Morci Dakhli

Loan Officer

NMLS: 1613184

Recent Articles

Aug
21
2019
Super-Charged Home Loans for First-Time Homebuyers
“I’m buying my first home!” That proclamation is just as exciting and impressive as it is mysterious and overwhelming. Where do you start and which loan programs are made especially for first-time homebuyers? Getting started is a lot easier than you realize....
Aug
14
2019
“I Have Bad Credit. Can I Still Get A Mortgage?”
If you're worried that your credit is too low to get approved for a home loan, you're not alone. Low or bad credit is something that many Americans are facing. But even with poor credit, there is good news! There are government loan programs made for borrowers with lower credit...
Aug
07
2019
The Best Way To Use Your Home Renovation Loan
What’s the best way to use your renovation loan? The easy answer is to invest in projects that will either reduce your costs in the long-run or increase your property value. For example, you can install new insulation, redo the bathrooms, and modernize the kitchen. These...
Aug
01
2019
What to Expect When You're Buying a Home While Selling Your First Home
Do you remember what it was like buying your first home? If it's been several years, you'll be pleasantly surprised at how much easier it is. The days of signing piles of paper and waiting weeks for a decision are over thanks to digital mortgage. But that's not the only thing that will be...
Jul
25
2019
Joint Mortgage vs Joint Ownership: Do You Know The Difference?
Joint mortgages can give you access to more funding for a home mortgage than applying on your own. However, joint mortgage and joint ownership do not mean the same thing. If you're researching how to buy a property jointly, you may also see terms like "joint tenancy" or "tenants in common."...
Jul
17
2019
Mortgage 101: For How Long is My Pre-Approval Valid?
Getting pre-approved for a mortgage puts you at a significant advantage when shopping for a home. A pre-approval letter can sometimes be the key factor that makes a seller choose your offer over another. Since pre-approval is so advantageous, you want to make sure that it's still valid...
Jul
10
2019
Read This Before You Buy A Foreclosure
One popular way to get the most home for your money to buy a foreclosed property. The home loan application is the same as another type of home purchase but there are a few key differences that you need to be aware of. The first thing you need to know is that there are two ways to buy a foreclosure....
Jul
03
2019
Lesser-Known Tricks To Sell Your House --Fast!
Selling your home fast takes more than luck.  It involves thoughtful planning and a few professional tricks that'll help convince homebuyers to make an offer quickly. We asked our real estate agent friends for their best and lesser-known advice on how to sell a home --fast! Here is...
Jun
26
2019
3 Numbers That Matter The Most on Home Loan Applications
There are three numbers that matter the most when it comes to a home loan application. They are your credit score, your debt-to-income ratio, and your loan-to-value ratio. These specific numbers matter because they affect your ability to qualify for a home loan as well as your interest...
Jun
19
2019
Stop! Don't Delay Closing Your Loan With These Mistakes
You found the dream house, got approved for a mortgage at a payment you can afford and are now just waiting to close. Time to take it easy --maybe start shopping for new appliances or even look into taking that new job that's closer to your new home. Stop! Making certain decisions before your...
Jun
12
2019
It Might Be Better To Skip The Starter Home --Here's Why
The typical advice for first time home buyers is to purchase a starter home --that is, the home that's one step away from their larger "forever" home. But is that always the best route to go? With just about 45 million millennials entering the real estate buying age, that's something that's...
Jun
05
2019
The Exciting Possibilities of a VA Cash-Out Refi
If you’re a veteran, you have several options for refinancing --ones that work differently than a streamline refi. With a VA cash-out refi, veterans like you can take out some of the equity and use it however you want. Just like any other big financial decision, you'll want to...
May
29
2019
In the News: Feds Target No-Money-Down Home Loan Programs
Although no specific changes have gone into effect, the U.S. Department of Housing and Urban Development is asking national groups to hold off on lending down payments to FHA home buyers. The reason? Feds say that buyers who don't supply their down payment are at higher risk of defaulting...
May
22
2019
Here's Why Your Home Equity is Your Most Valuable Asset
A simple way to understand what home equity is is to think of it as the portion of your home that you truly own, that is, the value of your home not included in your current home loan. Home equity is what makes homeownership such a great investment. The opportunity to increase equity can be quite...
May
15
2019
What's a Hybrid Loan and How It's Different Than a 30-Year Fixed Loan
Two common mortgage types that you've probably heard of are a fixed-rate and an adjustable-rate mortgage. A fixed-rate mortgage has a set rate for the whole life of the loan while an adjustable-rate mortgage, or ARM loan, usually begins with a lower rate than adjusts to a fixed-rate...
May
08
2019
First-Time Homebuyers: Avoid These Mistakes!
Buying your first home is a thrill. Browsing homes online, daydreaming when driving through neighborhoods, and creating a Pinterest board to save remodeling ideas is great fun. But don't let the excitement of buying your first home cause you to make silly mistakes. Here are the most...
May
01
2019
Housing Market Cools Making it Sizzling Time to Buy
If you’ve been on the fence about buying a home, we have some excellent news for you! Recent changes in the market have made it an ideal time to purchase a home. So what changes have occurred that make us so confident? Bidding wars have gone down significantly, even in the most...
Apr
24
2019
Getting a Home Improvement Loan: Scenario by Scenario
Home improvement loans can be used for minor upgrades or major repairs or even complete remodels. Everything from replacing old plumbing to making your home more energy efficient are great reasons to consider a home improvement loan. With much better rates than a credit card and more...
Apr
17
2019
Neighborhood "Vibes" Matter When Buying A Home
Is your current neighborhood your ideal place to live? Why did you choose that particular area? Maybe it was because of affordability or because it's close to work or because you have family that lives nearby. Another reason is likely because you felt the "vibe" of that neighborhood....
Apr
10
2019
Considering Investing in Real Estate? Here are Five Tips to Know
What's the ultimate form of income? Passive income! And that typically comes in the form of investments. While there are many options, from stocks to funding start-ups, one of the most reliable investments in terms of return lies in real estate. When purchasing an investment...