construction loans. How they differ from lender to lender and even from product to product. Are you looking to build? We would love to help you learn more about it. Visit my website for more details on how we may be able to help you.
If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
616-931-4629
NMLS #709729
Northpointe Bank is an Equal Housing Lender.
All Loan Subject to Credit Approval.
This week we start a new mini series on Construction Loans. More and more clients are having difficulty finding a home to buy, so they are looking at building a home vs. buying an existing home.
If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
616-931-4629
NMLS #709729
Northpointe Bank is an Equal Housing Lender.
All Loan Subject to Credit Approval.
In this weeks episode I talk about recent changes from PMI companies and how they will impact clients who have smaller down payment, higher debt ratios and lower credit scores.
If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
616-931-4629
NMLS #709729
Northpointe Bank is an Equal Housing Lender.
All Loan Subject to Credit Approval.
In this weeks episode I talk about how even the smallest blemish on your credit report can cost you thousands on your mortgage. I tell you what you should be doing to make sure you don't fall prey to this.
If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
616-931-4629
NMLS #709729
Northpointe Bank is an Equal Housing Lender.
All Loan Subject to Credit Approval.
Mortgage rates have been on a steady rise since early December 2017. In this weeks episode I give a quick and simple explanation as to why that is happening and the impact on home buyers.
If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
VP - Mortgage Loan Officer
616-931-4629
NMLS #709729
Northpointe Bank is an Equal Housing Lender.
All Loan Subject to Credit Approval.
We love our Veteran's at Home Buyer Radio! Too often Veteran's are discouraged from using their VA Home Loan benefit and it cost them money. In this weeks episode we talk about why VA loans are not that difficult to get closed.
Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
This week we talk about a special option that allows you to buy a home for an elderly parent or disabled child at owner occupied rates and terms. This is even if they are not going to be on the loan. This could save you thousands of dollars!
Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
This week we talk about special programs for clients who are considered to have low-moderate income.
Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
Before you make a big move in life, make sure you talk to us to find out how it can impact your ability to get a mortgage.
Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
This week I talk about the importance of getting pre-qualified or pre-approved for a mortgage.
Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
Happy New Year!
In this weeks podcast I talk about positioning yourself for home ownership in this coming year.
Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
Merry Christmas from all of us at Home Buyer Radio!
I hope you enjoy the holidays with your friends and family. We are grateful for you spending part of your holiday with us and look forward to helping you achieve your dreams of home ownership.
Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
I would like to thank all of our Veteran's for their service to our county.
In this weeks episode I talk about how Disabled Veteran's may be eligible for property tax relief when they own a home.
Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
Great News!
Just in time for Christmas we have new higher loan limits for 2018. Clients looking to purchase more expensive properties now have more options to borrow at more favorable loan terms.
Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
As you get ready to end this year, if you are self employed and want to buy a home, now is a great time to think about last minute steps you can take to help your dreams of homeownership.
I have worked with hundreds of self-employed clients since 1991 and have been able to help many who were turned down by other lenders. If you are self employed and hoping to buy a home, make sure you connect with us to discuss your options.
Dan Moralez
Mortgage Loan Officer
Vice President
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender
Don’t let the holiday’s sidetrack your dreams of homeownership!
In this weeks episode I talk about a couple of pitfalls you can avoid this holiday season. Opening a store credit card or excessive spending are two areas where I see clients hurt themselves and their dreams of owning a new home. I talk about both this week and why you should be careful this time of year.
As always, if you have questions or concerns about buying a home, my team and I would love to help you.
Dan Moralez
Vice President
Mortgage Loan Officer
NMLS #709729
Northpointe Bank
Phone 616-931-4629
Web www.danmoralez.com
Equal Housing Lender
Thank you for making the first year of the podcast a huge success! We have some great things in store for this coming year.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
Can I get a mortgage to add on to my house? This week I talk about what options may look like for you.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
Are you thinking of buying a 2-4 unit property and are you wondering how that impacts your ability to get a mortgage? This week I explain potential options you may have.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
Have you thought about purchasing rental properties? In this weeks episode I talk about options you may have when it comes to buying rental properties.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
Can I use rental income to help qualify for a mortgage on a second home? This week I give you the answer.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
What options do you have to buy a second home? This week I highlight the options you may have.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
How do I raise my credit score quickly? This week I share some ideas on how to do that. If you want to opt out of pre-screened offers you can do that by using this link
https://www.optoutprescreen.com
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
So you are buying a house and you wonder whether or not you really need a home inspection. This week I talk about why I think it is a good idea to get one.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
Can I get a mortgage if my spouse has bad credit? This week I talk about options you may have when it comes to getting a mortgage.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender - All Loans Subject to Credit Approval
Can you get a mortgage if you are paid cash "under the table"? Listen to find out the details.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
This week we talk about getting a mortgage when your self employed. It may be much easier than what you think.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
This week we talk about getting a mortgage when you have great credit. Can you get a better deal? Listen to find out :)
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
Can you get a mortgage if you have had a bankruptcy, short sale or foreclosure? This week we talk about your options.
Dan Moralez
Vice President - Mortgage Loan Officer
NMLS #709729
616-931-4629
www.danmoralez.com
This week we talk about getting a mortgage when you don't have a traditional credit history.
Dan Moralez
NMLS #709729
616-931-4629
www.danmoralez.com
Equal Housing Lender
In this weeks episode we talk about getting a mortgage with less than perfect credit. Want to know more? Visit my website at www.danmoralez.com.
Dan Moralez - NMLS #709729
616-931-4629 - www.danmoralez.com
Equal Housing Lender
This week I start to take your questions that I have received. Look for more answers to your questions in the weeks to come. Remember, my team and I are to help you and we lend in most of the 50 states.
You can reach me at 616-931-4629 or via my website at www.danmoralez.com.
Dan Moralez
Regional Vice President - Mortgage Loan Officer
NMLS #709729
Member FDIC - Equal Housing Lender
This week I talk about why you can’t always believe what you have been told. This is especially true if your Realtor or Loan Officer lack experience and expertise. I have seen more and more cases where clients are told information that is wrong or inaccurate by others.
If you need help with a mortgage, do your self a favor and work with me and my team. I have been lending since 1991 and my team and I have the expertise and experience to get you through the home buying process smoothly.
You can reach me at www.danmoralez.com or 616-931-4629.
Dan Moralez
NMLS #709729
616-931-4629
Equal Housing Lender
This week I talk about how you go about picking a mortgage loan officer. If you want to make things easier for yourself, you can work with me and my team. We are able to lend in most states and have experience and knowledge that will benefit you. You can contact us through our website at www.danmoralez.com.
Dan Moralez
NMLS #709729
Phone 616-931-4629
dan@danmoralez.com
Equal Housing Lender
As you get ready to buy a home, it is super important that you have reasonable expectations so that you are not disappointed in the home buying process. Listen to this weeks episode as I explain more.
Dan Moralez
NMLS #709729
Equal Housing Lender
If you don't cooperate with the loan process, you can delay your loan closing or cause your mortgage application to be denied. The home loan process is far different then the loan process for buying a car or even getting a credit card. Often times those loans may require significantly less documentation. The home loan process is all about documentation.
When you cooperate quickly with that process you help to make your loan process go faster and help to avoid stress.
When your ready to buy a home it is important that you work with a lender who knows what they are doing. We are here to help you. You can reach me at 616-931-4629 or at my website at http://www.danmoralez.com.
Dan Moralez
Regional VP
Mortgage Loan Officer
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
One of the easiest ways to jeopardize your loan approval is to lie on your mortgage application. The truth is as lenders, we must verify the majority of the information on your mortgage application. By telling us the truth up front, we can avoid potential problems and pitfalls with the home loan process.
Answering questions completely and honestly helps to insure that your loan is processed quickly and with the least amount of hassle.
If you are in the market for a mortgage please let us help you. Whether you are just starting your home search or you have an accepted offer, we have a number of great programs and options to assist you.
You can reach us at http://www.danmoralez.com or at 616-931-4629.
Dan Moralez
Regional VP
Mortgage Loan Officer
NMLS #709729
616-931-4629
Northpointe Bank is an Equal Housing Lender
One of the areas where clients have the most frustration tends to be with documenting their funds for loan closing. In this weeks episode I talk about things you can do to complicate the process of getting your final approval.
Dan Moralez
NMLS #709729
616-931-4629
Member FDIC - Equal Housing Lender
This week I talk about how apply for new debt after you started your mortgage application may screw up your mortgage approval.
Ready to get started on a new mortgage? You can get your application started by visiting my website at www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
Member FDIC - Equal Housing Lender
This week I talk about how switching jobs (even if it is with the same company) can potentially screw up your loan approval. Wonder how that can be the case? Listen to this weeks podcast for the complete story.
Ready to get started on a new mortgage? You can get your application started by visiting my website at www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
Member FDIC - Equal Housing Lender
In this weeks episode I give my final thoughts on divorce and mortgages and talk about my next series on stupid things people do to screw up their mortgage approval.
Don't screw up your new home purchase! Get started on a new mortgage with my team! You can start your application online on my website at www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
Member FDIC - Equal Housing Lender
In this weeks episode I talk about how paying child support or alimony can impact your ability to qualify for a mortgage.
Want me to review your specific situation? We offer a no-cost, no-obligation mortgage review. You can start by visiting my website at www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
Member FDIC - Equal Housing Lender
In this weeks episode I talk about what income you can use to qualify after your divorce. This episode will be of special interest to those who are returning to the work force after the divorce or those who will be receiving child support and/or alimony/spousal support as primary sources of income.
Want to review your specific mortgage options? You can get started on a no obligation mortgage approval on my website at www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer
Northpointe Bank
616-931-4629
NMLS #709729
Member FDIC - Equal Housing Lender
This week I talk about how it just got easier to qualify for a mortgage with student loan debt. If you have been turned down for a mortgage because of student loans, you will not want to miss this weeks episode.
Ready to get started on the home buying process? Visit my website to get started on a no obligation mortgage approval. You can find my website at www.danmoralez.com.
Dan Moralez
Mortgage Loan Officer
Northpointe Bank
NMLS #709729
Member FDIC - Equal Housing Lender
In this weeks episode I talk about mortgages and divorce. This is the first of multiple episodes on Divorce and the mortgage process.
Want to get started on a mortgage preapproval without cost or obligation? You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629.
Dan Moralez
Mortgage Loan Officer
Regional Vice President
NMLS #709729
Northpointe Bank is a member FDIC and an Equal Housing Lender
This week I talk about some things you should consider when looking at what Realtor you should hire for your house hunt.
Would you like a referral to a Realtor? Want to get started on a mortgage preapproval without cost or obligation? You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629.
Dan Moralez
Mortgage Loan Officer
Regional Vice President
NMLS #709729
Northpointe Bank is a member FDIC and an Equal Housing Lender
This week I talk about the differences between a mortgage pre-qualification and a mortgage pre-approval.
Want to get started on a mortgage pre-approval without cost or obligation? You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629.
Dan Moralez
Mortgage Loan Officer
Regional Vice President
NMLS #709729
Northpointe Bank is a member FDIC and an Equal Housing Lender
Should you be home shopping without having a mortgage pre-approval? Absolutely not! How do you know what you can afford if you have not been to the bank first. In this weeks episode I explain why you should be pre-approved before you look for a home.
Want to get started on a mortgage preapproval without cost or obligation? You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629.
Dan Moralez
Mortgage Loan Officer
Regional Vice President
NMLS #709729
Northpointe Bank is a member FDIC and an Equal Housing Lender
In this weeks episode I go even deeper into Private Mortgage Insurance (PMI) and how it can be structured in different ways depending on your long term goals. As with most things there are pluses and minuses to each option.
Let us help you figure out what the best option for you is. You can start your application online at www.danmoralez.com or by calling me at 616-931-4629.
Dan Moralez
Mortgage Loan Officer
Regional Vice President
Northpointe Bank
NMLS #709729
Northpointe Bank is a member FDIC and an Equal Housing Lender
In this weeks episode I talk further about Private Mortgage Insurance (PMI). There are a number of ways PMI insurance can be structured. Remember, it is only required on conventional loans with down payments of less than 20%.
Want to know more about your specific situation and how PMI could impact you? Schedule a time with us to review your options. You can do that by applying on my website at www.danmoralez.com or by calling my office at 616-931-4629.
Dan Moralez
Mortgage Loan Officer
Regional Vice President
Northpointe Bank
NMLS #709729
Northpointe Bank is a member FDIC and Equal Housing Lender
This week I start to tackle the topic of PMI insurance and the fact that there are multiple PMI companies to work with. In the weeks to come we will talk about PMI insurance in more detail.
Ready to start the process of buying a home? Reach out to us, we will be happy to help!
Dan Moralez
Mortgage Officer
Northpointe Bank
616-931-4629
dan@danmoralez.com
NMLS #709729
Northpointe Bank is an equal housing lender.
This week I talk about interest rates and how they can and do change.
Ready to start the process of buying a home? Reach out to us, we will be happy to help!
Dan Moralez
Mortgage Officer
Northpointe Bank
616-931-4629
dan@danmoralez.com
NMLS #709729
Northpointe Bank is an equal housing lender.
In this weeks episode we talk about mortgage documentation and the role you play in helping us to process your loan as quickly as possible.
Ready to start the process of buying a home? Reach out to us, we will be happy to help!
Dan Moralez
Mortgage Officer
Northpointe Bank
616-931-4629
dan@danmoralez.com
NMLS #709729
Northpointe Bank is an equal housing lender.
This week I talk about the team of players that work to get your mortgage processed as quickly as possible.
Dan Moralez
Mortgage Officer
Northpointe Bank
616-931-4629
dan@danmoralez.com
NMLS #709729
Northpointe Bank is an equal housing lender.
This week I interview Rebecca Perkins from @Home Realty (rebeccaperkinshomes.com). Rebecca talks about the benefits of working with an individual Realtor vs a real estate team.
Ready to get started on the process of buying a home? Feel free to reach out to Rebecca or I.
Rebecca Perkins
@Home Realty
616-218-6161
rebecca@rebeccaperkinshomes.com
Dan Moralez
Mortgage Officer
Northpointe Bank
616-931-4629
dan@danmoralez.com
NMLS #709729
Northpoine Bank is an equal housing lender.
This week I interview Rebecca Perkins from @Home Realty (rebeccaperkinshomes.com). Rebecca talks about the benefits of working with a Realtor and why trying to sell your home on your own may not be in your best interest.
Ready to get started on the process of buying a new home? Need to know what your current home is worth? Feel free to reach out to Rebecca at:
Rebecca Perkins
@Home Realty
616-218-6161
rebecca@rebeccaperkinshomes.com
Ready to get started on your mortgage. Reach out to Dan at:
Dan Moralez
Mortgage Officer
Northpointe Bank
616-931-4629
dan@danmoralez.com
NMLS #709729
Northpointe Bank is an equal housing lender.
This week Rebecca Perkins from @Home Realty and I pick up where we left off on our discussion of working with a Realtor and why it benefits you. In particular we talk about the importance of buyers agents and why it matters to you as a home buyer.
Ready to get started on the process of buying a home? Feel free to reach out to Rebecca or I.
Rebecca Perkins
@Home Realty
616-218-6161
rebecca@rebeccaperkinshomes.com
Dan Moralez
Mortgage Officer
Northpointe Bank
616-931-4629
dan@danmoralez.com
NMLS #709729
Northpointe Bank is an equal housing lender.
This week I interview Rebecca Perkins from @Home Realty (rebeccaperkinshomes.com). Rebecca talks about the benefits of working with a Realtor.
Ready to get started on the process of buying a home? Feel free to reach out to Rebecca or I.
Rebecca Perkins
@Home Realty
616-218-6161
rebecca@rebeccaperkinshomes.com
Dan Moralez
Mortgage Officer
Northpointe Bank
616-931-4629
dan@danmoralez.com
NMLS #709729
Northpointe Bank is an equal housing lender.
In this weeks episode I talk about homes that are for sale by owner and things you should be aware of as a home buyer. I also talk about the importance of having professional guidance from a real estate professional.
Ready to get your mortgage application started? You can do that at www.danmoralez.com.
Northpointe Bank is an equal housing lender - NMLS #709729
This week I talk about paper work that is required as part of the mortgage process and why it is important that you cooperate with the process. You hold the key to helping us process your loan quickly.
You can start on your mortgage approval by going to my website at www.danmoralez.com. Do you have a question you would like us to answer? Send us an email at dan@danmoralez.com.
Northpointe Bank is an equal housing lender. NMLS #709729
In this weeks episode I talk about why your Realtor's experience matters and how it can impact you as a home buyer. If you need a referral to a good Realtor who knows what they are doing, let me know. I have contacts nationwide that can help you. You can reach me at 616-931-4629 or at dan@danmoralez.com.
Need to get pre-approved for a mortgage? Start your application online at www.danmoralez.com.
Northpointe Bank is an equal housing lender - NMLS #709729
As a follow up to last weeks pocast, I talk about how best to position yourself to buy a new home.
Check us out on Facebook at https://www.facebook.com/homebuyerradio/.
Want to know more about purchasing a home and mortgage options? Visit my website at http://www.danmoralez.com/ for more information and to contact us for more information.
Dan Moralez
NMLS #709729
Equal Housing Lender
Is your resolution to buy a home in 2017. This week I talk about ways to help make that happen.
Check us out on Facebook at https://www.facebook.com/homebuyerradio/.
Want to know more about purchasing a home and mortgage options? Visit my website at http://www.danmoralez.com/ for more information and to contact us for more information.
Dan Moralez
NMLS #709729
Equal Housing Lender
Happy Holidays! This week we talk about mortgage down payments and some creative places they can come from.
Check us out on Facebook at https://www.facebook.com/homebuyerradio/.
Want to know more about purchasing a home and mortgage options? Visit my website at http://www.danmoralez.com/ for more information and to contact us for more information.
Dan Moralez
NMLS #709729
Equal Housing Lender
So what does it cost you to have a Realtor represent you with your home purchase? Listen to this weeks podcast for more information.
Check us out on Facebook at https://www.facebook.com/homebuyerradio/.
Want to know more about purchasing a home and mortgage options? Visit my website at http://www.danmoralez.com/ for more information and to contact us for more information.
Dan Moralez
NMLS #709729
Equal Housing Lender
In this weeks podcast I talk about down payment myths and the fact that you DO NOT have to have 20% down to purchase a home.
Check us out on Facebook at https://www.facebook.com/homebuyerradio/.
Want to know more about purchasing a home and mortgage options? Visit my website at http://www.danmoralez.com/ for more information and to contact us for more information.
Dan Moralez
NMLS #709729
Equal Housing Lender
Welcome to another episode of Home Buyer Radio. Do you have a question or topic you would like us to address as part of the podcast? If so visit our Facebook page and let us know. You can find us at https://www.facebook.com/homebuyerradio/.
Want to know more about purchasing a home and mortgage options? Visit my website at http://www.danmoralez.com/ for more information and to contact us for more information.
Dan Moralez
NMLS #709729
Equal Housing Lender
This is the very first episode of Home Buyer Radio. My hope is this podcast will educate you and help you better understand the mortgage and homebuying process. Look for a lot of helpful information in the weeks to come.
Check us out on Facebook at https://www.facebook.com/homebuyerradio/.
Want to know more about purchasing a home and mortgage options? Visit my website at http://www.danmoralez.com/ for more information and to contact us for more information.
Dan Moralez
NMLS #709729
Equal Housing Lender