David works the hardest arithmetic in Southern California lending: getting first-time and first-generation buyers into one of the most expensive markets in the country. He screens CalHFA assistance, FHA flexibility and lender credits against each other and shows the borrower the total cost of each path, not just the monthly payment.
A first-generation homeowner himself, he teaches the buyer workshops he wishes had existed when he started, using real Loan Estimates rather than slides.
He answers the same question in writing every time it is asked, because a borrower should be able to reread the answer at midnight.
In their words
The paperwork is confusing on purpose. My job is to put the numbers back in an order you can read.
↑↓ move↵ openEsc closeRate figures are illustrative
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