Home Buyer Radio

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 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 NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved

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 NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved

This 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.com

This 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 your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved

This week I talk about a big price change that will impact most clients looking to borrow. This price change is significant and will negatively impact most consumers. If you are in the market for a mortgage, my team and I would love to help you finance your new home. You can reach us online at www.danmoralez.com or at 616-499-1996. Dan Moralez Regional VP - Mortgage Loan Officer The Dart Bank NMLS #709729 616-931-4629

This 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, let us help you with your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved

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 Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved

This is the first of a 3 part series with Rachel Gallegos from EXP Realty. In this weeks episode we talk about general market conditions and how things have changed from this past summer. Rachel shares some great insight into current market conditions and what they mean to both buyers and sellers. If you are in the market to purchase or sell a home, you can reach Rachel at 616-566-2401 or online at www.legacyhomepartnersmi.com. 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 https://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. Even better yet, let us help you with your next mortgage. Dan Moralez Regional VP - Mortgage Loan Officer NMLS #709729 All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved

This week I talk about why mortgage rates have been so volatile and the impact it has on clients looking to buy or refinance a home. 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 https://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. Even better yet, let us help you with your next mortgage. Dan Moralez Regional VP - Mortgage Loan Officer NMLS #709729 All loans are subject to credit approval. Northpointe Bank is an Equal Housing Lender. All Rights Reserved

You ever wonder why there is so much documentation required for a home loan? This week I talk about why there is more documentation required than you may think. 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 https://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. Even better yet, let us help you with your next mortgage. Dan Moralez Regional VP - Mortgage Loan Officer NMLS #709729 All loans are subject to credit approval. Northpointe Bank is an Equal Housing Lender. All Rights Reserved

This week we are talking about the recent run up in interest rates and why an adjustable rate mortgage may be worth giving some consideration to. 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 https://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. Even better yet, let us help you with your next mortgage. Dan Moralez Regional VP - Mortgage Loan Officer NMLS #709729 All loans are subject to credit approval. Northpointe Bank is an Equal Housing Lender. All Rights Reserved

Finally 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 loan? Trust my team and I to deliver expert guidance and direction. You can find us online at https://www.danmoralez.com or at 616-931-4629. Daniel J. Moralez NMLS #709729 Equal Housing Lender All loans subject to credit approval

There is a ton of information on the internet and social media when it comes to real estate and mortgages. Many of these "experts" are providing advice that is wrong. This week I share ideas on how to screen some of these "experts". If you want expert guidance provided by someone who has been lending since 1991 with hundreds of reviews, please reach out to my team and I. We would love to help you. Dan Moralez NMLS #709729 616-931-4629 https://www.danmoralez.com Equal Housing Lender All loans subject to credit approval.

This 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.

This week I talk about the impact of higher mortgage rates on homebuyers. Most buyers think they qualify for a specific dollar amount when you qualify for a specific monthly payment. The amount of house that payment will buy is impacted by mortgage rates. If you are in the market to buy a home, our team would love to help you. We lend nationwide and have a number of unique options available to us exclusively. If you would like to learn more. Please reach out to us at 616-931-4629 or online at www.danmoralez.com Dan Moralez Regional VP - Mortgage Loan Officer NMLS #709729 Equal Housing Lender - All Loans Subject to Credit Approval.

This week I talk about the things you should be doing now if you are planning on buying a new home in the new year. Would be home buyers often wait too long to get the pre-approval process started and neglect to understand all that goes into a valid pre-approval. If you are in the market to buy a new home, let my team and I help you through this process. You can reach us at 616-931-4629 or at https://www.danmoralez.com. Dan Moralez NMLS #709729 Equal Housing Lender - All loans subject to credit approval.

This week I remind clients who are self-employed about things they can do before the end of the year that can hurt their ability to get a mortgage. Don't do something that can hurt you! Reach out to us after you listen to this weeks episode. If you are in the market for a home loan, 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 Equal Housing Lender - All loans subject to credit approval.

This week I talk about why higher loan limits matter to those who need a mortgage. These higher loan limits benefit consumers by providing affordable mortgage terms with reasonable qualifying guidelines. If you are in the market for a home loan, my team and I would love to help you. You can reach us online at https://www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Equal Housing Lender - All loans subject to credit approval.

How much do you need to buy a home? Often times clients are familiar with the down payment requirements. However, many are not as familiar with other cost that they should plan for. This week we talk about what would be homebuyers should expect. If you are in preparing to buy a home, my team and I would love to help you. 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 how we determine how much of a home you may be able to qualify for. There are more factors that go into determining your eligibility. I cover some of those details so you can have a better understanding of what options you may have. If you are would like to explore what options you may have, please reach out to my team and I. We would love to help you. You can find us online at www.danmoralez.com or you can 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