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Location:

United States

Language:

English

Contact:

616-931-4629


Episodes

HBR 079 - What Is a Mortgage Underwriter?

6/14/2018
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What is a Mortgage Underwriter and what do they do? In this weeks episode, I explain what a Mortgage Underwriter is and exactly what they do and how it impacts you. If you are in the market for a home loan, we would love to help. You can reach us at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Mortgage Loan Officer Northpointe Bank Equal Housing Lender

Duration:00:07:42

HBR 078 - Understanding Adjustable Rate Mortgages (Part 3)

6/6/2018
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This week I finish up my recent series on adjustable rate mortgages. While these mortgages may not be right for all clients, some clients may benefit from an adjustable rate mortgage. This week we go a little deeper into how they work and how it may or may not benefit you. Want to know more about adjustable rates and/or other mortgage programs, we would love to help you. You can reach us via our website at www.danmoralez.com. Dan Moralez Mortgage Loan Officer NMLS...

Duration:00:11:42

HBR 077 - Understanding Adjustable Rate Mortgages (Part 2)

6/1/2018
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This week we talk more about adjustable rate mortgages. How to understand the pluses and minuses of these types of mortgages. While they are not for everyone, they do serve a place and could help some clients benefit. If you would like to explore these options or learn more, you can contact me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez Regional Vice President NMLS #709729 616-931-4629

Duration:00:07:22

HBR 076 - Understanding Adjustable Rate Mortgages

5/21/2018
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Is an adjustable rate mortgage right for you? It may be depending on your long term financial goals. In many cases, an adjustable rate mortgage could be a solid option that could save you money without taking an inappropriate risk. This week we start to talk about how an adjustable rate mortgage (ARM) works. You may be surprised that it could be a solid option for you. Want to learn more, hit my website at www.danmoralez.com. Dan Moralez VP Mortgage Loan Officer NMLS...

Duration:00:06:16

HBR 075 - Exclusive $0 Down Payment Home Loan

5/7/2018
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This week I talk about a special home loan program that allows for a $0 down payment. This program allows you to pay your loan off in 20 years vs. the traditional 30 year term. There are no income restrictions, you do not have to be a first time home buyer and there are no special areas that limit the location of the property. Want to know more about this program? Visit my website or contact us for more information. You can find me online at www.danmoralez.com and can reach me at...

Duration:00:09:49

HBR 074 - It's All About The Monthly Payment

4/30/2018
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When it comes to the amount of home you qualify for, remember it is all about the monthly payment. In this weeks episode I talk about how your monthly payment determines how much you qualify for and how the same payment can buy a different amount depending on a number of factors. If your in the market for a mortgage, we would love to work with you. You can find me online at www.danmoralez.com. Dan Moralez NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender. All...

Duration:00:07:55

HBR 073 - Who Pre-approved You Matters

4/23/2018
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In this week I talk a little more about why it matters who pre-approved you and I am not just talking about what company. Did you know that your loan officers reputation could hurt you as well? We will be talking about this for the next couple of weeks and invite your questions. If you have a question you would like to ask us, feel free to email me at dan@danmoralez.com. Thanks for listening :) Dan Moralez Regional VP - Mortgage Loan Officer Northpointe Bank NMLS...

Duration:00:03:48

HBR 072 - Get Pre-approved!

4/16/2018
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This week I talk about why getting pre-approved should be the first step in your home buying process. Going house shopping without a pre-approval could be a waste of your time. In the next several weeks we will talk about this and why it matters. If you would like to get pre-approved, we would love to help you. You can learn more by visiting our website at http://www.danmoralez.com. Dan Moralez Regional Vice President NMLS #709729 616-931-4629

Duration:00:03:39

HBR 071 - Own Your Circumstances

4/2/2018
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It is not uncommon for clients to have had a financial set back at some point in time. While some circumstances are truly unavoidable, others were avoidable and were the result of our own personal decisions. Those decisions, may have a lasting impact and require some additional work to get around in the home buying process. In this weeks episode, I talk about owning your circumstances. If you have a question or concern you would like me to address on the podcast or in regards to your...

Duration:00:07:09

HBR 070 - Construction Loan Payments

3/26/2018
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What are your payments during your construction loan? How are they figured and what should you expect. We talk about all of that in more detail in this weeks episode. 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...

Duration:00:06:03

HBR 069 - Construction Loan Types

3/19/2018
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This week we talk about the different types of construction loans. What is a construction permanent loan vs. a construction only loan. We will explain it all in this weeks episode. 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...

Duration:00:06:32

HBR 068 - Construction Loan Down Payments

3/12/2018
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This week, I talk about down payments on construction loans. How they differ from lender to lender and even from product to product. Are you looking to build? We would love to help you learn more about it. Visit my website for more details on how we may be able to help you. 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...

Duration:00:04:22

HBR 067 - Construction Loans

3/5/2018
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This week we start a new mini series on Construction Loans. More and more clients are having difficulty finding a home to buy, so they are looking at building a home vs. buying an existing home. 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...

Duration:00:02:50

HBR 066 - PMI Getting Tighter?

2/26/2018
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In this weeks episode I talk about recent changes from PMI companies and how they will impact clients who have smaller down payment, higher debt ratios and lower credit scores. 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...

Duration:00:03:34

HBR 065 - Checking Your Credit

2/19/2018
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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...

Duration:00:05:42

HBR 064 - Interest Rates On The Rise!

2/12/2018
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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...

Duration:00:08:13

HBR 063 - Veteran's Don't Overlook Your VA Home Loan Benefit!

2/5/2018
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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...

Duration:00:03:12

HBR 062 - Buying a Home for a Family Member

1/29/2018
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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...

Duration:00:03:25

HBR 061 - Special Options for Low-Moderate Income Borrowers

1/22/2018
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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

Duration:00:04:03

HBR 060 - Before You Make That Big Move

1/15/2018
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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

Duration:00:02:28