This week I talk about why documenting your funds you will be using for down payment is so important. This is one area that clients tend to be the most frustrated with. I break down the details and why it matters. In the market to buy a home? I would love to help you. You can reach me online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval

If you were pre-approved for an FHA mortgage, recent changes to the FHA scorecard may have a huge impact on you and could make you potentially ineligible.   If you are in the market to buy a home and need a mortgage, my team and I would love to help you. You can reach me online at www.danmoralez.com or via phone/text at 616-931-4629. We look forward to having the opportunity to work with you. Dan Moralez NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

I wanted to try something new this week and push out a video vs. our standard audio podcast. I would love to hear your feedback on your preference. If you would prefer video vs. audio.  

This week I talk about why a lower rate with higher cost may not always be the best option for clients and why you may want to consider a higher rate with lower cost.

If you are in the market for a mortgage, 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 Regional Vice President NMLS #709729 Northpointe Bank

Equal Housing Lender

This week we talk about what are mortgage rates and the number of factors that can impact the rates and terms you are eligible for. If you want straight forward facts and options when it comes to your next mortgage, connect with my team and I. For nearly 28 years I have been working with clients all over the country to provide honest mortgage answers. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629.  We look forward to having the opportunity to help you. Dan Moralez Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

I feel like I record this episode every few weeks. It seems like a day doesn't go by that I don't talk to clients who have expectations that are unrealistic. If you are in the market for a mortgage, connect with my team and I so we can help you have realistic expectations about your home purchase. This will make your home buying process more realistic and a better overall experience for you. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629.  We look forward to having the opportunity to help you. Dan Moralez Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

Thinking of selling your current home? Get pre-approved BEFORE you sell your current home. I continue to see clients sell their current home before getting pre-approved for a new loan for a new home.  A number of these clients have NOT been able to get approved for a new home when their current home is now under contract to be sold.  Don't let that happen to you. Connect with us to get pre-approved BEFORE you sell your current home. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629.  We look forward to having the opportunity to help you. Dan Moralez Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

If you have been turned down for a mortgage, you should be getting a second opinion. In the recent week, I have had a number of clients who were turned down for a mortgage that we were able to get approved.   Just because a lender tells you that you don't qualify, don't assume they know what they are doing. Reach out to my team and I for a second opinion. If we can't help you, we will give you a solid game plan to help you get to a point where home ownership may be a possibility for you. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629.  We look forward to having the opportunity to help you. Dan Moralez Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

You don't have 20% down, but also don't want to pay mortgage insurance. In this weeks episode, I talk about some creative ways you can do a smaller down payment without the expense of monthly mortgage insurance. Are you in the market to finance a home? If so, we would love to help you out. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729 Mortgage Loan Officer Northpointe Bank is an Equal Housing Lender

This week we are talking about down payments and down payment myths. There are a number of options now available that allow for little to no down payment.

To find out what your eligible for please contact us. You can reach me at 616-931-4629 or via my website at www.danmoralez.com.  Dan Moralez NMLS #709729 Mortgage Loan Officer Northpointe Bank is an Equal Housing Lender

This week I talk about why getting pre-approved matters and how it saved this client a ton of money.   If you are in the market to purchase a home and need a mortgage, we would love to help you. You can reach us at 616-931-4629 or online at http://www.danmoralez.com. Dan Moralez Mortgage Loan Officer NMLS #709729 Northpointe Bank Northpointe Bank is an Equal Housing Lender.  All loans subject to credit approval.