Najlepsze podcasty z kategorii: Daniel J Moralez (2024)

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HBR 189 - What Is A Debt-to-Income Ratio? 6:55

1+ y ago6:55

6:55

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 …

1
HBR 188 - Higher Rates Ahead? 4:33

1+ y ago4:33

4:33

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,…

1
HBR 187 - Benefits of Seller Paid Closing Cost 14:30

1+ y ago14:30

14:30

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…

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HBR 186 - Heather's Thoughts on The Lakeshore Housing Market 12:22

2y ago12:22

12:22

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.danmorale…

1
HBR 185 - Big Changes To Mortgage Rates 5:34

2y ago5:34

5:34

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 Regi…

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HBR 184 - Why You Need a Real Estate Expert 15:34

2y ago15:34

15:34

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…

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HBR 183 - Real Estate Is All About The People! 9:01

2y ago9:01

9:01

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…

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HBR 182 - Current Market Conditions in West Michigan with Rachel Gallegos from EXP Realty 13:55

2y ago13:55

13:55

This 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…

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HBR 181 - What Is Going On With Mortgage Rates? 11:26

2+ y ago11:26

11:26

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 …

1
HBR 180 - Why So Much Documentation? 11:14

2+ y ago11:14

11:14

You 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 ha…

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HBR 179 - Would An Adjustable Rate Benefit You? 9:04

2+ y ago9:04

9:04

This 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, p…

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HBR 178 - Self-Employed & Appraisal Updates 11:41

2+ y ago11:41

11:41

Finally 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 wil…

1
HBR 177 - You Can't Believe Everything 7:29

3y ago7:29

7:29

There 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 reac…

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HBR 176 - Second Home & Condo Financing Updates 11:41

3y ago11:41

11:41

This 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 onli…

1
HBR 175 - How Higher Rates Impact Homebuyers 4:21

3y ago4:21

4:21

This 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 an…

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HBR 174 - New Home - New Year 4:02

3y ago4:02

4:02

This 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 pr…

1
HBR 173 - Year End Warning for Self Employed 2:22

3y ago2:22

2:22

This 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-…

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HBR 172 - Why Higher Loan Limits Matter 4:38

3y ago4:38

4:38

This 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 616-93…

1
HBR 171 - How Much Do You Need to Buy a Home? 6:16

3y ago6:16

6:16

How 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 w…

1
HBR 170 - How Much Do You Qualify For? 8:40

3y ago8:40

8:40

This 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.…

1
HBR 169 - Collections & Credit Utilization 7:20

3y ago7:20

7:20

This 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 …

1
HBR 168 - Credit Scores - Tips & Tricks 7:32

3y ago7:32

7:32

This 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.…

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HBR 167 - Should You Buy a Home Now? 10:35

3y ago10:35

10:35

We 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, …

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HBR 166 - The 4 C’s of Credit - Collateral (What is Your Home Worth) 13:26

4+ y ago13:26

13:26

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 a…

1
HBR 165 - The 4 C’s of Credit - Capacity (How Much Debt Can You Handle) 11:02

4+ y ago11:02

11:02

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 a…

1
HBR 164 - The 4 C’s of Credit - Why Your Credit Matters 8:09

4+ y ago8:09

8:09

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 a…

1
HBR 163 - The 4 C’s of Credit - Cash is King 6:02

4+ y ago6:02

6:02

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 a…

1
HBR 162 - Mortgage Credit Certificates 7:25

4+ y ago7:25

7:25

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…

1
HBR 160 - Mortgage Shopping 11:38

4+ y ago11:38

11:38

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 Re…

1
HBR 161 - Where Is The Market Going? 5:59

4+ y ago5:59

5:59

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…

1
HBR 159 - State Specific Programs 5:01

4+ y ago5:01

5:01

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. I…

1
HBR 158 - Start Sooner & Update Your Pre-approval 10:22

4+ y ago10:22

10:22

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 imp…

1
HBR 157 - What Are Cash Reserves & Why You Need Them 4:27

4+ y ago4:27

4:27

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 …

1
HBR 156 - Why You Need to Pay Your Rent 5:07

4+ y ago5:07

5:07

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 …

1
HBR 155 - Update Your Pre-approval! 6:10

4+ y ago6:10

6:10

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 o…

1
HBR 154 - Don’t Pay Stupid Tax 10:12

4+ y ago10:12

10:12

1
HBR 153 - How Much Home Can You Afford? 8:15

4+ y ago8:15

8:15

1
HBR 152 - The Blind Leading The Blind 11:36

5y ago11:36

11:36

1
HBR 151 - The Web of Lies (Lead Generators) 12:57

5y ago12:57

12:57

1
HBR 150 - Considerations When Hiring a Realtor 15:53

5y ago15:53

15:53

5y ago8:32

8:32

If 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. Som…

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