Home Buyer Radio
188 episodes - English - Latest episode: over 1 year ago - ★★★★★ - 19 ratingsSo 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.
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Episodes
HBR 189 - What Is A Debt-to-Income Ratio?
March 01, 2023 13:14 - 6 minutes - 22.2 MBIn this weeks episode I talk about what a debt-to-income ratio is and why it is one of the most important ratios when it comes to a home loan. I explain what counts as part of your debt-to-income ratio and what doesn't. If you are in the market to buy a home, this is important information to understand as it will impact your ability to qualify. If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-93...
HBR 188 - Higher Rates Ahead?
February 22, 2023 12:30 - 4 minutes - 13.5 MBThis week I talk about recent changes to mortgage pricing and how they can impact clients. If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet, let us help you with your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Officer The Dart Bank NMLS #709729 ...
HBR 187 - Benefits of Seller Paid Closing Cost
February 08, 2023 12:15 - 14 minutes - 35.8 MBThis week Heather and I discuss the benefits of seller paid closing cost and how they can help you purchase a home sooner. If you want to know more about this great strategy, feel free to reach out to me and I can explain the options in more detail. Daniel J Moralez NMLS 709729 Phone 616-931-4629 www.danmoralez.com
HBR 186 - Heather's Thoughts on The Lakeshore Housing Market
February 03, 2023 11:30 - 12 minutes - 30.9 MBThis week Heather Klompmaker from EXP Realty and I talk about West Michigan's Lakeshore Housing Market. Heather gives some insight into current market conditions and what to expect as we head into the 2023 Spring Housing Market. If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet...
HBR 185 - Big Changes To Mortgage Rates
January 25, 2023 10:30 - 5 minutes - 15.4 MBThis week I talk about a big price change that will impact most clients looking to borrow. This price change is significant and will negatively impact most consumers. If you are in the market for a mortgage, my team and I would love to help you finance your new home. You can reach us online at www.danmoralez.com or at 616-499-1996. Dan Moralez Regional VP - Mortgage Loan Officer The Dart Bank NMLS #709729 616-931-4629
HBR 184 - Why You Need a Real Estate Expert
January 18, 2023 13:45 - 15 minutes - 14.2 MBThis week Rachel Gallegos and I finish up our 3 part discussion on the West Michigan real estate market. We talk about the importance of having a great agent on your side and share a story of what happens when you don't. If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet, let us h...
HBR 183 - Real Estate Is All About The People!
January 11, 2023 20:45 - 9 minutes - 8.25 MBThis week Rachel and I talk about how people are the heart of what we do. I like to say we are here to serve and not sell. If you are in the market to finance a home, my team and I would love to help you. You can find us online at www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Better yet, let us help you with your home loan. Daniel J. Moralez Regional Vice President Mortgage Loan Of...
HBR 182 - Current Market Conditions in West Michigan with Rachel Gallegos from EXP Realty
January 02, 2023 12:00 - 13 minutes - 35 MBThis is the first of a 3 part series with Rachel Gallegos from EXP Realty. In this weeks episode we talk about general market conditions and how things have changed from this past summer. Rachel shares some great insight into current market conditions and what they mean to both buyers and sellers. If you are in the market to purchase or sell a home, you can reach Rachel at 616-566-2401 or online at www.legacyhomepartnersmi.com. If you are in the market to finance a home, my team an...
HBR 181 - What Is Going On With Mortgage Rates?
March 13, 2022 13:00 - 11 minutes - 10.5 MBThis week I talk about why mortgage rates have been so volatile and the impact it has on clients looking to buy or refinance a home. If you are in the market to finance a home, my team and I would love to help you. You can find us online at https://www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Even better yet, let us help you with your next mortgage. Dan Moralez Regional VP - Mortgage ...
HBR 180 - Why So Much Documentation?
February 20, 2022 13:00 - 11 minutes - 10.3 MBYou ever wonder why there is so much documentation required for a home loan? This week I talk about why there is more documentation required than you may think. If you are in the market to finance a home, my team and I would love to help you. You can find us online at https://www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Even better yet, let us help you with your next mortgage. Dan Moralez...
HBR 179 - Would An Adjustable Rate Benefit You?
February 13, 2022 13:00 - 9 minutes - 8.3 MBThis week we are talking about the recent run up in interest rates and why an adjustable rate mortgage may be worth giving some consideration to. If you are in the market to finance a home, my team and I would love to help you. You can find us online at https://www.danmoralez.com or at 616-931-4629. If you enjoy the podcast and it has helped you, please take a moment to rate and review the podcast. Even better yet, let us help you with your next mortgage. Dan Moralez Regional V...
HBR 178 - Self-Employed & Appraisal Updates
February 06, 2022 13:00 - 11 minutes - 10.9 MBFinally some good news for self-employed clients and an important update on the appraisal process for conventional mortgages. Most self-employed borrowers will find the documentation requirements for a mortgage just got easier as Fannie Mae and Freddie Mac have eliminated the need for an interim P&L statement for most clients. In addition, they will also start to allow desktop appraisals for eligible transaction. It remains to be seen if that is a good thing or not. I talk about tha...
HBR 177 - You Can't Believe Everything
January 30, 2022 14:33 - 7 minutes - 8.69 MBThere is a ton of information on the internet and social media when it comes to real estate and mortgages. Many of these "experts" are providing advice that is wrong. This week I share ideas on how to screen some of these "experts". If you want expert guidance provided by someone who has been lending since 1991 with hundreds of reviews, please reach out to my team and I. We would love to help you. Dan Moralez NMLS #709729 616-931-4629 https://www.danmoralez.com Equal Housing L...
HBR 176 - Second Home & Condo Financing Updates
January 23, 2022 13:00 - 11 minutes - 11.7 MBThis week I share some important updates on big changes in regards to financing second homes and condominiums. If you are in the market for one of these types of properties, these changes will impact you. Need expert help and guidance on financing a second home or condo? My team and I would love to help you. You can reach us at 616-931-4629 or online at https://www.danmoralez.com. Daniel J Moralez Regional VP - Mortgage Loan Officer NMLS #709729 All loans subject to credit...
HBR 175 - How Higher Rates Impact Homebuyers
January 16, 2022 13:21 - 4 minutes - 4.64 MBThis week I talk about the impact of higher mortgage rates on homebuyers. Most buyers think they qualify for a specific dollar amount when you qualify for a specific monthly payment. The amount of house that payment will buy is impacted by mortgage rates. If you are in the market to buy a home, our team would love to help you. We lend nationwide and have a number of unique options available to us exclusively. If you would like to learn more. Please reach out to us at 616-931-4629 or ...
HBR 174 - New Home - New Year
December 20, 2021 11:30 - 4 minutes - 5.4 MBThis week I talk about the things you should be doing now if you are planning on buying a new home in the new year. Would be home buyers often wait too long to get the pre-approval process started and neglect to understand all that goes into a valid pre-approval. If you are in the market to buy a new home, let my team and I help you through this process. You can reach us at 616-931-4629 or at https://www.danmoralez.com. Dan Moralez NMLS #709729 Equal Housing Lender - All loans subj...
HBR 173 - Year End Warning for Self Employed
December 13, 2021 11:30 - 2 minutes - 3.15 MBThis week I remind clients who are self-employed about things they can do before the end of the year that can hurt their ability to get a mortgage. Don't do something that can hurt you! Reach out to us after you listen to this weeks episode. If you are in the market for a home loan, 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 Equal Housing Lender - All loans subject to credit approval.
HBR 172 - Why Higher Loan Limits Matter
December 06, 2021 11:30 - 4 minutes - 6.21 MBThis week I talk about why higher loan limits matter to those who need a mortgage. These higher loan limits benefit consumers by providing affordable mortgage terms with reasonable qualifying guidelines. If you are in the market for a home loan, my team and I would love to help you. You can reach us online at https://www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Equal Housing Lender - All loans subject to credit approval.
HBR 171 - How Much Do You Need to Buy a Home?
November 29, 2021 11:30 - 6 minutes - 8.39 MBHow much do you need to buy a home? Often times clients are familiar with the down payment requirements. However, many are not as familiar with other cost that they should plan for. This week we talk about what would be homebuyers should expect. If you are in preparing to buy a home, my team and I would love to help you. You can find us online at www.danmoralez.com or call us at 616-931-4629. Dan Moralez NMLS #709729 VP-Mortgage Loan Officer Northpointe Bank Equal Housing Len...
HBR 170 - How Much Do You Qualify For?
November 22, 2021 11:30 - 8 minutes - 11.6 MBThis week I talk about how we determine how much of a home you may be able to qualify for. There are more factors that go into determining your eligibility. I cover some of those details so you can have a better understanding of what options you may have. If you are would like to explore what options you may have, please reach out to my team and I. We would love to help you. You can find us online at www.danmoralez.com or you can call us at 616-931-4629. Dan Moralez NMLS #709729 VP-...
HBR 169 - Collections & Credit Utilization
November 15, 2021 11:30 - 7 minutes - 9.83 MBThis week I talk about collection accounts and credit utilization. These two areas have a significant impact on your credit score. Paying attention to these items can help to optimize your credit score. That increases your odds of loan approval and will help you get better loan terms. In the market to buy a home? Let my team and I help you finance it. We lend nationwide and can provide you with the expert guidance you deserve. You can find us online at www.danmoralez.com or call us at 61...
HBR 168 - Credit Scores - Tips & Tricks
November 08, 2021 11:30 - 7 minutes - 10.1 MBThis week I talk about credit scores and differences in scoring models from different sources. I also give some quick tips on how to maximize your credit score. You can opt-out of pre-screened credit offers by using this link www.optoutprescreen.com. In the market for a home loan? My team and I would love to help you. You can find us online at www.danmoralez.com or feel free to call us at 616-931-4629. Dan Moralez NMLS #709729 VP-Mortgage Loan Officer Northpointe Bank Equa...
HBR 167 - Should You Buy a Home Now?
November 01, 2021 10:30 - 10 minutes - 14.2 MBWe are back at it! Finally some new episodes and this week we jump right into it. Many clients wonder if now is the best time to buy a property or if they should wait. I cover a number of reasons why I think now is still a great time to buy a home and why I don't believe we are on the verge of a housing bubble. If you are in the market for a home, we can help you nationwide. Feel free to reach out to my team at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 VP...
HBR 166 - The 4 C’s of Credit - Collateral (What is Your Home Worth)
July 27, 2020 10:30 - 13 minutes - 30.7 MBWhat 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 inte...
HBR 165 - The 4 C’s of Credit - Capacity (How Much Debt Can You Handle)
July 20, 2020 10:30 - 11 minutes - 25.2 MBWhat 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 amo...
HBR 164 - The 4 C’s of Credit - Why Your Credit Matters
July 13, 2020 10:30 - 8 minutes - 18.6 MBWhat 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...
HBR 163 - The 4 C’s of Credit - Cash is King
July 06, 2020 10:30 - 6 minutes - 13.8 MBWhat 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 k...
HBR 162 - Mortgage Credit Certificates
June 28, 2020 12:55 - 7 minutes - 17 MBThis 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 Hous...
HBR 160 - Mortgage Shopping
June 19, 2020 11:00 - 11 minutes - 26.6 MBSorry, 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,...
HBR 161 - Where Is The Market Going?
June 13, 2020 11:00 - 5 minutes - 13.7 MBI 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 Presiden...
HBR 159 - State Specific Programs
June 05, 2020 11:30 - 5 minutes - 11.5 MBThis 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...
HBR 158 - Start Sooner & Update Your Pre-approval
May 30, 2020 15:26 - 10 minutes - 23.7 MBAs 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 ...
HBR 157 - What Are Cash Reserves & Why You Need Them
May 08, 2020 11:00 - 4 minutes - 10.2 MBThis 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 Regiona...
HBR 156 - Why You Need to Pay Your Rent
May 01, 2020 11:00 - 5 minutes - 11.7 MBThis 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...
HBR 155 - Update Your Pre-approval!
April 25, 2020 21:26 - 6 minutes - 14.1 MBWith 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 Lend...
HBR 154 - Don’t Pay Stupid Tax
March 02, 2020 11:27 - 10 minutes - 23.3 MBThis 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 Subjec...
HBR 153 - How Much Home Can You Afford?
February 09, 2020 14:33 - 8 minutes - 18.8 MBWhen 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 th...
HBR 152 - The Blind Leading The Blind
January 25, 2020 11:30 - 11 minutes - 26.5 MBThis 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 Nort...
HBR 151 - The Web of Lies (Lead Generators)
January 16, 2020 11:30 - 12 minutes - 29.6 MBSo 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 highest bidder. In this weeks episode I talk about how these websites often times sugar coat the details to get you to input your data. You are their product, their source of revenue. I help you to understand...
HBR 150 - Considerations When Hiring a Realtor
January 09, 2020 11:30 - 15 minutes - 36.3 MBThis 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, we would love to help you finance the home of your dreams. You can reach my team and I at 616-931-4629 or via our website at www.danmoralez.com. Dan Moralez NMLS #709729 Regional VP Mortgage Loan Office...
HBR 149 - Year End Thoughts for Self Employed Clients
December 21, 2019 13:00 - 6 minutes - 14 MBThe 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.danmo...
HBR 148 - Financing My First Home For a Client
December 13, 2019 11:30 - 9 minutes - 21.8 MBThis 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 the market for a mortgage, my team and I would love to help you. You can reach us at 616-931-4629 or via our website at www.danmoralez.com. Dan Moralez Regional Vice President Mortgage Loan Officer NMLS #709729 Northpointe ...
HBR 147 - The Cost of a Bad Decision
December 07, 2019 21:00 - 10 minutes - 23.8 MBThis 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 that answer a number of questions we have received from listeners. If you are in the market for a home loan, I would love to help you. You can reach my team and I at 616-931-4629 or online at www.danm...
HBR 146 - Talking Credit Repair
November 24, 2019 17:18 - 27 minutes - 62.1 MBThis week I talk about credit repair with Sam Parker from My Credit Guy. Sam has helped a lot of people fix their credit to become a homeowner. If you are in the market for a home loan, my team and I would love to help you. You can reach us at www.danmoralez.com or at 616-931-4629. Dan Moralez Regional Vice President Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval
HBR 145 - Home Loans and Your Credit
November 13, 2019 12:07 - 9 minutes - 21.3 MBThis week I continue my series on the mortgage process and how your credit can impact it. You don’t want to miss next weeks episode. Sam Parker from my credit guy joins us for a deeper discussion on credit with some great insights. In the market for a home loan? We would love to help you. You can reach us at 616-931-4629 or online at www.danmoralez.com. Dan Moralez NMLS #709729 Regional VP - Mortgage Loan Officer Northpointe Bank is an equal housing lender All loans subject to...
HBR 144 - Understanding the Impact of Collection Accounts
October 23, 2019 10:30 - 6 minutes - 15.7 MBIn this weeks episode, I talk about the impact of collection accounts on your credit. Ideally you want to avoid collection accounts, but in the case you do have a collection account. What should you do? If you are in the market for a mortgage, my team and I would love to help you. You can reach us online at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez NMLS #709729 Regional VP - Mortgage Loan Officer Northpointe Bank is an Equal Housing Lender All Loans Subject...
HBR 143 - Understanding The Impact of Credit Utilizaton
October 12, 2019 11:00 - 16 minutes - 37.4 MBIn this weeks episode I talk about the impact of credit card utilization on your mortgage credit score. I talk about why you want to keep the balance of your credit cards to less than 25% of your overall credit limit. In the market to buy a home? Need a mortgage or have questions about qualifying? If so, we would love to help you. You can reach me online at www.danmoralez.com. You can call me at 616-931-4629. Dan Moralez NMLS #709729 VP - Mortgage Loan Officer Northpointe Ban...
HBR 142 - Rebecca Perkins - Realtor Guest
October 03, 2019 10:00 - 34 minutes - 78.4 MBThis week Rebecca and I talk about how she got into Real Estate and overall market conditions in the Greater West Michigan market. Rebecca is a seasoned Realtor in the Greater West Michigan and has worked with a number of clients we have had the opportunity to serve. If you are in the market to buy and or sell a home in West Michigan, Rebecca is a great resource for you and we would be happy to get you connected with her. If you are a client looking to buy a home in any part of the US...
HBR 141 - What Happens When The Fed Cut’s Rates?
September 27, 2019 12:42 - 6 minutes - 14 MBIn this weeks episode, I talk about what happens when the Fed cut’s rates and why that doesn’t normally translate into a discount in mortgage rates. Mortgage rates and terms can vary depending on a clients credit worthiness, down payment, property type and a number of factors (including market conditions). To get a rate quote specific to you, reach out to my team and I. We would love to have the opportunity to help you. You can reach us at www.danmoralez.com or at 616-931-4629. Da...
HBR 140 - Self Employed and Need a Mortgage?
September 17, 2019 10:30 - 8 minutes - 19.5 MBIf you are self employed and need a mortgage take a listen to this weeks podcast. In this weeks episode I explain the general guidelines for those who are self employed and need a mortgage. Even if you don’t think you meet the guidelines to qualify for a mortgage, I encourage you to connect with me to explore potential options and alternatives. Sometimes it may be easier than that you think and we have been able to get some loans approved that did not meet the standard guidelines. Yo...