Dan's Michigan Mortgage Blog

Mortgage and Lending - Northpointe Bank - NMLS #709729 - NMLS #709729
Industry veteran Dan Moralez provides the latest updates on whats happening in the mortgage world. Reading this blog will help you know more than the lender you are probably working with now.



I received notice today from our local USDA Rural Housing office that the USDA plans to have exhausted their current allocation of fund by April of 2010.  No big deal, right? Yes, this time it is a big deal.   As a bank, in previous occasions when the USDA has run out of funds, we have continued ...
Your probably thinking who is still building a home in today's world. Truth is as we head into spring we have seen a sharp increase in those looking to build a new home. What we have discovered is many lenders have abandoned the market or have raised down payment requirements significantly. In th...
Some of your clients who have been thinking they need to sell, but can't because they are upside down and do have the ability to repay their mortgage may benefit from the HARP-Home Affordable Refinance Program. Don't confuse this with the HAMP-Home Affordable Modification Program. They are two se...
Ever wonder why rates vary so much from client to client? In this video I breakdown some of the secrets behind what goes into determining a clients interest rate. Enjoy!

Dan Moralez

Grand Rapids & Holland, Michigan Mortgage Lending
local_phone(616) 931-4629
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