William Morales

Loan Originator / Partner

NMLS# 1010911

William Morales Loan Originator / Partner

Understanding the Differences between Second Homes and Investment Properties

You have probably heard people talk about second homes and investment properties. Or maybe vacation homes and rental properties. They can sometimes be used interchangeably but they actually have very Aug 01, 2023

What’s the Difference Between a Mortgage Co-Borrower and Co-Signer?

When trying to qualify for a mortgage, many homebuyers will apply with a co-borrower or co-signer to make their application stronger. Another person’s income, assets, or credit can sometimes be Jul 27, 2023

6 Mistakes that Home Buyers Should Avoid

With the busiest housing market season of the year in full swing, it’s essential to be on your home buying game. Here are 6 major mortgage blunders to avoid to make sure you are in prime positio Jul 25, 2023

How Often Do Mortgage Rates Change?

When you are ready to buy a house or refinance your existing home loan, getting the best mortgage interest rate is key to minimizing your total borrowing costs. You may have heard in the news lately a Jul 20, 2023

How to Start the Process of Buying a Home

Once you’ve decided you want to become a homeowner you may not know what step to take next. Should you hire a real estate agent? Should you find a lender? Should you start searching real estate Jul 18, 2023

Can Manual Underwriting Help You Get Approved for a Mortgage?

When you apply for a mortgage loan, the bank or lender has to go through the process of underwriting the loan. This means that your financial data will be verified and analyzed to determine if you qua Jul 13, 2023