Merry Christmas from all of us at Home Buyer Radio! I hope you enjoy the holidays with your friends and family. We are grateful for you spending part of your holiday with us and look forward to helping you achieve your dreams of home ownership. 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