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Videos uploaded by user “Dan Moralez”
Understanding The Construction Loan Draw Process
 
07:17
In this video I talk about the steps we go through when the builder request a draw on a construction loan. You can learn more on my website http://danmoralez.com/index.php/build/.
Views: 1974 Dan Moralez
Construction Loan Payments
 
07:03
How do the monthly payments work on a construction loan? Watch this video and visit my website for more information. http://danmoralez.com/index.php/build/
Views: 1139 Dan Moralez
Michigan Construction Loans With Low Down Payments | Dan Moralez | 616-931-4629
 
03:33
For more information visit my website at http://danmoralez.com/index.php/build/ In this video I share some of the highlights of our construction loan programs. If you would like to know more about construction loans with a smaller down payment please feel free to contact me via my website at http://www.danmoralez.com or at 616-931-4629.
Views: 313 Dan Moralez
The Importance of Understanding Your Taxable Value - Michigan Property Taxes
 
02:52
In this video, I will talk about the Notice of Change in Assessed Value and how a change in your taxable assessed value can impact your Michigan Property Taxes. You can learn more by visiting the blog on my website at http://www.danmoralez.com. Thanks for watching and make sure to subscribe!
Views: 177 Dan Moralez
Why You Should Opt Out Of Pre-screened Credit Offers?
 
02:01
In this video, I talk about the benefits of opting out of pre-screened offers of credit. Did you know that the credit bureau will sell your information to potential creditors? Did you know that you can stop them from doing that? You can learn more about this on my website at http://www.danmoralez.com. Link to opt-out website: https://www.optoutprescreen.com.
Views: 124 Dan Moralez
Financing Home Improvements with a Renovation Loan
 
02:15
Whether you are buying a new home or already own a home and want to finance renovations and improvements, you may want to consider a renovation mortgage. Renovation home loans give you the opportunity to include renovations and improvements as part of your mortgage. 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 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval
Views: 87 Dan Moralez
Financing Condominiums (Non-warrantable condos)
 
06:57
If you are having trouble financing your new condo purchase watch this video. I talk about how to finance non-warrantable condo's and more. You can learn more on my website at http://www.danmoralez.com.
Views: 140 Dan Moralez
Conventional 3% Down Mortgages | Grand Rapids, MI | Holland, MI
 
03:41
http://www.danmoralez.com With the recent announcement from Fannie Mae and Freddie Mac, there are a lot of questions about the details on the new 3% down home loan programs. You can find the most recent information by visiting my website at http://www.danmoralez.com. You can look up area median incomes by visiting https://www.fanniemae.com/s/components/amilookup/61d695d4-b7a7-4fe1-90c2-7dff2fd1ccd4?state=
Views: 119 Dan Moralez
Construction Loan Types
 
02:59
In this video I talk about the different types of construction loans. You can learn more on my website at http://www.danmoralez.com/index.php/build/
Views: 191 Dan Moralez
Lock vs Float
 
03:21
Should you lock in a mortgage interest rate or should you float your rate. In this video I discuss pluses and minuses to both options.
Views: 124 Dan Moralez
Qualifying For A Mortgage with Student Loans
 
02:49
Have you been turned down for a mortgage because of student loan debt? In this video I discuss how you may now be able to qualify for a mortgage due to changes in how student loans count toward mortgage qualifying. You can also learn more on my website at http://www.danmoralez.com.
Views: 51 Dan Moralez
HBR 079 - What Is a Mortgage Underwriter?
 
07:46
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
Views: 33 Dan Moralez
HBR 050 - Buying A Multi Unit Property (2-4 Units)
 
05:10
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
Views: 6 Dan Moralez
HBR 044 - When Your Spouse Has Bad Credit
 
04:34
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
Views: 20 Dan Moralez
Turned Down For a Mortgage Loan? Now What?
 
05:11
So you have been turned down for a mortgage and now wonder what do you do next? Before you start to panic, I suggest you get a second opinion as to what other options you may have. Many clients assume that just because a lender turned them down, they won't qualify anywhere else. That assumption is wrong and may cost you your dreams of home ownership. 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 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval
Views: 12 Dan Moralez
HBR 055 - New Higher Loan Limits for 2018!
 
02:40
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 www.danmoralez.com
Views: 4 Dan Moralez
HBR 031 - How to Screw Up Your Mortgage Approval - Tracking Deposits Into Your Bank Account
 
03:23
One of the areas where clients have the most frustration tends to be with documenting their funds for loan closing.  In this weeks episode I talk about things you can do to complicate the process of getting your final approval.   Dan Moralez NMLS #709729 616-931-4629 Member FDIC - Equal Housing Lender
Views: 26 Dan Moralez
How Much House Do You Qualify For?
 
08:18
Do you wonder how much of a home you would qualify to buy? Most clients think the amount of house you are able to buy is a set dollar amount based on income and debts. While that is true, it is not so much a maximum dollar amount as much as it is a maximum monthly payment that drives how much you can qualify for. In this video, I go over the details of why it is the monthly payment that matters. 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 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval
Views: 5 Dan Moralez
HBR 083 - Buyer's Agency
 
04:48
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 616-931-4629 or online at www.danmoralez.com. Daniel J Moralez VP - Mortgage Loan Officer Northpointe Bank NMLS #709729 Northpointe Bank is an Equal Housing Lender
Views: 3 Dan Moralez
Mortgage Down Payment Myths
 
01:21
In this video, I talk about common myths about mortgage down payments and why you may have been told some rules of thumb that no longer apply to mortgages. 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 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval
Views: 4 Dan Moralez
HBR 027 - Divorce & Mortgages - Paying Child Support & Alimony
 
05:07
In this weeks episode I talk about how paying child support or alimony can impact your ability to qualify for a mortgage.   Want me to review your specific situation? We offer a no-cost, no-obligation mortgage review.  You can start by visiting my website at www.danmoralez.com. Dan Moralez Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 Member FDIC - Equal Housing Lender
Views: 18 Dan Moralez
HBR 032 - How To Screw Up Your Mortgage Approval - Lying On Your Mortgage Application
 
04:03
One of the easiest ways to jeopardize your loan approval is to lie on your mortgage application.  The truth is as lenders, we must verify the majority of the information on your mortgage application.  By telling us the truth up front, we can avoid potential problems and pitfalls with the home loan process. Answering questions completely and honestly helps to insure that your loan is processed quickly and with the least amount of hassle.  If you are in the market for a mortgage please let us help you. Whether you are just starting your home search or you have an accepted offer, we have a number of great programs and options to assist you. You can reach us at http://www.danmoralez.com or at 616-931-4629. Dan Moralez Regional VP Mortgage Loan Officer NMLS #709729 616-931-4629   Northpointe Bank is an Equal Housing Lender
Views: 51 Dan Moralez
HBR 015 - Your Mortgage Team
 
06:17
This week I talk about the team of players that work to get your mortgage processed as quickly as possible. Dan Moralez Mortgage Officer Northpointe Bank 616-931-4629 dan@danmoralez.com NMLS #709729 Northpointe Bank is an equal housing lender.
Views: 18 Dan Moralez
Why Credit Karma's Credit Score is NOT your Mortgage Score
 
02:42
Many clients wonder why their mortgage credit score is different from Credit Karma or different credit score sources. In this video, I explain why a credit score from Credit Karma or various other sources is different then the score you would get for a mortgage. 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 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval
Views: 10 Dan Moralez
Disabled Veterans Property Tax Credit
 
01:16
Are you a disabled veteran or do you know a disabled veteran? In Michigan, if you are 100% disabled, you are eligible to have your property taxes waived. You can learn more on my website at http://www.danmoralez.com/va-2/
Views: 324 Dan Moralez
HBR 068 - Construction Loan Down Payments
 
04:26
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 Moralez VP - Mortgage Loan Officer 616-931-4629 NMLS #709729 Northpointe Bank is an Equal Housing Lender.  All Loan Subject to Credit Approval.
Views: 17 Dan Moralez
MI Next Home Mortgage Down Payment Assistance | Grand Rapids & Holland, Michigan
 
08:23
More information available on my website at http://www.danmoralez.com. Recently the State of Michigan announced a new down payment assistance program for non-first time homebuyers. The MI Next Down Payment Assistance program provides down payment assistance for eligible borrowers. In this video I answer common questions about who is eligible for this program and it's benefits. You can find more detailed information as well as income and sales price restrictions on my website http://www.danmoralez.com.
Views: 571 Dan Moralez
HBR 025 - Qualifying for a Mortgage with Student Loans
 
06:29
This week I talk about how it just got easier to qualify for a mortgage with student loan debt. If you have been turned down for a mortgage because of student loans, you will not want to miss this weeks episode. Ready to get started on the home buying process? Visit my website to get started on a no obligation mortgage approval.  You can find my website at www.danmoralez.com.   Dan Moralez Mortgage Loan Officer Northpointe Bank NMLS #709729   Member FDIC - Equal Housing Lender
Views: 17 Dan Moralez
Understanding Notice of Change in Assessed Value and Homestead Exemptions (Michigan)
 
04:56
In this video, I explain how the Notice of Change in Assessed Value is the key to how your Michigan Property Taxes will be calculated for the coming year. In addition, I talk about the importance of filing for Homestead if the home is your primary residence.
Views: 6 Dan Moralez
HBR 026 - Divorce & Mortgages - Qualifying Income
 
06:01
In this weeks episode I talk about what income you can use to qualify after your divorce.  This episode will be of special interest to those who are returning to the work force after the divorce or those who will be receiving child support and/or alimony/spousal support as primary sources of income.   Want to review your specific mortgage options? You can get started on a no obligation mortgage approval on my website at www.danmoralez.com. Dan Moralez Mortgage Loan Officer Northpointe Bank  616-931-4629 NMLS #709729 Member FDIC - Equal Housing Lender
Views: 7 Dan Moralez
HBR 051 - Renovation Loans
 
04:20
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
Views: 4 Dan Moralez
HBR 098 - Pitfalls of Store Credit Card Offers
 
02:53
With Black Friday upon us. I talk about why you want to stay away from store credit card offers and how they can be bad for you in the mortgage process. Thinking of buying a home? You need a solid mortgage source. My team and I are experts at the home loan process and would love to help you. You can reach me at 616-931-4629 or online at http://www.danmoralez.com. Dan Moralez Regional Vice President Mortgage Loan Officer Northpointe Bank NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender.
Views: 5 Dan Moralez
Home Affordable Refinance Program | Dan Moralez | 616-931-4629 | Grand Rapids & Holland, Michigan
 
09:28
*****SEE UPDATED VIDEO BY FOLLOWING THIS LINK***** https://www.youtube.com/watch?v=70-fKBxH0ZY In this video I give you the highlights on the governments HARP-Home Affordable Refinance Program. Get the latest on the HARP program by visiting my website at http://www.danmoralez.com/2012/05/20/president-obamas-revamped-harp-refinance-program/
Views: 1508 Dan Moralez
Construction Loan - Frequently Asked Questions (FAQ's)
 
01:08
This video was produced to be used on my website. If you would like to see the what the most frequently asked questions are you can use this link http://danmoralez.com/index.php/build/.
Views: 670 Dan Moralez
Michigan Construction Loans | Dan Moralez | 616-931-4629 | Grand Rapids & Holland, Michigan
 
07:06
NMLS #709729 - http://www.danmoralez.com. Mortgage rates, terms and conditions subject to change without notice. Not all borrowers will qualify. Equal Housing Lender In this video I explain how our construction permanent mortgage works. With this option, you close one time, have one set of closing cost and a guaranteed interest rate. In addition, you can have a low down payment construction loan with options as low as 5% down. You can find more information on our construction lending products by visiting my website at http://www.danmoralez.com or by visiting my construction lending page at http://danmoralez.com/index.php/build/. Please visit my website for a complete list of other states we are currently offering construction loans in. If you are in need of financing for the purchase of a home and and would like to finance improvements in addition to the home purchase we do also offer a renovation program. Visit my website for more details.
Views: 617 Dan Moralez
HBR 080 - What is a Mortgage Processor?
 
07:42
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
Views: 9 Dan Moralez
Dan Moralez | Refinancing Your Mortgage | Grand Rapids & Holland, Michigan | 616-931-4629
 
14:31
NMLS #709729 - http://www.danmoralez.com You can find a ton more information on mortgage options by visiting my website at http://www.danmoralez.com. In this video I discuss things you should know that will help us help you if you are thinking of refinancing. I also discuss appraisals and some changes to the Home Affordable Refinance Program that may limit some borrowers ability to refinance.
Views: 188 Dan Moralez
The Truth Will Set You Free
 
04:23
In this video I talk to my friends in the industry about the importance of being honest with clients and setting proper expectations. If you need a mortgage expert who will shoot straight, please contact me for assistance. You can reach me at http://www.danmoralez.com or at 616-931-4629. Daniel J. Moralez NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval
Views: 4 Dan Moralez
Conventional 3% Down Mortgages | Grand Rapids, MI | Holland, MI
 
02:23
See my updated video at https://www.youtube.com/watch?v=MyveOdip9uU and get more information on via my blog post at http://activerain.trulia.com/blogsview/4555659/what-you-need-to-know-about-3--down-conventional-loans. You can apply online by visiting my website at http://www.danmoralez.com.
Views: 141 Dan Moralez
Dan Moralez | Mortgage Rates | Grand Rapids & Holland, Michigan | 616-931-4629
 
03:58
http://www.danmoralez.com - NMLS #709729 Ever wonder what goes into determining a mortgage rate? In this video, I explain what factors can impact your mortgage rate and terms. If you want an interest rate quote that is specific to your individual situation you can contact me via my website at http://www.danmoralez.com. Thanks for watching!
Views: 99 Dan Moralez
Starting The Home Loan Process
 
01:30
In this video I introduce my team and help you to understand what to expect as we start the home loan process. Not a client? We would love to help you with a home loan. Visit our website for more information http://www.danmoralez.com/
Views: 162 Dan Moralez
Understanding Your Mortgage Loan Process
 
02:32
In this video, I give you a behind the scenes tour of what steps your loan takes in order to get to a loan closing. You get to meet the staff that processes your loan from beginning to the end. You can learn more about me and my team at http://www.danmoralez.com
Views: 74 Dan Moralez
Grand Rapids & Holland, MI First Time Homebuyer Tips - www.DANMORALEZ.com
 
02:32
http://www.danmoralez.com In this video I talk about the importance of mortgage documentation as part of the mortgage process for first time homebuyers. I have been mortgage lending since 1993 and am experienced in all kinds of loans. FHA, VA, Conventional, USDA Rural Housing, MSHDA, Renovation and construction loans. I also have a strong background working with self employed clients and professional investors who own multiple investment properties. I lend primarily in Michigan with my primary area of lending being Western Michigan (primarily Grand Rapids and Holland, Michigan). I am able to lend all throughout Michigan and a number of states.
Views: 89 Dan Moralez
Mortgage Info For Realtors - Grand Rapids and Holland, Michigan
 
02:11
Find out more about me on my website at http://www.danmoralez.com. In this mortgage tip for Realtors I discuss the importance of working with your lender to help set the right expectation for clients in regards to the paperwork that is needed to successfully complete the mortgage process. Helping to set the clients expectations will help to insure that we get the necessary documentation quickly which serves to expedite the mortgage process.
Views: 84 Dan Moralez
HARP Home Affordable Refinance Mortgages | 616-931-4629 | Grand Rapids & Holland, Michigan
 
06:43
In this video I gave an update on what is the Home Affordable Refinance Program, what has changed since the original program and answers to some of the common questions I get in regards to the Home Affordable Refinance Program (aka HARP 2.0). You can find the most current information on this program on my website at http://www.danmoralez.com/2012/05/20/president-obamas-revamped-harp-refinance-program/
Views: 83 Dan Moralez
Veterans VA Home Loans - Grand Rapids and Holland, Michigan
 
03:13
http://www.danmoralez.com. I wanted to share this video to help our veterans become aware of the benefit of a VA home loan. Many of our vets are not aware of an amazing benefit that allows them to purchase a home with no down payment. I have been lending since 1991 and believe that VA home loans are a great option for veterans who qualify. While my primary area of expertise is Holland and Grand Rapids Michigan, we do lend throughout all of Michigan and several states. To find out if you are eligible for a VA loan please contact me at dan@danmoralez.com or at 616-931-4629.
Views: 75 Dan Moralez
Mortgage Types | Grand Rapids & Holland, MI | First Time Homebuyers
 
02:31
In this video I share some information on different types of mortgages. Look for more information on this topic soon. Have questions about buying a home now or in the future? Call me for a free consultation on your mortgage options. I can be reached at 616-931-4629 or at www.danmoralez.com.
Views: 69 Dan Moralez
Homebuyer Mortgage Tips | Grand Rapids and Holland Michigan Mortgage Loans
 
01:39
In this video I talk about what first time homebuyers should know about the documentation required to get a mortgage and how it can help to close a loan quickly. If you are in the market for a mortgage loan in Grand Rapids, MI or Holland, MI my team and I would love to assist you. You can find more information about us and our services at http://www.danmoralez.com.
Views: 58 Dan Moralez