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  • HBR 189 - What Is A Debt-to-Income Ratio?

    HBR 189 - What Is A Debt-to-Income Ratio?
    2023/03/01

    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 

     
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    7 分
  • HBR 188 - Higher Rates Ahead?

    HBR 188 - Higher Rates Ahead?
    2023/02/22

    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 

     
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    5 分
  • HBR 187 - Benefits of Seller Paid Closing Cost

    HBR 187 - Benefits of Seller Paid Closing Cost
    2023/02/08

    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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    15 分
  • HBR 186 - Heather's Thoughts on The Lakeshore Housing Market

    HBR 186 - Heather's Thoughts on The Lakeshore Housing Market
    2023/02/03

    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 
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    12 分
  • HBR 185 - Big Changes To Mortgage Rates

    HBR 185 - Big Changes To Mortgage Rates
    2023/01/25

    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
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    6 分
  • HBR 184 - Why You Need a Real Estate Expert

    HBR 184 - Why You Need a Real Estate Expert
    2023/01/18

    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 
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    16 分
  • HBR 183 - Real Estate Is All About The People!

    HBR 183 - Real Estate Is All About The People!
    2023/01/11

    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 
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    9 分
  • HBR 182 - Current Market Conditions in West Michigan with Rachel Gallegos from EXP Realty

    HBR 182 - Current Market Conditions in West Michigan with Rachel Gallegos from EXP Realty
    2023/01/02
    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, 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 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. The Dart Bank is an Equal Housing Lender. All Rights Reserved 
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    14 分