This week I talk about what happens when you change jobs during the mortgage process. Changing jobs during the process of buying a home can have a huge impact on your ability to qualify and should only happen after you have spoken to us in detail about how it may impact you. If you are in the market to buy a home and need a mortgage, I would love to have the opportunity to help you finance it. You can reach me and my team at 616-931-4629 or online at www.danmoralez.com.

Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval

In this weeks episode I talk about why the experience of your lender can either save you thousands or cost you thousands. I share a couple of stories about clients who tried to work with their local credit union only to have it backfire on them. If you are in the market to buy a home, we would love to help you. You can reach me and my team by calling 616-931-4629 or online at www.danmoralez.com

Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval

This week I talk about the need for your cooperation in the mortgage process. Your cooperation is one of the biggest factors in determining how your mortgage process will go. If you are in the market or even thinking about buying a home, my team and I would love to help you. You can reach us at 616-931-4629 or online via my website at www.danmoralez.com.

Dan Moralez NMLS #709729 Mortgage Loan Officer  Northpointe Bank is an Equal Housing Lender

In this weeks episode I talk about the appraisal process.  Many clients may soon be given the option to skip the appraisal as part of the home buying process.  While you may think that is a good thing, it can potentially come with some risk. Want to learn more about the home buying process or want to get pre-approved for a new mortgage? Feel free to reach out to my team and I. We would love to help you.

Dan Moralez NMLS #709729 616-931-4629 www.danmoralez.com

Northpointe Bank is an Equal Housing Lender

This week I talk about Bridge/Swing loans. What are they, why would you need one and what are the risk associated with them. If you want to explore this mortgage option or figure out what options you are eligible for, you can connect with my team and I via my website at www.danmoralez.com or call us at 616-931-4629.  We would be happy to help you. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS #709729 Equal Housing Lender - All loans subject to credit approval.

This week I talk about credit score’s and why your Credit Karma score is not the same as your mortgage credit score. I know I have talked about this before but I still have clients who don’t understand the difference. I figured now would be a good time to bring the subject back up. As always, my team and I are here to help with all of your mortgage needs. If we can be of assistance you can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729

This week I talk about why you need to be careful when it comes to online home buying resources. While some of these websites may seem to be helpful, the reality is they are in business to sell your personal information to the highest bidder. If you are in the market to buy a home, my team and I would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval

This week I talk about overcoming discouragement during the home buying process.  The housing market is highly competitive and it is easy to become discouraged with the process. I offer some insight on things I have learned since I started mortgage lending back in 1991. If you are in the market to buy a home, my team and I would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval

This week I talk about why and how we document your income when it comes to the mortgage process.  Are you in the market for a mortgage and looking to buy a home? If so, we would love to help you. You can find us online at www.danmoralez.com or you can call me at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval

This week we talk about what your total cash investment is when buying a home. Often times clients only think of the down payment but overlook closing cost and escrows. I explain what you should expect when buying a home. If you are in the market to buy a home, my team and I would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval