This week I talk about why you need to continue to pay your rent. If you fail to continue to make your rent payments you may jeopardize your ability to get approved for a mortgage. 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

With the recent changes in mortgage guidelines, it is extremely important that you update your mortgage pre-approval (if you were already pre-approved). Now more than ever, it is important that you are working a lender that knows what they are doing. If you need assistance, my team and I would love to help you. You can reach us at 616-931-4629 or online at https://www.danmoralez.com. 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.

This week I talk about how you can avoid paying stupid tax by taking some time to be educated about the home loan process and your options. When you assume you know it all, you get the opportunity to pay “stupid tax” by over paying for your home loan. In the market for a home loan, my team and I would love to help you out. You can reach me at 616-931-4629 or at www.danmoralez.com. Dan Moralez NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

When it comes to the amount of a home you can afford, it is all about the monthly payment. Often times clients will want to know how much house they can qualify for when in fact the amount of house you can qualify for is based on the monthly payment you qualify for. In this weeks episode I talk about how taxes and insurance can have an impact on the amount of home you will qualify for and how two houses with the exact same price can have a different outcome on your eligibility. In the market for a home loan, we would love to help you. You can reach my team and I online via our website at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank is an Equal Housing Lender All loans subject to credit approval.

This week I share some stories on how inexperienced Realtors and Lender’s nearly cost some clients thousands of dollars.  I have said it time and time again.  It is very important for clients to have experienced people working for them. If you are in the market to purchase a home or in need of a […]

So you are in the market to buy a home. You go to the internet thinking surely there are a bunch of websites where you can get information for free.  You think that sounds like a good idea until you realize that they are only there to capture your information and sell you to the […]

This week I talk about things you should consider and think about as you look for a Realtor to work with during this home process. Please keep in mind these are some general thoughts to consider and there are exceptions to every rule.  If you are in the market to buy a home in 2020, […]

The end of the year can make or break the home loan process for those of you who are self employed. Trying to limit your tax liability, you can get so creative that you hurt your ability to get a mortgage. This week, I talk about why you will want to be careful about your year end strategy to keep your mortgage chances as favorable as possible. In the market to buy, build or refinance a home? My team and I would love to help you. You can reach us at 616-931-4629 or online at www.danmoralez.com. Dan Moralez NMLS #709729 Regional Vice President Mortgage Loan Officer Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

This week I share a story on how I just closed on a loan for a client who purchased the very first home that I owned. It was fun to look at how the home has changed. However, it affirmed to me what a great decision buying a home is financially. If you are in […]

This week I talk about how your decisions may cost you in the mortgage process.   Next week we will be talking about things self employed borrowers  do prior to years end that can hurt their ability to get a mortgage. Toward the end of the year, I will be doing a series of episodes […]