Home Buyer Radio

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