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 #709729 Northpointe Bank 616-931-4629

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

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 #709729 Northpointe Bank - Equal Housing Lender

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 616-931-4629. Dan Moralez Mortgage Loan Officer Northpointe Bank NMLS #709729

Equal Housing Lender All Loans Subject To Credit Approval

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 loans subject to credit approval.

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 [email protected].

Thanks for listening :) Dan Moralez Regional VP - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 www.danmoralez.com

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 [email protected].

Thanks for listening :)

Dan Moralez
Regional VP - Mortgage Loan Officer
Northpointe Bank
NMLS #709729
616-931-4629
www.danmoralez.com

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

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

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 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 Lender.  All Loan Subject to Credit Approval.