# David The Mortgage Guy


## Pages

- [Rent vs Buy Cost Calculator](https://davethemortgageguy.loans/rent-vs-buy-cost-calculator-2/)
- [Cash to Close Estimator](https://davethemortgageguy.loans/cash-to-close-estimator/)
- [Purchase](https://davethemortgageguy.loans/purchase/)
- [Refinance](https://davethemortgageguy.loans/refinance/)
- [Blog](https://davethemortgageguy.loans/blog/)
- [Thank You](https://davethemortgageguy.loans/thank-you/): Thank You! 🎉 We’ve received your information, and we’re excited to help you explore your home loan options!
- [Compare Mortgage Options](https://davethemortgageguy.loans/compare-mortgage-options/)
- [VA Home Loans](https://davethemortgageguy.loans/va-home-loans/): Use Your VA Benefits with Confidence VA Home Loans VA home loans may offer $0 down, competitive rates, and no monthly mortgage insurance for eligible veterans and military families. Get clear guidance from pre approval to closing, plus support for purchases, refinancing, and VA construction options. Purchase Refinance VA Home Loans What Are VA Home Loans? VA home loans are mortgage programs for eligible veterans, active duty service members, and some surviving spouses. VA loans may offer $0 down, competitive interest rates, and no monthly mortgage insurance, making homeownership more affordable. They are designed for primary residences and support purchases, […]
- [USDA Loans](https://davethemortgageguy.loans/usda-loans/): Affordable Homeownership in Rural Communities! USDA Loans The USDA loan program makes homeownership more accessible by offering zero down payment mortgages for eligible rural and suburban homebuyers. With low interest rates, flexible credit requirements, and reduced mortgage insurance costs, USDA loans provide an affordable path to buying a home. Find out if a USDA loan is right for you! Purchase Refinance USDA Loans What Are USDA Loans? USDA loans are government-backed mortgages designed to help low- to moderate-income borrowers purchase homes in eligible rural and suburban areas. These loans are issued by approved lenders and guaranteed by the U.S. Department of Agriculture (USDA), offering affordable financing with no down payment. Who Can […]
- [Self-Employed Borrowers](https://davethemortgageguy.loans/self-employed-borrowers/): Mortgages Built for Business Owners Self-Employed Mortgages Qualify with financing designed for real world income. Self employed mortgage options may use tax returns, bank statements, or alternative documentation to help business owners and entrepreneurs secure competitive terms with a clear, step by step process. Purchase Refinance Personalized Mortgage Solutions for Self-Employed Borrowers What Are Self-Employed Mortgage Solutions? Self employed mortgage solutions are home loan options designed for borrowers whose income comes from business ownership, freelance work, or commissions. These programs may use tax returns, bank statements, or alternative documentation to verify income. The goal is to qualify based on real […]
- [Reverse Mortgage](https://davethemortgageguy.loans/reverse-mortgage/): More Flexibility in Retirement Reverse Mortgage A reverse mortgage may help eligible homeowners age 62 or older access home equity as cash without required monthly mortgage payments. Explore options like a line of credit or monthly payments with clear guidance and a plan built around your long term goals. Get Started Reverse Mortgage What Is a Reverse Mortgage? A reverse mortgage is a loan for eligible homeowners age 62 or older that converts home equity into cash while you keep ownership of the home. In many cases, no monthly mortgage payments are required, though interest and fees accrue over time. […]
- [Renovation and Construction Loans](https://davethemortgageguy.loans/renovation-and-construction-loans/): Build or Renovate Your Dream Home with the Right Financing! Renovation and Construction Loans Whether you’re building a new home from the ground up or renovating an existing property, Renovation and Construction Loans provide the funding you need. These specialized loans cover materials, labor, and other construction costs, offering flexible financing options to turn your vision into reality. Purchase Refinance Renovation and Construction Loans What Are Renovation and Construction Loans? Renovation and construction loans are designed to finance the cost of home improvements, remodeling, or new home construction. These loans allow homeowners and buyers to upgrade, repair, or build properties with structured financing that releases funds in […]
- [Refinance Loans](https://davethemortgageguy.loans/refinance-loans/): Lower Rates, Better Terms, More Savings! Refinance Loans Looking to lower your mortgage rate, reduce monthly payments, or access home equity? Refinancing allows homeowners to replace their current mortgage with a new one, helping to save money, shorten loan terms, or tap into home equity. Explore your refinancing options today and take control of your financial future! Purchase Refinance Refinance Loans What Is Mortgage Refinancing? Refinancing replaces your current mortgage with a new loan that offers better terms, lower interest rates, or access to home equity. Homeowners refinance to reduce payments, switch loan types, or pay off their mortgage faster. Who Can Benefit from a Refinance […]
- [Non QM Loans](https://davethemortgageguy.loans/non-qm-loans/): Flexible Mortgage Solutions Beyond Traditional Limits! Non-QM Loans For borrowers who don’t fit conventional lending guidelines, Non-Qualified Mortgage (Non-QM) loans offer flexible solutions. Whether you’re self-employed, have complex income sources, or need alternative loan terms, Non-QM loans provide financing options that traditional mortgages may not. Find out how a Non-QM loan can help you achieve homeownership today. I’m looking to purchase I’m looking to refinance Non-Qualified Mortgage (Non-QM) Loans What Are Non-Qualified Mortgage (Non-QM) Loans? Non-QM loans are mortgages that do not follow standard Qualified Mortgage rules but are still fully underwritten. They are designed for borrowers with non-traditional income, such […]
- [Jumbo Loans](https://davethemortgageguy.loans/jumbo-loans/): Higher Loan Limits, Bigger Opportunities! Jumbo Home Loans Jumbo home loans are designed for properties that exceed conventional loan limits and may offer flexible terms with competitive financing for qualified buyers. Get clear guidance on requirements, documentation, and loan options from pre approval through closing. Purchase Refinance Jumbo Loan Programs What Are Jumbo Loans? Jumbo loans are mortgages that exceed conforming loan limits set by the Federal Housing Finance Agency. These home loans are used to finance higher value properties and may offer competitive rates for qualified borrowers. Jumbo financing typically requires stronger credit, documented income, and larger assets, and […]
- [ITIN Loans](https://davethemortgageguy.loans/itin-loans/): Homeownership Without a Social Security Number! ITIN Loans If you don’t have a Social Security Number but want to buy a home, ITIN loans provide a pathway to homeownership. These mortgage programs are designed for foreign nationals, non-U.S. citizens, and individuals with an Individual Taxpayer Identification Number (ITIN). Flexible qualification requirements and alternative income verification make homeownership possible. Explore your ITIN loan options today! Purchase Refinance ITIN Loans What Are ITIN Loans? ITIN loans are mortgage programs designed for non-U.S. citizens and foreign nationals who do not have a Social Security Number but have a valid Individual Taxpayer Identification Number (ITIN). These loans offer financing for […]
- [Investment Property Financing](https://davethemortgageguy.loans/investment-property-financing/): Build Wealth Through Smart Real Estate Investments! Investment Property Financing Looking to expand your real estate portfolio? Investment property loans provide financing options for rental homes, multi-unit properties, and short-term rentals. With competitive rates, flexible loan structures, and financing tailored for investors, you can build wealth through real estate. Let’s explore the best financing solutions for your investment goals! Purchase Refinance Investment Property Financing What Is Investment Property Financing? Investment property financing provides mortgage options for buyers looking to purchase rental properties, vacation homes, or multi-family units. These loans are designed for real estate investors who generate income through rental properties or property […]
- [HELOC](https://davethemortgageguy.loans/heloc/): Flexible Access to Your Home Equity HELOC | Home Equity Line of Credit Unlock the financial flexibility of your home’s equity with a Home Equity Line of Credit (HELOC). This revolving credit line allows you to borrow funds as needed for home improvements, debt consolidation, major expenses, or unexpected costs. With flexible repayment options and competitive interest rates, a HELOC provides financial freedom without selling your home. Purchase Refinance HELOC | Home Equity Line of Credit What Is a HELOC? A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. Unlike a traditional loan, a HELOC […]
- [First-Time Homebuyer / DPA Loans](https://davethemortgageguy.loans/first-time-homebuyer-dpa-loans/): Making Homeownership More Affordable! First-Time Homebuyer / DPA Loans Buying your first home? Down Payment Assistance (DPA) programs help lower upfront costs with grants, forgivable loans, and flexible mortgage options. Whether you’re struggling to save for a down payment or looking for a more affordable way to buy a home, we can help you find the right program. Get started today! Purchase Refinance First-Time Homebuyer / DPA Loans What Are First-Time Homebuyer / DPA Loans? First-time homebuyer and down payment assistance loans help qualified buyers reduce upfront costs and achieve affordable homeownership. These programs offer low down payments, flexible guidelines, […]
- [FHA Home Loans](https://davethemortgageguy.loans/fha-home-loans/): Affordable Paths to Homeownership FHA Home Loans Low down payments and flexible credit guidelines designed to help first-time buyers and growing families achieve affordable homeownership with confidence and long-term stability. Purchase Refinance FHA Home Loans What Are FHA Home Loans? FHA home loans are mortgages insured by the Federal Housing Administration. Because the loan is government backed, lenders can offer more flexible qualification guidelines and lower down payment options than many conventional loans. FHA loans are typically used for primary residences and are especially common for first time buyers or borrowers rebuilding credit who want a clear path to homeownership. […]
- [Conventional Home Loans](https://davethemortgageguy.loans/conventional-home-loans/): Flexible Financing You Can Trust Conventional Home Loans Competitive rates and flexible terms for buyers and homeowners with strong credit, ideal for primary residences, second homes, and investment properties. Find the right conventional loan to fit your goals and long-term plans. Purchase Refinance Conventional Home Loans What Are Conventional Home Loans? Conventional home loans are mortgages not insured by a government agency and typically follow guidelines set by Fannie Mae and Freddie Mac. They are popular for their flexibility, competitive rates, and wide range of options for buyers and homeowners with good credit. These loans can be used for primary […]
- [Cash-Out Refinance](https://davethemortgageguy.loans/cash-out-refinance/): Turn Your Home Equity Into Cash! Cash-Out Refinance A Cash-Out Refinance allows homeowners to tap into their home equity and receive cash for home improvements, debt consolidation, investments, or other financial needs. By refinancing your mortgage for more than you owe, you can access lump-sum funds while securing a new loan with potentially better terms. Find out how a cash-out refinance can help you achieve your financial goals today! Purchase Refinance Cash-Out Refinance What Is a Cash-Out Refinance? A cash-out refinance replaces your existing mortgage with a new, larger loan, allowing you to withdraw the difference in cash. This option helps homeowners access home equity without selling their home or taking out […]
- [Bank Statement Loans](https://davethemortgageguy.loans/bank-statement-loans/): Qualify Using Real Cash Flow Bank Statement Loans Bank statement loans may help self employed borrowers qualify using 12 to 24 months of bank deposits instead of tax returns. Get a clear, step by step process and flexible documentation options designed to match how you actually earn income. Purchase Refinance Bank Statement Loans What Are Bank Statement Loans? Bank statement loans are mortgage programs that allow borrowers to qualify using bank deposits instead of traditional tax returns. They are designed for self employed borrowers, business owners, and entrepreneurs whose write offs reduce taxable income. Lenders review 12 to 24 months […]
- [Adjustable-Rate Mortgages](https://davethemortgageguy.loans/adjustable-rate-mortgages/): Lower Initial Rates, Flexible Terms, and Smart Home Financing! Adjustable-Rate Mortgages (ARM) An Adjustable-Rate Mortgage (ARM) offers an initial fixed-rate period followed by periodic interest rate adjustments. With lower introductory rates compared to traditional fixed-rate loans, ARMs can provide significant savings for homebuyers planning to move, refinance, or pay off their mortgage before the rate adjusts. Learn how an ARM could be the right financing option for you. Purchase Refinance Flexible Financing with Adjustable-Rate Mortgages What Is an Adjustable-Rate Mortgage? An Adjustable-Rate Mortgage (ARM) is a type of home loan where the interest rate remains fixed for an initial period, […]
- [NQM Home Loans](https://davethemortgageguy.loans/nqm-home-loans/): Flexible Financing for Unique Borrowers NQM Home Loans – Tailored Solutions for Every Home Buying Journey Discover the freedom of Non-Qualified Mortgage (NQM) Home Loans. Designed for borrowers with unique financial situations, these loans offer flexible, personalized solutions when traditional options fall short. At Wise Home Lending, we simplify the process to make your homeownership dreams a reality. Purchase Refinance NON-QUALIFIED MORTGAGE (NQM) LOANS – FLEXIBLE SOLUTIONS FOR UNIQUE BORROWERS UNDERSTANDING NON-QUALIFIED MORTGAGE LOANS Non-Qualified Mortgage (NQM) loans are designed to help borrowers who don’t meet the strict requirements of traditional mortgages. These loans offer flexibility for individuals with unique […]
- [Home](https://davethemortgageguy.loans/): Dave the Mortgage Guy Ditch the Landlord Clear Mortgage Guidance Without the Confusion. With access to 100+ lenders and years of experience, I help you understand your options and choose the right mortgage with confidence. David Martel Mortgage Loan Originator NMLS# 2521668 Schedule A Call We’ll review your goals together and build a plan to make them a reality. Client Testimonials You Can Trust Discover why clients choose Dave Martel for their mortgage needs. Your Path to Homeownership Starts Here Explore Home Loan Options Tailored To Your Needs From first-time homebuyers to seasoned investors, we offer a wide range of […]
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- [Mortgage Calculator](https://davethemortgageguy.loans/mortgage-calculator/)
- [test](https://davethemortgageguy.loans/test/): Mortgages Made Simple Finding the perfect mortgage shouldn’t be complicated. Whether you’re buying, refinancing, or investing, we offer competitive rates and expert guidance to help you achieve your goals—without the hassle. Let’s make your home financing journey smooth, simple, and stress-free! I’m looking to purchase I’m looking to refinance Chris Optiseo Mortgage Broker NMLS #123456 DRE #0123456 Consultation 940-623-2732 Apply Now chris@optiseo.ai Simplifying Home Financing Whether you’re buying a home, refinancing, or investing, I’m here to help. As an experienced Mortgage Advisor with Arbor Financial, I provide clear guidance and loan options tailored to fit your needs. Let’s make the […]

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