HBR 001 - Welcome To The Podcast!

In 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 616-931-4629.

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

All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved 

This 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

All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved 

This 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

This 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, let us help you with your home loan.  

Daniel J. Moralez
Regional Vice President
Mortgage Loan Officer
The Dart Bank
NMLS #709729

All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved 

This 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

This 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 help you with your home loan.  

Daniel J. Moralez
Regional Vice President
Mortgage Loan Officer
The Dart Bank
NMLS #709729

All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved 

This 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 Officer
The Dart Bank
NMLS #709729

All loans are subject to credit approval. The Dart Bank is an Equal Housing Lender. All Rights Reserved 

This 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 Loan Officer
NMLS #709729

All loans are subject to credit approval. Northpointe Bank is an Equal Housing Lender. All Rights Reserved 

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 Loan Officer
NMLS #709729

All loans are subject to credit approval. Northpointe Bank is an Equal Housing Lender. All Rights Reserved