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 areas you may find getting a mortgage more difficult to get approved. This week we talk about collateral.  What is the home that secures your mortgage worth and does it adequately secure the banks interest in your home. Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

Home Buyer Radio

HBR 166 - The 4 C’s of Credit - Collateral (What is Your Home Worth)

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 areas you may find getting a mortgage more difficult to get approved. This week we talk about capacity. How much debt can you afford to pay based on your income? This makes a huge difference on the amount of home you may be eligible to finance. Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

HBR 165 - The 4 C’s of Credit - Capacity (How Much Debt Can You Handle)

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 areas you may find getting a mortgage more difficult to get approved. This week we talk about the impact of your credit on the mortgage process. Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

HBR 164 - The 4 C’s of Credit - Why Your Credit Matters

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 areas you may find getting a mortgage more difficult to get approved. This week we talk about cash and why a solid down payment can help improve your chances of getting a mortgage approved. Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

HBR 163 - The 4 C’s of Credit - Cash is King

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 Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer All loans subject to credit approval. Rates terms and conditions subject to change without notice. Northpointe Bank is an Equal Housing Lender.

HBR 162 - Mortgage Credit Certificates

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.  You can reach us online at www.danmoralez.com or at 616-931-4629 Dan Moralez Regional Vice President NMLS #709729 Northpointe Bank is an Equal Housing Lender All loans are subject to credit approval Rates, terms and conditions are subject to change without notice

HBR 160 - Mortgage Shopping

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 long term investment. If you are in the market for a mortgage my team and I would love to help you.  You can reach us online at www.danmoralez.com or at 616-931-4629 Dan Moralez Regional Vice President NMLS #709729 Northpointe Bank is an Equal Housing Lender All loans are subject to credit approval Rates, terms and conditions are subject to change without notice

HBR 161 - Where Is The Market Going?

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 somebody who can assist you. If you would like to learn more you can reach us at 616-931-4629 or online at www.danmoralez.com. Dan Moralez Regional Vice President NMLS #709729  Northpointe Bank is an Equal Housing Lender All loans subject to credit approval

HBR 159 - State Specific Programs

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 ever it is very important that your start this process sooner. In the market for a mortgage, my team and I would love to help you.  You can reach us online at www.danmoralez.com or at 616-931-4629. Thanks for listening and make sure to leave a review of the podcast. Daniel J. Moralez Regional Vice President NMLS #709729 Northpointe Bank is an Equal Housing Lender  All loans are subject to credit approval

HBR 158 - Start Sooner & Update Your Pre-approval

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

HBR 157 - What Are Cash Reserves & Why You Need Them

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

HBR 156 - Why You Need to Pay Your Rent

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.

HBR 155 - Update Your Pre-approval!

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 

HBR 154 - Don’t Pay Stupid Tax

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.

HBR 153 - How Much Home Can You Afford?

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 mortgage.  My team and I would love to have the opportunity to help you.  You can find us online at www.danmoralez.com .  You can also call us at 616-931-4629. Dan Moralez NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

HBR 152 - The Blind Leading The Blind

So your thinking of buying a home. In this podcast I share with you insider secrets and tips on how to successfully purchase a home. In addition, I will interview industry experts on real estate trends to help make sure you have the most cutting edge information available.