"After 12 years and hundreds of families, I became a broker for one reason: so I could shop every lender and actually get you the best fit — not just sell you what one bank offers."
With 12 years in the industry, David has seen how the big banks work — good people talked down to, left on read, and pushed into whatever loan that one institution happened to offer. So he became an independent broker: now he shops multiple lenders and credit unions to find the loan that actually fits you.
From first-time buyers who don't know where to start, to homeowners refinancing for a lower payment, to families who want to renovate without giving up their low first-mortgage rate — David walks every client through it in plain English. No jargon. No runaround. Just a straight path to the keys.
Powered by RenoFi's renovation underwriting, David and Holm Loans have helped buyers and homeowners get into the right loan at the right time — and they keep the same energy from "just curious" to "just closed."
