Home Buyer Radio

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