HBR 189 - What Is A Debt-to-Income Ratio?
Homebuyer 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 or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the...
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HBR 188 - Higher Rates Ahead?
Homebuyer Radio
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 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...
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HBR 187 - Benefits of Seller Paid Closing Cost
Homebuyer Radio
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
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HBR 186 - Heather's Thoughts on The Lakeshore Housing Market
Homebuyer Radio
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 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...
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HBR 185 - Big Changes To Mortgage Rates
Homebuyer Radio
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 or at 616-499-1996. Dan Moralez Regional VP - Mortgage Loan Officer The Dart Bank NMLS #709729 616-931-4629
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HBR 184 - Why You Need a Real Estate Expert
Homebuyer Radio
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 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...
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HBR 183 - Real Estate Is All About The People!
Homebuyer Radio
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 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...
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HBR 182 - Current Market Conditions in West Michigan with Rachel Gallegos from EXP Realty
Homebuyer Radio
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 . 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 or at 616-931-4629. If you enjoy the podcast and it has helped...
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HBR 181 - What Is Going On With Mortgage Rates?
Homebuyer Radio
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 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...
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HBR 180 - Why So Much Documentation?
Homebuyer 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 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...
info_outlineWhat are the 4 C’s of credit and why do they matter? In this series we talk about how all of them impact your ability to get a mortgage.
The 4 C’s are cash, credit, collateral and capacity. All of these components make up a mortgage file. Should your financial picture be weak in multiple areas you may find getting a mortgage more difficult to get approved.
This week we talk about cash and why a solid down payment can help improve your chances of getting a mortgage approved.
Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629.
Dan Moralez
NMLS #709729
Regional Vice President - Mortgage Loan Officer
Northpointe Bank
All loans subject to credit approval.
Northpointe Bank is an Equal Housing Lender