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Location:

United States

Language:

English

Contact:

616-931-4629


Episodes

HBR 038 - Can You Get a Mortgage with Bad Credit?

8/11/2017
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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

Duration: 00:03:17


HBR 037 - Answers To Your Questions

8/4/2017
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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

Duration: 00:05:47


HBR 036 - You Can’t Always Believe What You Have Been Told

7/28/2017
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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...

Duration: 00:03:47


HBR 035 - The Process of Picking a Mortgage Loan Officer

7/21/2017
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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

Duration: 00:05:09


HBR 034 - Having Reasonable Expectations

7/14/2017
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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

Duration: 00:04:32


HBR 033 - How To Screw Up Your Mortgage Approval - Failing To Cooperate

7/7/2017
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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...

Duration: 00:05:14


HBR 032 - How To Screw Up Your Mortgage Approval - Lying On Your Mortgage Application

6/30/2017
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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...

Duration: 00:04:00


HBR 031 - How to Screw Up Your Mortgage Approval - Tracking Deposits Into Your Bank Account

6/23/2017
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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

Duration: 00:03:20


HBR 030 - How to Screw Up Your Mortgage Approval - New Debts

6/16/2017
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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

Duration: 00:04:36


HBR 029 - How To Screw Up Your Loan Approval - Switching Jobs

6/9/2017
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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

Duration: 00:03:34


HBR 028 - Divorce & Mortgages - Final Thoughts

6/2/2017
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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

Duration: 00:04:35


HBR 027 - Divorce & Mortgages - Paying Child Support & Alimony

5/26/2017
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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

Duration: 00:05:04


HBR 026 - Divorce & Mortgages - Qualifying Income

5/19/2017
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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...

Duration: 00:05:57


HBR 025 - Qualifying for a Mortgage with Student Loans

5/12/2017
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This week I talk about how it just got easier to qualify for a mortgage with student loan debt. If you have been turned down for a mortgage because of student loans, you will not want to miss this weeks episode. Ready to get started on the home buying process? Visit my website to get started on a no obligation mortgage approval. You can find my website at www.danmoralez.com. Dan Moralez Mortgage Loan Officer Northpointe Bank NMLS #709729 Member FDIC - Equal Housing Lender

Duration: 00:06:24


HBR 024 - Divorce and Mortgages, Part 1

5/5/2017
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In this weeks episode I talk about mortgages and divorce. This is the first of multiple episodes on Divorce and the mortgage process. Want to get started on a mortgage preapproval without cost or obligation? You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS #709729 Northpointe Bank is a member FDIC and an Equal Housing Lender

Duration: 00:06:00


HBR 023 - How Do You Select A Realtor?

4/28/2017
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This week I talk about some things you should consider when looking at what Realtor you should hire for your house hunt. Would you like a referral to a Realtor? Want to get started on a mortgage preapproval without cost or obligation? You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS #709729 Northpointe Bank is a member FDIC and an Equal Housing Lender

Duration: 00:05:40


HBR 022 - Pre-qualification vs. Pre-approval

4/21/2017
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This week I talk about the differences between a mortgage pre-qualification and a mortgage pre-approval. Want to get started on a mortgage pre-approval without cost or obligation? You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS #709729 Northpointe Bank is a member FDIC and an Equal Housing Lender

Duration: 00:05:33


HBR 021 - Home Shopping Without A Pre-approval?

4/14/2017
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Should you be home shopping without having a mortgage pre-approval? Absolutely not! How do you know what you can afford if you have not been to the bank first. In this weeks episode I explain why you should be pre-approved before you look for a home. Want to get started on a mortgage preapproval without cost or obligation? You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS...

Duration: 00:03:15


HBR 020 - Private Mortgage Insurance (PMI) Part 3

4/7/2017
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In this weeks episode I go even deeper into Private Mortgage Insurance (PMI) and how it can be structured in different ways depending on your long term goals. As with most things there are pluses and minuses to each option. Let us help you figure out what the best option for you is. You can start your application online at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President Northpointe Bank NMLS #709729 Northpointe Bank is...

Duration: 00:05:48


HBR 019 - Private Mortgage Insurance (PMI) Part 2

3/31/2017
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In this weeks episode I talk further about Private Mortgage Insurance (PMI). There are a number of ways PMI insurance can be structured. Remember, it is only required on conventional loans with down payments of less than 20%. Want to know more about your specific situation and how PMI could impact you? Schedule a time with us to review your options. You can do that by applying on my website at www.danmoralez.com or by calling my office at 616-931-4629. Dan Moralez Mortgage Loan...

Duration: 00:05:52

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