Home Buyer Radio podcast

Player FM - Internet Radio Done Right

20 subscribers

Menambahkan eight tahun yang lalu

Konten disediakan oleh Dan Moralez and Daniel J Moralez. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Dan Moralez and Daniel J Moralez atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.

The Big Pitch with Jimmy Carr

1
Phil Wang Pitches Psychological Thriller Starring WHO?! 24:35

4 hari yang lalu24:35

Putar Nanti

Daftar

Suka

Menyukai

24:35

It’s the very first episode of The Big Pitch with Jimmy Carr and our first guest is Phil Wang! And Phil’s subgenre is…This Place is Evil. We’re talking psychological torture, we’re talking gory death scenes, we’re talking Lorraine Kelly?! The Big Pitch with Jimmy Carr is a brand new comedy podcast where each week a different celebrity guest pitches an idea for a film based on one of the SUPER niche sub-genres on Netflix. From ‘Steamy Crime Movies from the 1970s’ to ‘Australian Dysfunctional Family Comedies Starring A Strong Female Lead’, our celebrity guests will pitch their wacky plot, their dream cast, the marketing stunts, and everything in between. By the end of every episode, Jimmy Carr, Comedian by night / “Netflix Executive” by day, will decide whether the pitch is greenlit or condemned to development hell! Listen on all podcast platforms and watch on the Netflix Is A Joke YouTube Channel . The Big Pitch is a co-production by Netflix and BBC Studios Audio. Jimmy Carr is an award-winning stand-up comedian and writer, touring his brand-new show JIMMY CARR: LAUGHS FUNNY throughout the USA from May to November this year, as well as across the UK and Europe, before hitting Australia and New Zealand in early 2026. All info and tickets for the tour are available at JIMMYCARR.COM Production Coordinator: Becky Carewe-Jeffries Production Manager: Mabel Finnegan-Wright Editor: Stuart Reid Producer: Pete Strauss Executive Producer: Richard Morris Executive Producers for Netflix: Kathryn Huyghue, Erica Brady, and David Markowitz Set Design: Helen Coyston Studios: Tower Bridge Studios Make Up: Samantha Coughlan Cameras: Daniel Spencer Sound: Charlie Emery Branding: Tim Lane Photography: James Hole…

Home Buyer Radio

Beranda serial•Feed

So your thinking of buying a home. In this podcast I share with you insider secrets and tips on how to successfully purchase a home. In addition, I will interview industry experts on real estate trends to help make sure you have the most cutting edge information available.

188 episode

#Business #Mortgage #Realestate #Dan Moralez #Daniel J Moralez #Realtor #Podcasting Education #Homebuying #Homeselling

Home Buyer Radio

20 subscribers

updated 2 tahun yang lalu

Beranda serial•Feed

188 episode

#Business #Mortgage #Realestate #Dan Moralez #Daniel J Moralez #Realtor #Podcasting Education #Homebuying #Homeselling

Semua episode

Home Buyer Radio

1
HBR 189 - What Is A Debt-to-Income Ratio? 6:55

2 years yang lalu6:55

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 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…

Home Buyer Radio

1
HBR 188 - Higher Rates Ahead? 4:33

2 years yang lalu4:33

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, 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…

Home Buyer Radio

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

2 years yang lalu14:30

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…

Home Buyer Radio

1
HBR 186 - Heather's Thoughts on The Lakeshore Housing Market 12:22

2 years yang lalu12:22

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.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…

Home Buyer Radio

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

2 years yang lalu5:34

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 Regional VP - Mortgage Loan Officer The Dart Bank NMLS #709729 616-931-4629…

Home Buyer Radio

1
HBR 184 - Why You Need a Real Estate Expert 15:34

2 years yang lalu15:34

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 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…

Home Buyer Radio

1
HBR 183 - Real Estate Is All About The People! 9:01

2 years yang lalu9:01

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 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…

Home Buyer Radio

1
HBR 182 - Current Market Conditions in West Michigan with Rachel Gallegos from EXP Realty 13:55

2 years yang lalu13:55

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, 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…

Home Buyer Radio

1
HBR 181 - What Is Going On With Mortgage Rates? 11:26

3 years yang lalu11:26

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 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…

Home Buyer Radio

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

3 years yang lalu11:14

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 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…

Home Buyer Radio

1
HBR 179 - Would An Adjustable Rate Benefit You? 9:04

3 years yang lalu9:04

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, 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…

Home Buyer Radio

1
HBR 178 - Self-Employed & Appraisal Updates 11:41

3 years yang lalu11:41

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 will also start to allow desktop appraisals for eligible transaction. It remains to be seen if that is a good thing or not. I talk about that in more detail in this weeks episode. In the market for a home loan? Trust my team and I to deliver expert guidance and direction. You can find us online at https://www.danmoralez.com or at 616-931-4629. Daniel J. Moralez NMLS #709729 Equal Housing Lender All loans subject to credit approval…

Home Buyer Radio

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

3 years yang lalu7:29

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 reach out to my team and I. We would love to help you. Dan Moralez NMLS #709729 616-931-4629 https://www.danmoralez.com Equal Housing Lender All loans subject to credit approval.…

Home Buyer Radio

1
HBR 176 - Second Home & Condo Financing Updates 11:41

3 years yang lalu11:41

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 online at https://www.danmoralez.com . Daniel J Moralez Regional VP - Mortgage Loan Officer NMLS #709729 All loans subject to credit approval. Equal Housing Lender.…

Home Buyer Radio

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

3 years yang lalu4:21

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 and have a number of unique options available to us exclusively. If you would like to learn more. Please reach out to us at 616-931-4629 or online at www.danmoralez.com Dan Moralez Regional VP - Mortgage Loan Officer NMLS #709729 Equal Housing Lender - All Loans Subject to Credit Approval.…

Home Buyer Radio

1
HBR 174 - New Home - New Year 4:02

3 years yang lalu4:02

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 process. You can reach us at 616-931-4629 or at https://www.danmoralez.com . Dan Moralez NMLS #709729 Equal Housing Lender - All loans subject to credit approval.…

Home Buyer Radio

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

3 years yang lalu2:22

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 616-931-4629 or online at https://www.danmoralez.com . Dan Moralez NMLS#709729 Equal Housing Lender - All loans subject to credit approval.…

Home Buyer Radio

1
HBR 172 - Why Higher Loan Limits Matter 4:38

3 years yang lalu4:38

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 616-931-4629. Dan Moralez NMLS #709729 Equal Housing Lender - All loans subject to credit approval.…

Home Buyer Radio

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

4 years yang lalu6:16

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 www.danmoralez.com or call us at 616-931-4629. Dan Moralez NMLS #709729 VP-Mortgage Loan Officer Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval…

Home Buyer Radio

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

4 years yang lalu8:40

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. We would love to help you. You can find us online at www.danmoralez.com or you can call us at 616-931-4629. Dan Moralez NMLS #709729 VP-Mortgage Loan Officer Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval…

Home Buyer Radio

1
HBR 169 - Collections & Credit Utilization 7:20

4 years yang lalu7:20

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 it. We lend nationwide and can provide you with the expert guidance you deserve. You can find us online at www.danmoralez.com or call us at 616-931-4629. Dan Moralez NMLS #709729 VP-Mortgage Loan Officer Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval…

Home Buyer Radio

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

4 years yang lalu7:32

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.danmoralez.com or feel free to call us at 616-931-4629. Dan Moralez NMLS #709729 VP-Mortgage Loan Officer Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval…

Home Buyer Radio

1
HBR 167 - Should You Buy a Home Now? 10:35

4 years yang lalu10:35

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, we can help you nationwide. Feel free to reach out to my team at www.danmoralez.com or at 616-931-4629. Dan Moralez NMLS #709729 VP-Mortgage Loan Officer Northpointe Bank Equal Housing Lender - All Loans Subject to Credit Approval…

Home Buyer Radio

1
HBR 166 - The 4 C’s of Credit - Collateral (What is Your Home Worth) 13:26

5 years yang lalu13:26

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 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…

Home Buyer Radio

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

5 years yang lalu11:02

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 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…

Home Buyer Radio

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

5 years yang lalu8:09

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 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…

Home Buyer Radio

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

5 years yang lalu6:02

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 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…

Home Buyer Radio

1
HBR 162 - Mortgage Credit Certificates 7:25

5 years yang lalu7:25

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

Home Buyer Radio

1
HBR 160 - Mortgage Shopping 11:38

5 years yang lalu11:38

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 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…

Home Buyer Radio

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

5 years yang lalu5:59

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 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…

Selamat datang di Player FM!

Player FM memindai web untuk mencari podcast berkualitas tinggi untuk Anda nikmati saat ini. Ini adalah aplikasi podcast terbaik dan bekerja untuk Android, iPhone, dan web. Daftar untuk menyinkronkan langganan di seluruh perangkat.