Home Buyer Radio

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