Home Buyer Radio

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