As an independent broker, David Holm shops multiple lenders and credit unions to find the loan that actually fits you — more options, creative solutions, and guidance from someone who's done this over a decade.
First home, dream renovation, lower payment, pulling out equity — whatever the move, there's a loan built for it. Here's the lineup.
Buying your first place or your next one. We get you qualified, pre-approved, and to the closing table.
Lower your rate, drop your payment, or change your term. If the math works, we'll find it.
Borrow against your home's after-renovation value with RenoFi. Fund the remodel without touching your first mortgage.
RenoFiTap your equity for renovations, debt, or whatever's next — without losing your good first-mortgage rate.
Low down payment, no down payment, government-backed. We'll match you to the program you qualify for.
Low downHigher loan amounts and building from the ground up. Big moves get the same straight-talk treatment.
A bank can only offer you the bank's loans. As an independent broker, David works for you — shopping a whole network to find the right fit.
Access to many lenders and credit unions — not a single institution's limited menu. We find who fits your situation best.
Conventional, FHA, VA, USDA, jumbo, renovation, and more — matched to your goals instead of forced into one box.
Self-employed, complex income, been turned down before? Brokers have solutions a single bank simply can't offer.
One person who knows your file start to finish, explains everything in plain English, and actually answers the phone.
Over a decade in the industry and hundreds of families helped into the right home loan. You're in experienced hands.
Apply once. David takes it to his network and brings back your best options — you don't shop lender by lender.
Most lenders only let you borrow against what your home is worth today. RenoFi loans let you borrow against what it'll be worth after the renovation — which means dramatically more borrowing power for the same house.
*A "RenoFi Loan" refers to loans made by third-party lenders using RenoFi's renovation underwriting technology. RenoFi is not a lender. Borrowing limits, rates and terms vary by lender, borrower and project. There is no guarantee your home will increase in value.
No 40-page packets, no jargon, no being left on read. Here's the whole thing.
Buying, refinancing, renovating, or just curious? Two minutes, no credit pull, no pressure.
David builds your file and hands you actual rates, payments, and programs — in plain English.
We handle the lender side and keep you posted the whole way. Most files close in around three weeks.
Holm Loans goes past "good rate." These are the things that put real money back in your pocket at the table.
Qualifying buyers can get lender credits applied straight to closing costs — less cash needed at the table to walk away with the keys.
Found a better offer? We'll work to match it. And if rates drop after you close, ask about our streamlined relock so you're never stuck paying more than you should.
A real, seller-ready pre-approval letter — usually same day. Make offers that actually get taken seriously.
"First home and I had no idea what I was doing. David explained everything like a normal human and got us a rate way better than our bank quoted. Closed early too."
"We wanted a full kitchen and addition but didn't have the equity yet. The RenoFi option let us borrow on the after-value and keep our 3% first mortgage. Game changer."
"We'd been turned down before and David actually fixed the file instead of giving up on us. Two months later we're homeowners. I'll send everyone I know his way."
Two-minute start, no credit pull, no pressure. Let's see what you qualify for today.
Get pre-approved →