Home Buyer Radio

HBR 088 - Rates and Closing Cost

August 31, 2018 07:30 - 4 minutes - 11.3 MB

I seem to spend a lot of time talking about rates and closing cost. This week I talk about how the devil is in the details and you need to pay attention to those details. You can skip all the hassle and just call me for your mortgage to make things easier. If you enjoy this podcast, please make sure to give us a 5 star review on iTunes and share it with others. If you are in the market for a home purchase, my team and I would love to help you. You can reach me at 616-931-4629 or on...

HBR 087 - Buyer's Agency

August 23, 2018 16:21 - 4 minutes - 10.9 MB

So you have a Buyer's Agent representing you for your home purchase. I personally think that is a good idea. However, if you have one, you should be using them exclusively for your home search. In this weeks episode, I talk about how you can run into problems if you don't. If you enjoy this podcast, please make sure to give us a 5 star review on iTunes and share it with others. If you are in the market for a home purchase, my team and I would love to help you. You can reach me at 616...

HBR 086 - VA Home Loan Specialist Brad Stinson Interview

August 02, 2018 05:00 - 11 minutes - 27.1 MB

This week I sit down with my friend Brad Stinson who is a fellow Mortgage Loan Officer and VA Home Loan Expert. We talk about some common misconceptions about VA Home loans and a podcast Brad will be launching soon to help more Veteran's understand the benefits available to them. Dan Moralez NMLS #709729 VP - Northpointe Bank 616-931-4629 www.danmoralez.com Brad Stinson NMLS #1610351 Loan Officer - Caliber Home Loans 616-916-9295 www.teambradstinson.com Equal Housing Lender A...

HBR 085 - Rate and Closing Cost Go Hand in Hand

July 26, 2018 05:00 - 3 minutes - 7.35 MB

In this weeks episode, I talk about how rate and closing cost go hand in hand. Higher rate = lower cost, lower rate = higher cost. What makes for the best option for you? It all depends on a number of factors. In this weeks podcast, I discuss some of those items for you. If you want an experienced team of mortgage professionals to help you, contact me. You can reach me at 616-931-4629 or online at www.danmoralez.com. We lend in all 50 states. However, not all products are available in...

HBR 084 - Understanding Your Mortgage Options

July 19, 2018 05:00 - 7 minutes - 17.7 MB

In this weeks episode, I talk about understanding your mortgage options. Mortgage options can vary from lender to lender and it makes the most sense to explore all your options to make sure you have the program that is best for you. If you want an experienced team of mortgage professionals to help you, contact me. You can reach me at 616-931-4629 or online at www.danmoralez.com. We lend in all 50 states. However, not all products are available in all states. Reach out to learn more abo...

HBR 083 - Is Your Loan Officer Good?

July 12, 2018 05:00 - 8 minutes - 20.2 MB

How do you know if your loan officer is any good? Do they have the expertise and knowledge they claim to have? In this weeks episode I give you some pointers on how to determine if your Loan Officer is good. You can check a Loan Officer NMLS# and work history by clicking here. You can save yourself all of the hassle by working with my team and I. We have the experience and knowledge to properly guide you through the home loan process. If you want an experienced team of mortgage p...

HBR 082 - How Good is Your Pre-approval?

July 05, 2018 12:00 - 6 minutes - 15.6 MB

So you are pre-approved for a mortgage and are house hunting. But do you know if the pre-approval you have is truly good? In this weeks episode, I talk about the rash of recent clients I have dealt with that thought they were pre-approved only to find out they were not. If you want an experienced mortgage expert on your side, please contact me. I can be reached at 616-931-4629 or via the web at http://www.danmoralez.com. Daniel J. Moralez VP - Mortgage Loan Officer NMLS #709729 Nort...

HBR 081 - What does a Loan Officer do?

June 29, 2018 09:00 - 6 minutes - 15.1 MB

Have you ever really wondered what a Loan Officer really does as part of the home loan process? In this weeks episode, I talk about what I do as your Loan Officer and how I work with my team to make your home loan process as smooth as possible. If you are in the market for a home loan, we would love to help you. You can learn more about my team and I by visiting our website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer Northpointe Bank NMLS #709729 616.931.4629 ...

HBR 080 - What is a Mortgage Processor?

June 22, 2018 12:36 - 7 minutes - 17.5 MB

In this weeks episode, I talk about what a Mortgage Processor and Loan Officer Assistant do and how they are an important part of the home loan process. If you are in the market for a mortgage, we would love to help you explore the options available to you. To learn more about my team and services, please visit my website at www.danmoralez.com. Dan Moralez NMLS #709729 Regional Vice President Mortgage Loan Officer Northpointe Bank Equal Housing Lender

HBR 079 - What Is a Mortgage Underwriter?

June 14, 2018 21:54 - 7 minutes - 17.7 MB

What is a Mortgage Underwriter and what do they do? In this weeks episode, I explain what a Mortgage Underwriter is and exactly what they do and how it impacts you. If you are in the market for a home loan, we would love to help. You can reach us at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Mortgage Loan Officer Northpointe Bank Equal Housing Lender

HBR 078 - Understanding Adjustable Rate Mortgages (Part 3)

June 06, 2018 07:00 - 11 minutes - 26.8 MB

This week I finish up my recent series on adjustable rate mortgages. While these mortgages may not be right for all clients, some clients may benefit from an adjustable rate mortgage. This week we go a little deeper into how they work and how it may or may not benefit you. Want to know more about adjustable rates and/or other mortgage programs, we would love to help you. You can reach us via our website at www.danmoralez.com. Dan Moralez Mortgage Loan Officer NMLS #709729 No...

HBR 077 - Understanding Adjustable Rate Mortgages (Part 2)

June 01, 2018 16:35 - 7 minutes - 16.9 MB

This week we talk more about adjustable rate mortgages. How to understand the pluses and minuses of these types of mortgages. While they are not for everyone, they do serve a place and could help some clients benefit. If you would like to explore these options or learn more, you can contact me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez Regional Vice President NMLS #709729 616-931-4629

HBR 076 - Understanding Adjustable Rate Mortgages

May 21, 2018 14:49 - 6 minutes - 14.4 MB

Is an adjustable rate mortgage right for you? It may be depending on your long term financial goals. In many cases, an adjustable rate mortgage could be a solid option that could save you money without taking an inappropriate risk. This week we start to talk about how an adjustable rate mortgage (ARM) works. You may be surprised that it could be a solid option for you. Want to learn more, hit my website at www.danmoralez.com. Dan Moralez VP Mortgage Loan Officer NMLS #709729 ...

HBR 075 - Exclusive $0 Down Payment Home Loan

May 07, 2018 10:00 - 9 minutes - 22.5 MB

This week I talk about a special home loan program that allows for a $0 down payment. This program allows you to pay your loan off in 20 years vs. the traditional 30 year term. There are no income restrictions, you do not have to be a first time home buyer and there are no special areas that limit the location of the property. Want to know more about this program? Visit my website or contact us for more information. You can find me online at www.danmoralez.com and can reach me at 61...

HBR 074 - It's All About The Monthly Payment

April 30, 2018 10:00 - 7 minutes - 18.1 MB

When it comes to the amount of home you qualify for, remember it is all about the monthly payment. In this weeks episode I talk about how your monthly payment determines how much you qualify for and how the same payment can buy a different amount depending on a number of factors. If your in the market for a mortgage, we would love to work with you. You can find me online at www.danmoralez.com. Dan Moralez NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender. All...

HBR 073 - Who Pre-approved You Matters

April 23, 2018 12:00 - 3 minutes - 8.71 MB

In this week I talk a little more about why it matters who pre-approved you and I am not just talking about what company. Did you know that your loan officers reputation could hurt you as well? We will be talking about this for the next couple of weeks and invite your questions. If you have a question you would like to ask us, feel free to email me at [email protected]. Thanks for listening :) Dan Moralez Regional VP - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931...

HBR 072 - Get Pre-approved!

April 16, 2018 15:39 - 3 minutes - 8.39 MB

This week I talk about why getting pre-approved should be the first step in your home buying process. Going house shopping without a pre-approval could be a waste of your time. In the next several weeks we will talk about this and why it matters. If you would like to get pre-approved, we would love to help you. You can learn more by visiting our website at http://www.danmoralez.com. Dan Moralez Regional Vice President NMLS #709729 616-931-4629

HBR 071 - Own Your Circumstances

April 02, 2018 09:00 - 7 minutes - 16.4 MB

It is not uncommon for clients to have had a financial set back at some point in time. While some circumstances are truly unavoidable, others were avoidable and were the result of our own personal decisions. Those decisions, may have a lasting impact and require some additional work to get around in the home buying process. In this weeks episode, I talk about owning your circumstances. If you have a question or concern you would like me to address on the podcast or in regards to your spec...

HBR 070 - Construction Loan Payments

March 26, 2018 09:00 - 6 minutes - 13.9 MB

What are your payments during your construction loan? How are they figured and what should you expect. We talk about all of that in more detail in this weeks episode. If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer 616-931-4629 NMLS #709729 Northpointe Bank is an Equal Housing Lender. ...

HBR 069 - Construction Loan Types

March 19, 2018 09:00 - 6 minutes - 15 MB

This week we talk about the different types of construction loans. What is a construction permanent loan vs. a construction only loan. We will explain it all in this weeks episode. If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer 616-931-4629 NMLS #709729 Northpointe Bank is an Equal Ho...

HBR 068 - Construction Loan Down Payments

March 12, 2018 09:00 - 4 minutes - 10 MB

This week, I talk about down payments on construction loans. How they differ from lender to lender and even from product to product. Are you looking to build? We would love to help you learn more about it. Visit my website for more details on how we may be able to help you. If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com. Dan Moral...

HBR 067 - Construction Loans

March 05, 2018 10:00 - 2 minutes - 6.49 MB

This week we start a new mini series on Construction Loans. More and more clients are having difficulty finding a home to buy, so they are looking at building a home vs. buying an existing home. If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer 616-931-4629 NMLS #709729 Northpointe Bank ...

HBR 066 - PMI Getting Tighter?

February 26, 2018 10:00 - 3 minutes - 8.18 MB

In this weeks episode I talk about recent changes from PMI companies and how they will impact clients who have smaller down payment, higher debt ratios and lower credit scores. If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer 616-931-4629 NMLS #709729 Northpointe Bank is an Equal Housin...

HBR 065 - Checking Your Credit

February 19, 2018 10:00 - 5 minutes - 13.1 MB

In this weeks episode I talk about how even the smallest blemish on your credit report can cost you thousands on your mortgage. I tell you what you should be doing to make sure you don't fall prey to this. If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer 616-931-4629 NMLS #709729 Northpo...

HBR 064 - Interest Rates On The Rise!

February 12, 2018 10:00 - 8 minutes - 18.8 MB

Mortgage rates have been on a steady rise since early December 2017. In this weeks episode I give a quick and simple explanation as to why that is happening and the impact on home buyers. If you have a question or concern you would like me to address on the podcast or in regards to your specific situation, reach out me. I can be reached at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer 616-931-4629 NMLS #709729 Northpointe Bank is an ...

HBR 063 - Veteran's Don't Overlook Your VA Home Loan Benefit!

February 05, 2018 10:00 - 3 minutes - 7.35 MB

We love our Veteran's at Home Buyer Radio! Too often Veteran's are discouraged from using their VA Home Loan benefit and it cost them money. In this weeks episode we talk about why VA loans are not that difficult to get closed. Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Northpointe Bank N...

HBR 062 - Buying a Home for a Family Member

January 29, 2018 10:00 - 3 minutes - 7.84 MB

This week we talk about a special option that allows you to buy a home for an elderly parent or disabled child at owner occupied rates and terms. This is even if they are not going to be on the loan. This could save you thousands of dollars! Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Nor...

HBR 061 - Special Options for Low-Moderate Income Borrowers

January 22, 2018 10:00 - 4 minutes - 9.28 MB

This week we talk about special programs for clients who are considered to have low-moderate income. Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 www.danmoralez.com

HBR 060 - Before You Make That Big Move

January 15, 2018 10:00 - 2 minutes - 5.67 MB

Before you make a big move in life, make sure you talk to us to find out how it can impact your ability to get a mortgage. Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 www.danmoralez.com

HBR 059 - Positioning for Mortgage Approval

January 08, 2018 17:00 - 2 minutes - 5.98 MB

This week I talk about the importance of getting pre-qualified or pre-approved for a mortgage. Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 www.danmoralez.com

HBR 058 - Positioning Yourself for Home Ownership

January 01, 2018 10:00 - 3 minutes - 8.83 MB

Happy New Year! In this weeks podcast I talk about positioning yourself for home ownership in this coming year. Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 www.danmoralez.com

HBR 057 - Merry Christmas!

December 25, 2017 10:00 - 3 minutes - 7.24 MB

Merry Christmas from all of us at Home Buyer Radio! I hope you enjoy the holidays with your friends and family. We are grateful for you spending part of your holiday with us and look forward to helping you achieve your dreams of home ownership. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 www.danmoralez.com

HBR 056 - Disabled Veteran's Property Tax Credit

December 18, 2017 10:00 - 2 minutes - 5.18 MB

I would like to thank all of our Veteran's for their service to our county. In this weeks episode I talk about how Disabled Veteran's may be eligible for property tax relief when they own a home. Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629...

HBR 055 - New Higher Loan Limits for 2018!

December 11, 2017 10:00 - 2 minutes - 5.98 MB

Great News! Just in time for Christmas we have new higher loan limits for 2018. Clients looking to purchase more expensive properties now have more options to borrow at more favorable loan terms. Listen in for the details and let me know if you have questions or concerns we can help with. Remember, we lend in most of the 50 states and would love to help you with your next mortgage. Dan Moralez Vice President - Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 ...

HBR 054 - Year End Thoughts for Self Employed Clients

December 04, 2017 10:00 - 3 minutes - 1.77 MB

As you get ready to end this year, if you are self employed and want to buy a home, now is a great time to think about last minute steps you can take to help your dreams of homeownership. I have worked with hundreds of self-employed clients since 1991 and have been able to help many who were turned down by other lenders. If you are self employed and hoping to buy a home, make sure you connect with us to discuss your options. Dan Moralez Mortgage Loan Officer Vice President Northpoin...

HBR 053 - Don’t Let The Holiday’s Hurt You

November 27, 2017 10:00 - 2 minutes - 1.23 MB

Don’t let the holiday’s sidetrack your dreams of homeownership! In this weeks episode I talk about a couple of pitfalls you can avoid this holiday season. Opening a store credit card or excessive spending are two areas where I see clients hurt themselves and their dreams of owning a new home. I talk about both this week and why you should be careful this time of year. As always, if you have questions or concerns about buying a home, my team and I would love to help you. Dan Morale...

HBR 052 - 1st Year Anniversary - THANK YOU!

November 20, 2017 10:00 - 2 minutes - 6.61 MB

Thank you for making the first year of the podcast a huge success! We have some great things in store for this coming year. Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

HBR 051 - Renovation Loans

November 13, 2017 10:00 - 4 minutes - 9.73 MB

Can I get a mortgage to add on to my house? This week I talk about what options may look like for you. Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

HBR 050 - Buying A Multi Unit Property (2-4 Units)

November 06, 2017 10:00 - 5 minutes - 11.6 MB

Are you thinking of buying a 2-4 unit property and are you wondering how that impacts your ability to get a mortgage? This week I explain potential options you may have. Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

HBR 049 - Buying Rental Properties

October 30, 2017 09:00 - 5 minutes - 13 MB

Have you thought about purchasing rental properties? In this weeks episode I talk about options you may have when it comes to buying rental properties. Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

HBR 048 - Second Homes and Rental Income

October 23, 2017 09:00 - 3 minutes - 8.53 MB

Can I use rental income to help qualify for a mortgage on a second home? This week I give you the answer. Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

HBR 047 - Buying A Second Home

October 16, 2017 09:00 - 3 minutes - 7.49 MB

What options do you have to buy a second home? This week I highlight the options you may have. Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

HBR 046 - Quick Ways To Raise Your Credit Score

October 09, 2017 09:00 - 7 minutes - 17.4 MB

How do I raise my credit score quickly? This week I share some ideas on how to do that. If you want to opt out of pre-screened offers you can do that by using this link https://www.optoutprescreen.com Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

HBR 045 - Do You Need A Home Inspection?

October 02, 2017 09:00 - 5 minutes - 12.2 MB

So you are buying a house and you wonder whether or not you really need a home inspection. This week I talk about why I think it is a good idea to get one. Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

HBR 044 - When Your Spouse Has Bad Credit

September 25, 2017 09:00 - 4 minutes - 10.3 MB

Can I get a mortgage if my spouse has bad credit? This week I talk about options you may have when it comes to getting a mortgage. Dan Moralez Vice President - Mortgage Loan Officer NMLS #709729 616-931-4629 www.danmoralez.com Equal Housing Lender - All Loans Subject to Credit Approval

Episodes