What 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 […]
What 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 […]
What 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 […]
What 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 […]
This week I talk about Mortgage Credit Certificate’s. What they are and how they may benefit home buyers who are eligible for one. Want to know more about home loan options. My team and I would love to help you. You can reach us online at www.danmoralez.com or at 616-931-4629. Dan MoralezNMLS #709729Regional Vice President – […]
I get asked a lot by clients for my opinion on where I think the housing market is going and what impact the pandemic will have on housing. This week I talk about some general thoughts on housing and mortgages and why I still think the American dream of home ownership is still a great […]
Sorry, but I posted episode 161 before 160. That is what happens when you are a mortgage guy and not a podcaster, lol. This week I talk about mortgage shopping and why it is almost impossible. If you are in the market for a mortgage my team and I would love to help you. […]
This week I talk about state specific options. Many states have Housing Finance agencies that offer special mortgage programs to help first time buyers and low to moderate income buyers qualify for an affordable mortgage. We offer programs from a number of states and may be able to assist you or get you connected with […]
As a result of the pandemic, many mortgage programs and guidelines have become more restrictive. This means those clients who were already pre-approved should be updating their approval to make sure they are still qualified. Those who are thinking they want to purchase a home need to start this process even sooner. Now more than […]
This week I talk about what cash reserves are and why having them can benefit you and increase your ability to get a mortgage. With so much changing in the mortgage world, now more than ever you need to share this podcast. Want to explore your home buying options? Please reach out to my team and I. We will be happy to help you explore what options may be available to you. You can reach us online at https://www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President Northpointe Bank is an Equal Housing Lender All loans subject to credit approval Rates, terms and conditions subject to change without notice