Home Buyer Radio

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