Podcasts about northpointe bank

On today's show, Michael and Ben are joined by Jason Anderson, Regional Vice President of Northpointe Bank to discuss: the All-In-One Loan, how interest rates affect home equity lines of credit, who this product may or may not benefit, he dangers of financial engineering, and much more!    Find complete show notes on our blogs... Ben Carlson's A Wealth of Common Sense Michael Batnick's The Irrelevant Investor Feel free to shoot us an email at animalspiritspod@gmail.com with any feedback, questions, recommendations, or ideas for future topics of conversation.   Check out the latest in financial blogger fashion at The Compound shop: https://www.idontshop.com Past performance is not indicative of future results. The material discussed has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed, and F/m Investments makes no representation or warranty as to the accuracy or completeness of the information, which should not be used as the basis of any investment decision. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of writing and are subject to change without notice. For more information about F/m Investments, including our Form ADV brochures, please visit https://adviserinfo.sec.gov and search for our firm name.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. Wealthcast Media, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this show we discuss: -Portfolio Financing Programs Offered at Northpointe Bank ft. Paul Salcone -Emilio's Most Recent Fraud Encounter -Current State of the Property Insurance Market ft. John Lapointe -RIBlogger's End of August 2023 Events Coming Up In Rhode Island!

Taking the first step to buy a home may be scary. But when you work with the right people, have the right information, and be educated, buying a home can be easier and more affordable than you may think! In this episode, Debbie Berry, Mortgage Loan Originator at Northpointe Bank in North Charleston, SC, will share her expertise to guide you through its competitive financing terms for borrowers and other featured loan programs for first-time home buyers whether with a down payment or closing cost if reserves is an issue. Being in the mortgage industry for 22 years with her primary focus on first-time homebuyers, Debbie also brings a wealth of knowledge about focusing on serving and delivering tremendous opportunities for you to be successful in your endeavor for homeownership. Providing homebuyer education and vast opportunity for some much-needed relief for buyers that are very stressed and strained in this current climate. Finally, as a homeowner, it should be important to you to know what your best options are and that you are making the best financial choices for yourself and your family. So if you have been considering purchasing a home, don't be afraid, just take the first step... Talk to your trusted loan officer for specifics on what you need to get started. Listen and leave a review HERE to let us know your thoughts on the show. Let's dive in! What You'll Learn From This Episode: Know who Debbie Berry is and her primary focus What are their featured loan programs to help buyers in this changing real estate season, and how to qualify for them? Why is it hard to qualify for homeownership for first-time homebuyers, especially in the Charleston area? How seller concession helps first-time homebuyers to come out with a downpayment. Things that prospective buyers need to know in achieving homeownership Debbie's perspective on the changing mortgage rates and the housing market in general, and how consumers will have to adjust to it? What's a First-Lien HELOC & how does it work? Advantages of an educated first-time homebuyer Discover available unique programs for ibuyers Connect with Corwyn @: Contact Number: 843-619-3005 Instagram: https://www.instagram.com/exitstrategiesradioshow/ FB Page: https://www.facebook.com/exitstrategiessc/ Youtube: https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA Website: https://www.exitstrategiesradioshow.com Linkedin: https://www.linkedin.com/in/cmelette/ Email @: corwyn@corwynmelette.com Connect with Debbie @: Phone: 843-817-4202 Email: debbie.berry@northpointe.com Facebook

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 

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 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 

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, 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 

Evan and Shane talk to Troy Williams of Northpointe Bank about construction loans available for shipping container construction. They also discuss how this form of home building is still very taboo with many lenders, and how to talk to a bank when it comes to financing a container build project and how this form of building is simply modular construction. Its not as off the charts as people think, and more financial institutions are now seeing the light. Shane and Evan also talk about their container and modular build projects and how close they are to starting them. Listen in!!!!   financemycontainerhome.com ON INSTAGRAM FOLLOW SHANE: @shanebaileybuilder FOLLOW EVAN: @evanbailey97

Continued from Part 1, listen to the rest of the gems about buying your next home from Brent Dean, Mortgage Loan Officer at Northpointe Bank. Also stay tuned to our special announcement.For More resources See Below:-Brent Dean: Brent.dean@northpointebank.com-KJ Tucker: kjtucker@kw.com-Tova: @tovajones on IG and Facebook-Samuel: @samjones0608 on IG and Facebook

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 approved. This week we talk about collateral.  What is the home that secures your mortgage worth and does it adequately secure the banks interest in your home. Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

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 approved. This week we talk about capacity. How much debt can you afford to pay based on your income? This makes a huge difference on the amount of home you may be eligible to finance. Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

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 approved. This week we talk about the impact of your credit on the mortgage process. Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

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 approved. This week we talk about cash and why a solid down payment can help improve your chances of getting a mortgage approved. Want to know more about home loan options? My team and I would love to help you. Feel free to reach out to us. We can be reached online at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 Regional Vice President - Mortgage Loan Officer Northpointe Bank All loans subject to credit approval. Northpointe Bank is an Equal Housing Lender

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 All loans subject to credit approval. Rates terms and conditions subject to change without notice. Northpointe Bank is an Equal Housing Lender.

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 Regional Vice President NMLS #709729 Northpointe Bank is an Equal Housing Lender All loans are subject to credit approval Rates, terms and conditions are subject to change without notice

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 team and I would love to help you.  You can reach us online at www.danmoralez.com or at 616-931-4629 Dan Moralez Regional Vice President NMLS #709729 Northpointe Bank is an Equal Housing Lender All loans are subject to credit approval Rates, terms and conditions are subject to change without notice

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. If you would like to learn more you can reach us at 616-931-4629 or online at www.danmoralez.com. Dan Moralez Regional Vice President NMLS #709729  Northpointe Bank is an Equal Housing Lender All loans subject to credit approval

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 important that your start this process sooner. 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. Thanks for listening and make sure to leave a review of the podcast. Daniel J. Moralez Regional Vice President NMLS #709729 Northpointe Bank is an Equal Housing Lender  All loans are subject to credit approval

This week I talk about how you can avoid paying stupid tax by taking some time to be educated about the home loan process and your options.  When you assume you know it all, you get the opportunity to pay “stupid tax” by over paying for your home loan. In the market for a home loan, my team and I would love to help you out.  You can reach me at 616-931-4629 or at www.danmoralez.com. Dan Moralez NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval 

Matthew is a veteran mortgage banker in Southwest Florida since 2004. After receiving his BA in business administration from Albion College, Matthew eventually became an award-winning mortgage banker and is regularly the recipient of the Sarasota Five Star Mortgage Professional Award - an award based on peer review, issued by Sarasota Magazine. Matthew is a master relationship builder and has risen to the top of his profession by listening to the objectives of his customers and providing creative solutions based on his depth of product knowledge. He is also adept at developing strategic business plans and he helps his Realtor partners evaluate their daily routines and set business goals. Matthew joins us with his rescue dog "Double Butters" and shares his perspective on developing business relationships, knowing your numbers and living in Sarasota. Watch this episode on Youtube! https://youtu.be/2f_HY8vmymk Matthew Arcari marcari@srqmortgages.com 941.780.0429 Subscribe to our podcast: Apple Podcast: https://tinyurl.com/yyt84zoh Google Podcast: https://tinyurl.com/y4apzzn3 Spotify: https://tinyurl.com/y69pjqsk Watch the podcast on Youtube: https://youtu.be/nqCWG-JkAlM Join Preferred Shore https://www.preferredshoreagentexperience.com/ Sell with Preferred Shore https://winmorewithshore.com/ Follow us on Facebook https://www.facebook.com/PreferredShore/ #success #goals #lakewoodranch #topagent #floridarealtor #motivation #siestakey #luxuryrealestate #milliondollarlisting #waterfront #bradenton #youragent #realtor #local #srq #sarasota #sarasotarealestate #floridarealestate #realestate #realestatebroker #broker #billionssold #stpete #stpetersburg #preferredshore #stpeterealestate #instagood #luxury

This week I share some stories on how inexperienced Realtors and Lender’s nearly cost some clients thousands of dollars.  I have said it time and time again.  It is very important for clients to have experienced people working for them. If you are in the market to purchase a home or in need of a mortgage.  My team and I would love to have the opportunity to help you.  You can find us online at www.danmoralez.com .  You can also call us at 616-931-4629. Dan Moralez NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

This week I share a story on how I just closed on a loan for a client who purchased the very first home that I owned. It was fun to look at how the home has changed. However, it affirmed to me what a great decision buying a home is financially. If you are in the market for a mortgage, my team and I would love to help you.  You can reach us at 616-931-4629 or via our website at www.danmoralez.com. Dan Moralez Regional Vice President Mortgage Loan Officer  NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

This week I talk about credit repair with Sam Parker from My Credit Guy.  Sam has helped a lot of people fix their credit to become a homeowner.   If you are in the market for a home loan, my team and I would love to help you.  You can reach us at www.danmoralez.com or at 616-931-4629. Dan Moralez Regional Vice President Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

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.  Sometimes it may be easier than that you think and we have been able to get some loans approved that did not meet the standard guidelines. You can reach me at 616-931-4629 or online at www.danmoralez.com. Dan Moralez Regional VP - Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All loans subject to credit approval

In this weeks episode I talk about problems clients have that sometimes they don't even know they have and how they can impact the loan approval process.  I also explain why it is important that you start this process sooner rather than later. In the market to buy, build or refinance a mortgage? Looking for an experienced lender who knows what they are doing and how to properly structure your loan? My team and I would love to help you. You can reach us at 616-931-4629 or via our website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

If you are thinking about buying a home, I can't stress enough the importance of starting this process earlier.  In this weeks episode I talk about that and other challenges that clients face when they wait too long to start the mortgage process. In the market to buy, build or refinance a mortgage? Looking for an experienced lender who knows what they are doing and how to properly structure your loan? My team and I would love to help you. You can reach us at 616-931-4629 or via our website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

When it comes to buying a home, verification of information on your loan application is the key. This week I talk about why documentation matters and how you can help to speed up the home buying process by being prepared to document income, assets, etc. In the market to buy, build or refinance a mortgage? Looking for an experienced lender who knows what they are doing and how to properly structure your loan? My team and I would love to help you. You can reach us at 616-931-4629 or via our website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

In this weeks episode I talk about the difference between being pre-qualified vs. being pre-approved. There is a difference between the two. Find out what the difference is and why I recommend being pre-approved for a mortgage. In the market to buy, build or refinance a home? I would love to help you. You can reach me at 616-931-4629 or online at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All loans are subject to credit approval.

Mortgage information is everywhere. But what should you believe and how can you check the accuracy of some of the information that is out there? In this weeks episode, I talk about how you can start to sort through the noise of mortgage marketing. You can always make it easier on yourself and just work directly with me and my team. If you are in the marketing for a mortgage, we would love to help you. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer NMLS #709729 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

Need to refinance your home to pay off your spouse? Mortgage expert Dan Moralez, with NorthPointe Bank, offers some excellent tips on how to navigate refinancing during or after the divorce process in our latest Thacker Sleight podcast.

This week I talk about the need for your cooperation in the mortgage process. Your cooperation is one of the biggest factors in determining how your mortgage process will go. If you are in the market or even thinking about buying a home, my team and I would love to help you. You can reach us at 616-931-4629 or online via my website at www.danmoralez.com.   Dan Moralez NMLS #709729 Mortgage Loan Officer  Northpointe Bank is an Equal Housing Lender

Summary: In this episode of The Perfect Property, Juli talks with Eric Rothberg from Northpointe Bank. Eric, a lender in the Atlanta area, has 28 years of lending experience. Plus, he started as an underwriter so he also has a lot of technical knowledge to bring to his clients.In this episode, Juli and Eric talk all about mortgages. You'll hear about the best practices when it comes to shopping for a mortgage, common mistakes that buyers make, and what “locking in a rate” really means. Eric also goes over how to handle cash deposits, buying a mortgage point, and why you should use a local lender. Finally, he goes over what you can expect if you choose to work with Northpointe Mortgage. What You'll Learn: ·         What are the best practices for mortgage shopping? (0:18)·         Three common mistakes buyers make (2:06)·         How long do you have to have cash deposits in the bank to count them? (4:45)·         How and why rates change (6:00)·         What does it mean to lock in a rate? (8:49)·         The best advice for someone purchasing in the next 30, 60, or 90 days (10:47)·         Stories from 28 years as a lender (12:53)·         Buying a mortgage point (14:15)·         Using a local lender (18:16)·         Surprise fees (21:06)·         Eric's quickest close on a loan (23:00)·         What can you expect from Northpointe Mortgage? (23:22) Key Points:  “The most important thing when you do your mortgage shopping is to start the preapproval process as quickly as possible.” “Cash deposits are hard to trail and source, so we always try to tell our buyers not to do cash deposits.”“Rates can change more than once a day if the market does shift. The market is tied to the bond market, so as the bond market does change, if it's a drastic change whether it's positive or negative, the rates will improve or worsen depending on how that market is going and that can happen a few times a day.”“When you lock in the rate that does mean your rate is locked and typically if rates improve you don't typically get a better interest rate, but there are some lenders like us that will renegotiate the rate to assist with the fact that the market changes.”“Mortgage points is tied in with the rate and also that's the commission or income for the lender or the mortgage company or bank. There are mortgage companies that automatically will charge a 1% origination fee as their cost and that is their cost to do the loan.”“A lot of companies like us will do a zero origination fee loan where you don't have to pay that point and that way you're enabled to save in your closing costs and keep your costs down.”“The midsize lender which is where I work, we do have the ability to close loans a little quicker.”“The local lender also tends to be a little more available to the realtor and the client when they do have the need for a preapproval letter or an estimate.”Links: Juli's Email: juli@theperfectproperty.comJuli's Phone Number: 404-668-8975 (call or text)The Perfect Property Website. www.theperfectproperty.com   

In this weeks episode I talk about the appraisal process.  Many clients may soon be given the option to skip the appraisal as part of the home buying process.  While you may think that is a good thing, it can potentially come with some risk. Want to learn more about the home buying process or want to get pre-approved for a new mortgage? Feel free to reach out to my team and I. We would love to help you. Dan Moralez NMLS #709729 616-931-4629 www.danmoralez.com Northpointe Bank is an Equal Housing Lender

If you were pre-approved for an FHA mortgage, recent changes to the FHA scorecard may have a huge impact on you and could make you potentially ineligible.   If you are in the market to buy a home and need a mortgage, my team and I would love to help you. You can reach me online at www.danmoralez.com or via phone/text at 616-931-4629. We look forward to having the opportunity to work with you. Dan Moralez NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

This week we talk about what are mortgage rates and the number of factors that can impact the rates and terms you are eligible for. If you want straight forward facts and options when it comes to your next mortgage, connect with my team and I. For nearly 28 years I have been working with clients all over the country to provide honest mortgage answers. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629.  We look forward to having the opportunity to help you. Dan Moralez Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

I feel like I record this episode every few weeks. It seems like a day doesn't go by that I don't talk to clients who have expectations that are unrealistic. If you are in the market for a mortgage, connect with my team and I so we can help you have realistic expectations about your home purchase. This will make your home buying process more realistic and a better overall experience for you. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629.  We look forward to having the opportunity to help you. Dan Moralez Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

Thinking of selling your current home? Get pre-approved BEFORE you sell your current home. I continue to see clients sell their current home before getting pre-approved for a new loan for a new home.  A number of these clients have NOT been able to get approved for a new home when their current home is now under contract to be sold.  Don't let that happen to you. Connect with us to get pre-approved BEFORE you sell your current home. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629.  We look forward to having the opportunity to help you. Dan Moralez Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

If you have been turned down for a mortgage, you should be getting a second opinion. In the recent week, I have had a number of clients who were turned down for a mortgage that we were able to get approved.   Just because a lender tells you that you don't qualify, don't assume they know what they are doing. Reach out to my team and I for a second opinion. If we can't help you, we will give you a solid game plan to help you get to a point where home ownership may be a possibility for you. You can reach me and my team online at http://www.danmoralez.com or at 616-931-4629.  We look forward to having the opportunity to help you. Dan Moralez Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

This week Rebecca shares some tips for home sellers. Pricing a home requires data and market knowledge. It is super important to work with a Realtor who is seasoned and knows what they are doing. If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez Regional Vice President Northpointe Bank NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

In this 1st episode of the Rocky Mountain Real Estate Show. We cover the 1st step of buying a home, the MONEY. Where is it, and how can I get access to it. We have a guess a Loan Officer from Northpointe Bank, Nichole May.

This week Rebecca and I talk about the importance of working with a seasoned Realtor and share a story of how it cost one client a lot of time, money and frustration. If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez Regional Vice President Northpointe Bank NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

This week Rebecca and I talk about what is currently happening in the real estate market in West Michigan. The market in West Michigan is similar to what we are seeing and hearing from others in the industry. If you are in the market to buy a home my team and I would love to help you finance it. We lend in all 50 states. You can reach me at 616-931-4629 or via my website at www.danmoralez.com. Dan Moralez Regional Vice President Northpointe Bank NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

This show, I invited Dan Morales on as a guest. Dan is a Loan Officer with Northpointe Bank with over 27 years of Mortgage Experience. We discuss the many myths surrounding the VA Home Loan, The importance of interviewing your lender and what sets us apart!

Are you just window shopping?  Are you looking for a home without having a mortgage pre-approval?  I talk about why you need to get pre-approved before looking at homes. We would love to help you finance your new home. You can reach me at 616-931-4629 or online at http://www.danmoralez.com Dan Moralez Mortgage Loan Officer Regional Vice President Northpointe Bank NMLS #709729 Northpointe Bank is an Equal Housing Lender

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.

In this weeks episode we talk about lenders who tell you what you want to hear and not necessarily what you need to hear.  As the real estate market slows down some, lenders can often times over promise and under deliver. I share a story about a client who recently had this happen to them. Don't let that be you.  If you are in the market for a home loan, please contact us. We would love to help you.  You can find us online at http://www.danmoralez.com Dan Moralez Regional Vice President Northpointe Bank NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender 

You have been looking for a home. Have had multiple offers fall short and can't quite get a deal to come together. You may be the victim of buyer fatigue.  This week I talk about why now is not the time to be the victim of buyer fatigue. If you are in the market to buy a new home, I would love to help you finance it.  You can reach me at 616-931-4629 or at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer Northpointe Bank NMLS #709729 Northpointe Bank is an Equal Housing Lender

This week I talk about why I do the podcast and the trend of higher interest rates.   If you are in the market to buy a home, I would love to help you finance it. You can reach me at 616-931-4629 or online at www.danmoralez.com. Dan Moralez VP - Mortgage Loan Officer  Northpointe Bank NMLS #709729 616.931.4629 Northpointe Bank is an Equal Housing Lender

This week I answer a listeners questions about relocating, new jobs and how your new spouses credit may impact you.  Do me a favor and please share the podcast with others who could benefit from this information.   If you are thinking of buying a home, please contact me for a mortgage. I would love to work with you. Dan Moralez Mortgage Loan Officer NMLS #709729 616.931.4629 Northpointe Bank is an Equal Housing Lender

Often times clients think by default they should go to their local bank where they have their bank accounts for their mortgage. In this weeks episode, I talk about why that may be a mistake you don't want to make. If you need a mortgage, you should be reaching out to me. You will get an experienced lender who knows what they are doing and options that you likely won't see somewhere else. You can reach me by using the contact information below: Dan Moralez NMLS #709729 616-931-4629 http://www.danmoralez.com Northpointe Bank is an Equal Housing Lender

Last week we talked about why you need an experienced Realtor. This week I talk about why you need an experienced Loan Officer. You can save yourself a lot of hassle by just contacting me when you are ready to buy. You can reach me by using the following contact information: Dan Moralez NMLS #709729 616-931-4629 http://www.danmoralez.com Northpointe Bank is an Equal Housing Lender

Yes! You need a Realtor to represent you on your home purchase. So often clients think they can do this without professional guidance and when you do that you create risk for yourself that you likely don't understand.   In this weeks podcast, I talk about why you need a good seasoned Realtor to protect your interest.  You can try to do this on your own, but don't say I did not warn you. Like you need a good Realtor, you need a seasoned and experienced lender. We have you covered there. You can reach me at http://www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

Why are you waiting to get pre-approved for a mortgage? If you are thinking of buying a home, this needs to be your first step in the process, not an after thought. 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

This week I talk about your circumstances are a result of things you have done. I also talk about why your cooperation is key to a successful mortgage process. 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

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 online at www.danmoralez.com. Daniel J Moralez VP - Mortgage Loan Officer Northpointe Bank NMLS #709729 Northpointe Bank is an Equal Housing Lender

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

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 All loans subject to credit approval

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 Northpointe Bank is an Equal Housing Lender All Loans Subject to Credit Approval

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 Northpointe Bank is an Equal Housing Lender

- Why Don has no qualms about taking down investment charlatans. - The increase in index fund investment over the last two decades. - Common questions that Tom encounters from clients who have been swindled. - Knowing your money’s purpose before making any kind of investments. - Creating a savings habit from a young age. - Don’s idea to send the SEC some hats to improve their practices. - Figuring out if your investment plan is too conservative. - The differences between a money market account and a money market fund. Money Thirty Podcast — [https://www.moneythirty.com/](https://www.moneythirty.com/) Real Investing Journal — [https://www.realinvestingjournal.com/](https://www.realinvestingjournal.com/) Vestory — [https://vestory.com/](https://vestory.com/) 401411 — [http://www.401411.com/](http://www.401411.com/) Vanguard — [https://investor.vanguard.com](https://investor.vanguard.com) Wall Street Journal — [https://www.wsj.com/](https://www.wsj.com/) Billions — [https://www.imdb.com/title/tt4270492/](https://www.imdb.com/title/tt4270492/) Andrew Ross Sorkin — [https://www.nytimes.com/by/andrew-ross-sorkin](https://www.nytimes.com/by/andrew-ross-sorkin) Bobby Axelrod — [http://billions.wikia.com/wiki/Bobby_Axelrod](http://billions.wikia.com/wiki/Bobby_Axelrod) The Americans — [https://www.imdb.com/title/tt2149175/](https://www.imdb.com/title/tt2149175/) The West Wing — [https://www.imdb.com/title/tt0200276/](https://www.imdb.com/title/tt0200276/) Happy Days — [https://www.imdb.com/title/tt0070992/](https://www.imdb.com/title/tt0070992/) Yes — [http://yesworld.com/](http://yesworld.com/) Incredibles 2 — [https://www.imdb.com/title/tt3606756/](https://www.imdb.com/title/tt3606756/) Financial Fysics — [https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557](https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557) SEC — [https://www.sec.gov/](https://www.sec.gov/) Bankrate — [https://www.bankrate.com/](https://www.bankrate.com/) Northpointe Bank — [https://www.northpointe.com/](https://www.northpointe.com/)

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 Northpointe Bank 616-931-4629

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 loans subject to credit approval.

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 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.

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.  All Loan Subject to Credit Approval.

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 Housing Lender.  All Loan Subject to Credit Approval.

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.

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 is an Equal Housing Lender.  All Loan Subject to Credit Approval.

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 Housing Lender.  All Loan Subject to Credit Approval.

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 Northpointe Bank is an Equal Housing Lender.  All Loan Subject to Credit Approval.

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 Equal Housing Lender.  All Loan Subject to Credit Approval.

If you don't cooperate with the loan process, you can delay your loan closing or cause your mortgage application to be denied.  The home loan process is far different then the loan process for buying a car or even getting a credit card.  Often times those loans may require significantly less documentation.  The home loan process is all about documentation. When you cooperate quickly with that process you help to make your loan process go faster and help to avoid stress. When your ready to buy a home it is important that you work with a lender who knows what they are doing.  We are here to help you.  You can reach me at 616-931-4629 or at my website at http://www.danmoralez.com.   Dan Moralez Regional VP Mortgage Loan Officer NMLS #709729 616-931-4629 Northpointe Bank is an Equal Housing Lender

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

In this weeks episode I talk about mortgages and divorce.  This is the first of multiple episodes on Divorce and the mortgage process.   Want to get started on a mortgage preapproval without cost or obligation?  You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS #709729 Northpointe Bank is a member FDIC and an Equal Housing Lender

This week I talk about some things you should consider when looking at what Realtor you should hire for your house hunt.   Would you like a referral to a Realtor? Want to get started on a mortgage preapproval without cost or obligation?  You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS #709729 Northpointe Bank is a member FDIC and an Equal Housing Lender

This week I talk about the differences between a mortgage pre-qualification and a mortgage pre-approval.   Want to get started on a mortgage pre-approval without cost or obligation?  You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS #709729 Northpointe Bank is a member FDIC and an Equal Housing Lender

Should you be home shopping without having a mortgage pre-approval?  Absolutely not!  How do you know what you can afford if you have not been to the bank first.  In this weeks episode I explain why you should be pre-approved before you look for a home. Want to get started on a mortgage preapproval without cost or obligation?  You can do that by going to my website at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President NMLS #709729 Northpointe Bank is a member FDIC and an Equal Housing Lender

In this weeks episode I go even deeper into Private Mortgage Insurance (PMI) and how it can be structured in different ways depending on your long term goals.  As with most things there are pluses and minuses to each option. Let us help you figure out what the best option for you is.  You can start your application online at www.danmoralez.com or by calling me at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President Northpointe Bank NMLS #709729 Northpointe Bank is a member FDIC and an Equal Housing Lender

In this weeks episode I talk further about Private Mortgage Insurance (PMI).  There are a number of ways PMI insurance can be structured.  Remember, it is only required on conventional loans with down payments of less than 20%.  Want to know more about your specific situation and how PMI could impact you? Schedule a time with us to review your options.  You can do that by applying on my website at www.danmoralez.com or by calling my office at 616-931-4629. Dan Moralez Mortgage Loan Officer Regional Vice President Northpointe Bank NMLS #709729 Northpointe Bank is a member FDIC and Equal Housing Lender

This week I start to tackle the topic of PMI insurance and the fact that there are multiple PMI companies to work with. In the weeks to come we will talk about PMI insurance in more detail. Ready to start the process of buying a home? Reach out to us, we will be happy to help! Dan Moralez Mortgage Officer Northpointe Bank 616-931-4629 dan@danmoralez.com NMLS #709729 Northpointe Bank is an equal housing lender.

This week I talk about interest rates and how they can and do change. Ready to start the process of buying a home? Reach out to us, we will be happy to help! Dan Moralez Mortgage Officer Northpointe Bank 616-931-4629 dan@danmoralez.com NMLS #709729 Northpointe Bank is an equal housing lender.

In this weeks episode we talk about mortgage documentation and the role you play in helping us to process your loan as quickly as possible. Ready to start the process of buying a home? Reach out to us, we will be happy to help! Dan Moralez Mortgage Officer Northpointe Bank 616-931-4629 dan@danmoralez.com NMLS #709729 Northpointe Bank is an equal housing lender.

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.

This week I interview Rebecca Perkins from @Home Realty (rebeccaperkinshomes.com).  Rebecca talks about the benefits of working with a Realtor and why trying to sell your home on your own may not be in your best interest. Ready to get started on the process of buying a new home?  Need to know what your current home is worth?  Feel free to reach out to Rebecca at:   Rebecca Perkins @Home Realty 616-218-6161 rebecca@rebeccaperkinshomes.com Ready to get started on your mortgage.  Reach out to Dan at: Dan Moralez Mortgage Officer Northpointe Bank 616-931-4629 dan@danmoralez.com NMLS #709729 Northpointe Bank is an equal housing lender.

This week Rebecca Perkins from @Home Realty and I pick up where we left off on our discussion of working with a Realtor and why it benefits you.  In particular we talk about the importance of buyers agents and why it matters to you as a home buyer.   Ready to get started on the process of buying a home?  Feel free to reach out to Rebecca or I.   Rebecca Perkins @Home Realty 616-218-6161 rebecca@rebeccaperkinshomes.com Dan Moralez Mortgage Officer Northpointe Bank 616-931-4629 dan@danmoralez.com NMLS #709729 Northpointe Bank is an equal housing lender.  

This week I interview Rebecca Perkins from @Home Realty (rebeccaperkinshomes.com).  Rebecca talks about the benefits of working with a Realtor.   Ready to get started on the process of buying a home?  Feel free to reach out to Rebecca or I.   Rebecca Perkins @Home Realty 616-218-6161 rebecca@rebeccaperkinshomes.com Dan Moralez Mortgage Officer Northpointe Bank 616-931-4629 dan@danmoralez.com NMLS #709729 Northpointe Bank is an equal housing lender.

In this weeks episode I talk about homes that are for sale by owner and things you should be aware of as a home buyer.  I also talk about the importance of having professional guidance from a real estate professional.   Ready to get your mortgage application started? You can do that at www.danmoralez.com. Northpointe Bank is an equal housing lender - NMLS #709729

This week I talk about paper work that is required as part of the mortgage process and why it is important that you cooperate with the process. You hold the key to helping us process your loan quickly. You can start on your mortgage approval by going to my website at www.danmoralez.com.  Do you have a question you would like us to answer?  Send us an email at dan@danmoralez.com. Northpointe Bank is an equal housing lender. NMLS #709729

In this weeks episode I talk about why your Realtor's experience matters and how it can impact you as a home buyer.  If you need a referral to a good Realtor who knows what they are doing, let me know.  I have contacts nationwide that can help you.  You can reach me at 616-931-4629 or at dan@danmoralez.com.   Need to get pre-approved for a mortgage?  Start your application online at www.danmoralez.com. Northpointe Bank is an equal housing lender - NMLS #709729