Shows
Home Buyer RadioHBR 189 - What Is A Debt-to-Income Ratio?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 61...2023-03-0106 min
Home Buyer RadioHBR 188 - Higher Rates Ahead?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...2023-02-2204 min
Home Buyer RadioHBR 187 - Benefits of Seller Paid Closing CostThis 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.com2023-02-0814 min
Home Buyer RadioHBR 186 - Heather's Thoughts on The Lakeshore Housing MarketThis 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 you...2023-02-0312 min
Home Buyer RadioHBR 184 - Why You Need a Real Estate ExpertThis 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, le...2023-01-1815 min
Home Buyer RadioHBR 183 - Real Estate Is All About The People!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...2023-01-1109 min
Home Buyer RadioHBR 178 - Self-Employed & Appraisal UpdatesFinally 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...2022-02-0611 min
Home Buyer RadioHBR 176 - Second Home & Condo Financing UpdatesThis 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.2022-01-2311 min
Home Buyer RadioHBR 166 - The 4 C’s of Credit - Collateral (What is Your Home Worth)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...2020-07-2713 min
Home Buyer RadioHBR 165 - The 4 C’s of Credit - Capacity (How Much Debt Can You Handle)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 ma...2020-07-2011 min
Home Buyer RadioHBR 164 - The 4 C’s of Credit - Why Your Credit MattersWhat 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...2020-07-1308 min
Home Buyer RadioHBR 163 - The 4 C’s of Credit - Cash is KingWhat 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...2020-07-0606 min
Home Buyer RadioHBR 162 - Mortgage Credit CertificatesThis 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.2020-06-2807 min
Home Buyer RadioHBR 160 - Mortgage ShoppingSorry, 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...2020-06-1911 min
Home Buyer RadioHBR 161 - Where Is The Market Going?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 V...2020-06-1305 min
Home Buyer RadioHBR 159 - State Specific ProgramsThis 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 Ho...2020-06-0505 min
Home Buyer RadioHBR 158 - Start Sooner & Update Your Pre-approvalAs 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. ...2020-05-3010 min
Home Buyer RadioHBR 157 - What Are Cash Reserves & Why You Need ThemThis 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 Pres...2020-05-0804 min
Home Buyer RadioHBR 156 - Why You Need to Pay Your RentThis 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 Equa...2020-05-0105 min
Home Buyer RadioHBR 155 - Update Your Pre-approval!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...2020-04-2506 min
Home Buyer RadioHBR 154 - Don’t Pay Stupid TaxThis 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 Lo...2020-03-0210 min
Home Buyer RadioHBR 153 - How Much Home Can You Afford?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 t...2020-02-0908 min
Home Buyer RadioHBR 152 - The Blind Leading The BlindThis 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 E...2020-01-2511 min
Home Buyer RadioHBR 151 - The Web of Lies (Lead Generators)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 li...2020-01-1612 min
Home Buyer RadioHBR 150 - Considerations When Hiring a RealtorThis 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...2020-01-0915 min
Home Buyer RadioHBR 149 - Year End Thoughts for Self Employed ClientsThe 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...2019-12-2106 min
Home Buyer RadioHBR 148 - Financing My First Home For a ClientThis 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 NM...2019-12-1309 min
Home Buyer RadioHBR 147 - The Cost of a Bad DecisionThis 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 ww...2019-12-0710 min
Home Buyer RadioHBR 146 - Talking Credit RepairThis 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 2019-11-2427 min
Home Buyer RadioHBR 145 - Home Loans and Your CreditThis 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 subj...2019-11-1309 min
Home Buyer RadioHBR 144 - Understanding the Impact of Collection AccountsIn 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 t...2019-10-2306 min
Home Buyer RadioHBR 143 - Understanding The Impact of Credit UtilizatonIn 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...2019-10-1216 min
Home Buyer RadioHBR 142 - Rebecca Perkins - Realtor GuestThis 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 o...2019-10-0334 min
Home Buyer RadioHBR 141 - What Happens When The Fed Cut’s Rates?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 R...2019-09-2706 min
Home Buyer RadioHBR 140 - Self Employed and Need a Mortgage?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 616-931-462...2019-09-1708 min
Home Buyer RadioHBR 139 - How Soon Should You Start The Mortgage ProcessIn 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 a...2019-09-1211 min
Home Buyer RadioHBR 138 - Realtor Guest - Ashley Dietch-SchaeferThis 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.dan...2019-09-0430 min
Home Buyer RadioHBR 137 - The Problems You HaveIn 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.2019-08-2606 min
Home Buyer RadioHBR 136 - Start The Process EarlierIf 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.2019-08-1908 min
Home Buyer RadioHBR 135 - Trust But VerifyWhen 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.d...2019-08-1205 min
Home Buyer RadioHBR 134 - The Difference Between Being Pre-qualified vs. Pre-approvedIn 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.2019-08-0606 min
Home Buyer RadioHBR 133 - Mortgage Info Everywhere - What to BelieveMortgage 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 Moralez2019-07-2911 min
Home Buyer RadioHBR 132 - Sandi Beelen from ReMax LakeshoreThis 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 - A...2019-07-2320 min
Home Buyer RadioHBR 131 - The Cost of WaitingIn 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 Lo...2019-07-1505 min
Home Buyer RadioHBR 130 - Ever Changing World of MortgagesIn 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 Moralez2019-07-0807 min
Home Buyer RadioHBR 129 - Changing Jobs During The Mortgage ProcessThis 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 M...2019-07-0106 min
Home Buyer RadioHBR 128 - Experience Matters!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...2019-06-2406 minHome Buyer RadioHBR 127 - Help Us To Help YouThis 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 Lender2019-06-1806 minHome Buyer RadioHBR 126 - Death of the Appraiser?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...2019-06-1010 minHome Buyer RadioHBR 125 - What is a Bridge/Swing Loan?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.2019-06-0310 minHome Buyer RadioHBR 123 - Credit Karma - Bad Karma?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...2019-05-2706 minHome Buyer RadioHBR 122 - Be Careful with Online Home Buying ResourcesThis 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...2019-05-1308 minHome Buyer RadioHBR 121 - Overcoming Discouragement During The Home Buying ProcessThis 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 - Al...2019-05-0605 minHome Buyer RadioHBR 120 - Documenting Your IncomeThis 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 Approval2019-04-2906 minHome Buyer RadioHBR 119 - Understanding Your Total Cash InvestmentThis 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 C...2019-04-2206 minHome Buyer RadioHBR 118 - Documenting Your Down PaymentThis 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 Approval2019-04-1511 minHome Buyer RadioHBR 117 - Important Changes to FHA loansIf 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 Lender2019-04-0804 minHome Buyer RadioHBR 116 - Rate vs. CostI 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 v...2019-03-2604 minHome Buyer RadioHBR 115 - What are Rates?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 Moralez2019-03-1806 minHome Buyer RadioHBR 114 - Twice the Home - Half the Mortgage Payment?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...2019-03-1106 minHome Buyer RadioHBR 113 - Get Pre-approved BEFORE You Sell Your Current HomeThinking 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 616-931-462...2019-03-0406 minHome Buyer RadioHBR 112 - Turned Down For a Mortgage? Get a Second Opinion!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 fo...2019-02-2505 minHome Buyer RadioHBR 111 - Creative Mortgage Insurance StructuresYou 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 Lender2019-02-1806 minHome Buyer RadioHBR 110 - Down Payment MythsThis 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 Lender2019-02-1105 minHome Buyer RadioHBR 109 - Why Getting Pre-approved MattersThis 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.2019-02-0406 minHome Buyer RadioHBR 108 - Realtor Steve Volkers - Wisdom for HomebuyersThis 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...2019-01-2836 minHome Buyer RadioHBR 107 - Brandon Faber of JH RealtyThis 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...2019-01-2132 minHome Buyer RadioHBR 106 - Realtor Trish Cornelius - Market Update and AdviceThis 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 Moralez2019-01-1432 minHome Buyer RadioHBR 105 - Thoughts for Home Sellers with Rebecca Perkins (Realtor)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 B...2019-01-0714 minHome Buyer RadioHBR 104 - Importance of a skilled Realtor with Rebecca PerkinsThis 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 E...2018-12-3111 minHome Buyer RadioHBR 103 - Market Update with Realtor Rebecca PerkinsThis 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 616-931-46292018-12-2408 minHome Buyer RadioHBR 102 - Record Number of Real Estate AgentsThis 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 Lender2018-12-1710 minHome Buyer RadioHBR 101 - Year End Thoughts For Self Employed ClientsIf 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 Officer2018-12-1005 minHome Buyer RadioHBR 100 - BudgetingFor 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...2018-12-0308 minHome Buyer RadioHBR 099 - The First Step to Buying a HomeAre 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 Lender2018-11-2604 minHome Buyer RadioHBR 098 - Pitfalls of Store Credit Card OffersWith 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 i...2018-11-1902 minHome Buyer RadioHBR 097 - Telling You What You Want To HearIn 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 President2018-11-1205 minHome Buyer RadioHBR 096 - Buyer FatigueYou 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 Ban...2018-11-0207 minHome Buyer RadioHBR 095 - Why I Do What I Do & Higher Interest RatesThis 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 Lender2018-10-2606 minHome Buyer RadioHBR 094 - Relocation, New Job and CreditThis 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 Lender2018-10-1809 minHome Buyer RadioHBR 093 - Why Your Bank May Not Be The Best For a MortgageOften 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...2018-10-0506 minHome Buyer RadioHBR 092 - Working With An Experienced Loan OfficerLast 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 Lender2018-09-2807 minHome Buyer RadioHBR 091 - Do You Need A Realtor?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 ...2018-09-2107 minHome Buyer RadioHBR 090 - Mortgage PreapprovalsWhy 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 Of...2018-09-1404 minHome Buyer RadioHBR 089 - Your Cooperation and CircumstancesThis 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 Ba...2018-09-0704 minHome Buyer RadioHBR 088 - Rates and Closing CostI 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 c...2018-08-3104 minHome Buyer RadioHBR 087 - Buyer's AgencySo 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...2018-08-2304 minHome Buyer RadioHBR 086 - VA Home Loan Specialist Brad Stinson InterviewThis 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 approval2018-08-0211 minHome Buyer RadioHBR 085 - Rate and Closing Cost Go Hand in HandIn 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...2018-07-2603 minHome Buyer RadioHBR 084 - Understanding Your Mortgage OptionsIn 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 yo...2018-07-1907 minHome Buyer RadioHBR 083 - Is Your Loan Officer Good?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...2018-07-1208 minHome Buyer RadioHBR 082 - How Good is Your Pre-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 a...2018-07-0506 minHome Buyer RadioHBR 081 - What does a Loan Officer do?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...2018-06-2906 minHome Buyer RadioHBR 080 - What is a Mortgage Processor?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 Lender2018-06-2207 minHome Buyer RadioHBR 079 - What Is a Mortgage Underwriter?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 Lender2018-06-1407 minHome Buyer RadioHBR 078 - Understanding Adjustable Rate Mortgages (Part 3)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 616-931-46292018-06-0611 minHome Buyer RadioHBR 077 - Understanding Adjustable Rate Mortgages (Part 2)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 616-931-46292018-06-0107 minHome Buyer RadioHBR 076 - Understanding Adjustable Rate MortgagesIs 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 Housin...2018-05-2106 minHome Buyer RadioHBR 075 - Exclusive $0 Down Payment Home LoanThis 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 M...2018-05-0709 minHome Buyer RadioHBR 074 - It's All About The Monthly PaymentWhen 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...2018-04-3007 min