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 […]

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 […]

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 […]

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, […]

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.

This week I talk about why and how we document your income when it comes to the mortgage process. 

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.

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.

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 […]

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 […]