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Location:

United States

Language:

English

Contact:

616-931-4629


Episodes

HBR 119 - Understanding Your Total Cash Investment

4/22/2019
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This week we talk about what your total cash investment is when buying a home. Often times clients only think of the down payment but overlook closing cost and escrows. I explain what you should expect when buying a home. If you are in the market to buy a home, my team and I would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to...

Duration:00:06:51

HBR 118 - Documenting Your Down Payment

4/15/2019
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This week I talk about why documenting your funds you will be using for down payment is so important. This is one area that clients tend to be the most frustrated with. I break down the details and why it matters. In the market to buy a home? I would love to help you. You can reach me online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval

Duration:00:11:00

HBR 117 - Important Changes to FHA loans

4/7/2019
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If you were pre-approved for an FHA mortgage, recent changes to the FHA scorecard may have a huge impact on you and could make you potentially ineligible. If you are in the market to buy a home and need a mortgage, my team and I would love to help you. You can reach me online at www.danmoralez.com or via phone/text at 616-931-4629. We look forward to having the opportunity to work with you. Dan Moralez NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

Duration:00:03:59

HBR 115 - What are Rates?

3/18/2019
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This week we talk about what are mortgage rates and the number of factors that can impact the rates and terms you are eligible for. If you want straight forward facts and options when it comes to your next mortgage, connect with my team and I. For nearly 28 years I have been working with clients all over the country to provide honest mortgage answers. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629. We look forward to having the opportunity to help...

Duration:00:06:38

HBR 114 - Twice the Home - Half the Mortgage Payment?

3/11/2019
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I feel like I record this episode every few weeks. It seems like a day doesn't go by that I don't talk to clients who have expectations that are unrealistic. If you are in the market for a mortgage, connect with my team and I so we can help you have realistic expectations about your home purchase. This will make your home buying process more realistic and a better overall experience for you. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629. We look...

Duration:00:06:18

HBR 113 - Get Pre-approved BEFORE You Sell Your Current Home

3/4/2019
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Thinking of selling your current home? Get pre-approved BEFORE you sell your current home. I continue to see clients sell their current home before getting pre-approved for a new loan for a new home. A number of these clients have NOT been able to get approved for a new home when their current home is now under contract to be sold. Don't let that happen to you. Connect with us to get pre-approved BEFORE you sell your current home. You can reach me and my team online at...

Duration:00:06:50

HBR 112 - Turned Down For a Mortgage? Get a Second Opinion!

2/25/2019
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If you have been turned down for a mortgage, you should be getting a second opinion. In the recent week, I have had a number of clients who were turned down for a mortgage that we were able to get approved. Just because a lender tells you that you don't qualify, don't assume they know what they are doing. Reach out to my team and I for a second opinion. If we can't help you, we will give you a solid game plan to help you get to a point where home ownership may be a possibility for...

Duration:00:05:58

HBR 111 - Creative Mortgage Insurance Structures

2/18/2019
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You don't have 20% down, but also don't want to pay mortgage insurance. In this weeks episode, I talk about some creative ways you can do a smaller down payment without the expense of monthly mortgage insurance. Are you in the market to finance a home? If so, we would love to help you out. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729 Mortgage Loan Officer Northpointe Bank is an Equal Housing Lender

Duration:00:06:15

HBR 110 - Down Payment Myths

2/11/2019
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This week we are talking about down payments and down payment myths. There are a number of options now available that allow for little to no down payment. To find out what your eligible for please contact us. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729 Mortgage Loan Officer Northpointe Bank is an Equal Housing Lender

Duration:00:05:54

HBR 109 - Why Getting Pre-approved Matters

2/4/2019
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This week I talk about why getting pre-approved matters and how it saved this client a ton of money. If you are in the market to purchase a home and need a mortgage, we would love to help you. You can reach us at 616-931-4629 or online at http://www.danmoralez.com. Dan Moralez Mortgage Loan Officer NMLS #709729 Northpointe Bank Northpointe Bank is an Equal Housing Lender. All loans subject to credit approval.

Duration:00:06:05

HBR 108 - Realtor Steve Volkers - Wisdom for Homebuyers

1/28/2019
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This week I am honored to have Realtor Steve Volkers join me. Steve is a dominant force in West Michigan Real Estate. Steve shares with me wisdom and insight that is applicable to home buyers no matter what part of the country they are located in. If you are in need of a mortgage, my team and I would love to help you. You can reach me at 616-931-4629 or you can find me online at http://www.danmoralez.com. Dan Moralez Mortgage Loan Officer (NMLS #709729) Northpointe Bank Northpointe...

Duration:00:36:16

HBR 107 - Brandon Faber of JH Realty

1/21/2019
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This week Brandon Faber of JH Realty Partners offers wisdom for both buyers and sellers as they approach the 2019 housing market. If you or someone you know is in the market to buy a home in 2019, we would love to help you finance it and help you find a Realtor who is experienced and can help you. Contact us for more information. We can be reached at 616-931-4629 or at http://www.danmoralez.com. Dan Moralez NMLS #709729 Regional Vice President Mortgage Loan Officer Northpointe...

Duration:00:32:13

HBR 106 - Realtor Trish Cornelius - Market Update and Advice

1/14/2019
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This week Trish Cornelius from Keller Williams joins me to talk about what is happening in the Greater Grand Rapids, Michigan real estate market and offers advice for both buyers and sellers as they look at the 2019 housing market. If you or someone you know is in the market to buy a home in 2019, we would love to help you finance it and help you find a Realtor who is experienced and can help you. Contact us for more information. We can be reached at 616-931-4629 or at...

Duration:00:32:52

HBR 105 - Thoughts for Home Sellers with Rebecca Perkins (Realtor)

1/7/2019
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This week Rebecca shares some tips for home sellers. Pricing a home requires data and market knowledge. It is super important to work with a Realtor who is seasoned and knows what they are doing. If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez Regional Vice President Northpointe Bank NMLS #709729 616-931-4629 Northpointe Bank...

Duration:00:14:09

HBR 104 - Importance of a skilled Realtor with Rebecca Perkins

12/31/2018
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This week Rebecca and I talk about the importance of working with a seasoned Realtor and share a story of how it cost one client a lot of time, money and frustration. If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez Regional Vice President Northpointe Bank NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

Duration:00:11:15

HBR 103 - Market Update with Realtor Rebecca Perkins

12/24/2018
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This week Rebecca and I talk about what is currently happening in the real estate market in West Michigan. The market in West Michigan is similar to what we are seeing and hearing from others in the industry. If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez Regional Vice President Northpointe Bank NMLS...

Duration:00:08:49

HBR 102 - Record Number of Real Estate Agents

12/17/2018
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This week we talk about how there are a record number of Real Estate Agents to work with and how that impacts you. If you are in the market to purchase a home, we would love to help you find a great Realtor and the best mortgage option. You can find us online at http://www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Mortgage Loan Officer Northpointe Bank Northpointe Bank is an Equal Housing Lender

Duration:00:10:45

HBR 101 - Year End Thoughts For Self Employed Clients

12/10/2018
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If you are self employed and you are planning to buy a house in 2019, you need to listen to this weeks podcast. This week we talk about things self employed clients can do that will hurt their chances of buying a home. If you are self employed and want an expert with self employed clients, please reach out to me. I have helped hundred's of self employed clients get approved for a mortgage. You can reach me at 616-931-4629 or online at http://www.danmoralez.com. Dan Moralez NMLS...

Duration:00:05:46

HBR 100 - Budgeting

12/3/2018
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For episode #100 what better topic then Budgeting? How can you buy a home if you don't have a budget or plan in place to succeed. In this weeks episode I talk about the importance of having a budget before you get ready to buy a home. Are you in the market to buy a home? Before you get too far into the process of looking at homes, you need to make sure you have a game plan for your mortgage. Let me and my team of mortgage experts help you to succeed. You can reach me and my team at...

Duration:00:08:41

HBR 099 - The First Step to Buying a Home

11/26/2018
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Are you just window shopping? Are you looking for a home without having a mortgage pre-approval? I talk about why you need to get pre-approved before looking at homes. We would love to help you finance your new home. You can reach me at 616-931-4629 or online at http://www.danmoralez.com Dan Moralez Mortgage Loan Officer Regional Vice President Northpointe Bank NMLS #709729 Northpointe Bank is an Equal Housing Lender

Duration:00:04:35