Israel Munoz Home Loans

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Israel Munoz Home Loans https://bit.ly/3dKGuae

You see "7/6 ARM" on a rate sheet and your brain just skips over it.I get it. Those numbers look like a code. Let me bre...
10/09/2026

You see "7/6 ARM" on a rate sheet and your brain just skips over it.

I get it. Those numbers look like a code. Let me break it down for you.

The first number is how long your rate stays fixed. On a 7/6 ARM, that's seven years. During that time, the rate doesn't move. It behaves just like a fixed-rate loan.

The second number is how often the rate can adjust after that. The "6" means every six months, once that fixed period is up.

You might also see older labels like 5/1 or 7/1 ARMs. The "1" meant the rate adjusted once a year. The industry shifted to the six-month cycle a while back, which is why you see that "6" today.

So when someone shows you a 7/6 ARM, the real question is: do you need your rate stable for seven years or longer? If you're planning to sell or refinance before then, it might be worth a closer look. If you're staying long-term, a fixed rate is probably the simpler call.

Neither is always the right answer. It depends on your situation.

¿Tienes preguntas? Te explico todo con calma, en inglés o en español. 🏠 Escríbeme cuando quieras.

Equal Housing Lender · NMLS #103098
Not a commitment to lend. Subject to credit approval.

Did anyone ever actually show you FHA and conventional side by side, or did they just pick one and run with it?A lot of ...
10/05/2026

Did anyone ever actually show you FHA and conventional side by side, or did they just pick one and run with it?

A lot of buyers I talk to never saw the comparison. Someone handed them one number and said go, sin explicar nada. No idea if there was a better fit for their situation.

When someone comes to me, I run both paths. FHA and conventional, right next to each other. Different down payments, different mortgage insurance, different monthly costs. You see the real difference, and you decide.

Sometimes FHA is the right call. Sometimes conventional is closer than people expected. Either way, you deserve to see las dos opciones, not just whichever one was easiest to explain.

Tell me in the comments: did anyone walk you through both when you were buying?

Equal Housing Lender. NMLS #103098.

A lot of families ask me: Israel, when should we start looking?Aquí en West Michigan, the answer depends on what you're ...
10/01/2026

A lot of families ask me: Israel, when should we start looking?

Aquí en West Michigan, the answer depends on what you're ready for.

Spring through early summer, April into June, is when inventory peaks. More homes, more options. But more competition too. A well-priced home in Kent County can draw multiple offers quickly. If you want choices, this is the season, but you need to be pre-approved and ready to move.

Late fall and winter are different. Fewer listings, yes, but fewer buyers competing for them too. Sellers tend to be more open to negotiating, and closings move faster. It can be a good time for la familia to take a breath and buy without the rush.

Neither season is wrong. It's about knowing what you're walking into.

If you're thinking about buying, I'd love to talk through the timing with you. Hablamos, en inglés o en español. Just send me a message.

Equal Housing Lender. NMLS #103098.

What time of day do you actually pick up the phone?I ask because every form we use at Priority Home Mortgage asks exactl...
09/23/2026

What time of day do you actually pick up the phone?

I ask because every form we use at Priority Home Mortgage asks exactly that. Morning, afternoon, evening? We write it down and we use it.

And if I call and miss you, I'm not leaving one voicemail and moving on. I call back. Porque sé que tienes trabajo, you've got family, life is full. One missed call shouldn't cost you a conversation that matters.

It's a small thing. But to me it says everything about how we want to treat the people we work with.

What's your window? Tell me in the comments.

Equal Housing Lender. NMLS #103098.

There's a pride that's hard to put into words when I look at what the Latino community has built here in West Michigan.T...
09/15/2026

There's a pride that's hard to put into words when I look at what the Latino community has built here in West Michigan.

This month, we celebrate Hispanic Heritage Month. For me, it's personal. I grew up in this community. I see families who work hard every day and dream of a home where the kids have space to grow, where Sunday meals bring everyone together, where roots go deep. Ese sueño es real. That dream is real.

Homeownership is one of the most meaningful ways a family plants those roots. I became a loan officer because I want to walk families through that process. Patiently, respectfully, en español when that's what you need. Con confianza.

To my community, mis vecinos, my family, my friends: thank you. I'm proud to be part of what we're building here together.

¿Tienes preguntas? Escríbeme.

Equal Housing Lender | NMLS #103098

"If one lender said no, they all will." Eso es lo que mucha gente cree. And I understand why.A lot of the time, what act...
09/15/2026

"If one lender said no, they all will." Eso es lo que mucha gente cree. And I understand why.

A lot of the time, what actually happened is this: the lender's own internal rules said no. Not Fannie Mae. Not Freddie Mac. The lender added extra requirements on top of what the agencies actually require. Higher credit score minimums, stricter debt limits, more reserves. These are called overlays. And they're not government rules. They're that particular lender's rules.

Priority Home Mortgage doesn't add those. If your file meets Fannie Mae or Freddie Mac guidelines, I'm not layering a harder bar on top. I work from the actual agency guidelines, not a tighter internal version.

That's why a buyer who got a no somewhere else sometimes gets a yes here.

The myth sticks because most people never hear the word "overlay." They just hear no, walk away, and assume it's the final answer.

It might not be.

Not sure which situation applies to you? Message me or escríbeme. Happy to look at your real numbers, en inglés o en español.

Equal Housing Lender. NMLS #103098.

"No calificas aquí" is not the last word.When a family comes to me after hearing that somewhere else, the first thing I ...
09/03/2026

"No calificas aquí" is not the last word.

When a family comes to me after hearing that somewhere else, the first thing I do is look at what programs we actually carry. At Priority Home Mortgage, we hold one of the largest portfolios of non-QM and alternative programs in the region. Bank statement loans, ITIN options, asset-based programs. Things a big bank or a smaller shop often just does not have access to.

Here is the part most people do not know: non-QM guidelines are not the same everywhere. Each lender sets their own. So a loan that gets declined in one place may fit somewhere else, not because we bent a rule, but because the rules themselves are different from lender to lender. The depth of the shelf is what matters.

What I am doing on my side is going through that shelf carefully. Reading the actual guidelines, not just going off a quick answer. That takes a real conversation about your full picture. Pero vale la pena. It is worth it.

"You don't fit the box" is often the start of the question, not the end of it.

That is the part we handle. Call me if you want to see it up close.

Equal Housing Lender | NMLS #103098

"We want to buy a home, but we don't even know where to start."That's what I hear from a lot of families. And honestly, ...
08/26/2026

"We want to buy a home, but we don't even know where to start."

That's what I hear from a lot of families. And honestly, it makes complete sense. No one hands you a guide to how this works. Especially not in Spanish.

So let me be that guide.

Here's what the process actually looks like, paso a paso:

We start with a real conversation. Tell me about your income, your savings, your goals. I'll tell you honestly what I see, no sugarcoating.

Then I help you get pre-approved, la pre-aprobación. That's the document that shows sellers you're serious. I'll walk you through every piece of paper and explain why it matters.

From there, we move through the loan together. Questions come up. Things feel confusing. You call me. I pick up.

And on closing day, el día del cierre, you walk away with keys.

That's it. Step by step, clear and calm. In English or en español, however you and your family are most comfortable.

¿Tienes preguntas? Escríbeme o llámame. No pressure, just an honest conversation about where you're at and what's possible.

Equal Housing Lender. NMLS #103098

One of the biggest things that stops families from even asking about buying a home is this idea: "We need 20% down first...
08/18/2026

One of the biggest things that stops families from even asking about buying a home is this idea: "We need 20% down first."

I hear it all the time. Y lo entiendo. When you grow up watching your parents save every dollar, the thought of coming up with $40,000 or $50,000 before you can even start feels impossible. So you put the dream on hold.

Here's what I want you to know: 20% down is a myth for most buyers today.

There are loan programs with down payments as low as 3%, 3.5%, or even zero, depending on your situation. That doesn't mean there are no costs upfront. There are closing costs and other things to plan for. But the "20% or nothing" idea keeps a lot of families from a conversation they could have had years earlier.

Tu primera casa might be closer than you think. 🏡

If you're wondering whether you could actually do this, whether your income, your credit, your savings are enough to even start a conversation, I'd love to look at your real numbers together. En inglés o en español, con calma, sin presión.

Message me or give me a call. ¿Tienes preguntas? Escríbeme.

Israel Munoz
Priority Home Mortgage
Equal Housing Lender | NMLS #103098



Not a commitment to lend. Subject to credit approval.

A lot of families think they need 20% down before they can even start thinking about buying a home. 🏠I hear that all the...
07/30/2026

A lot of families think they need 20% down before they can even start thinking about buying a home. 🏠

I hear that all the time. And I get it, porque eso es lo que siempre nos han dicho, right? That's just what we've always been told.

Here's what's actually true: many first-time buyers put down much less than 20%. Some loan types allow as little as 3% or 3.5% down. That's a real difference when you're juggling rent, groceries, and everything else la familia needs month to month.

The 20% idea comes from an older time, and it just stuck around. Putting more down does lower your monthly payment, and it can help you avoid PMI (private mortgage insurance, a monthly fee some buyers pay when they put less than 20% down). But it is not the only path. It is not even the most common path for first-time buyers today.

If you have been waiting until you have "enough saved," it might be worth looking at your real numbers first. You could be closer than you think.

That is what I am here for. I would love to sit down with you, look at your actual situation, and walk you through what the options look like, en inglés o en español, con calma, sin presión.

¿Tienes preguntas? Mándame un mensaje. No rush, no pressure, just honest answers.

Equal Housing Lender. NMLS #103098

Not a commitment to lend. Subject to credit approval.

Address

3333 Grand Ridge Drive #B
Grand Rapids, MI
49525

Telephone

+16167067590

Website

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