David Dorman

As a Mortgage and Financial Professional, my goal is clear: I'm dedicated to solving my clients' problems!

Those problems include helping my clients achieve their mortgage-related goals and getting their retirement, savings, or debt issues in order and under control. No problem is too big! I truly thrive on challenges. We work with credit-challenged clients frequently and generate outcomes that even surprise them by utilizing our technology and invaluable resources for credit repair. Being a Wholesale Direct Lender, we have unsurpassed flexibility in our lending, and the ability to help those with the most difficult and unique scenarios. Whether you have a 500 FICO, no score, or an 850, we can help! Have a recent credit event? Don't be worried, I WILL help you get through this every step of the way. Basically, you could say that I'm the "go-to" resource for solving problems, and I'm constantly providing my clients with helpful advice, direction, and value-added services - because that's what they expect from me, and it's what I expect from myself! And just as importantly, I never "diagnose and prescribe" solutions for my clients leaving them confused, anxious, and unsure of what's going on. Instead, I educate, empower, and enable my clients every step of the way. I want them to be involved in the problem-solving process and feel that they're part of the team - and of course, have FUN at the same time! On a personal note, I grew up in Apple Valley and currently reside in Ramsey. I enjoy spending my free time with my amazing wife, 5 incredible children, and our wild dog Zeus. I also take in some golf, fishing, bicycling, and watch our local pro teams break our hearts year after year :-)

Some highlights of what we offer:

- FREE Application

- FAST and EASY Pre-approval process

- 1% Down Payment option for Conventional Financing

- Credit scores down to 500 (no score too!)

- Conventional financing 1st-time buyers 3% down with reduced or NO PMI (if qualified)

- VA 100% purchase and cash-out (unlimited LTV % Streamline Refinances and NO income or job needed in most situations.)

- FHA purchase and unlimited LTV % Streamline Refinances. NO credit score required in most situations!

- USDA 100% financing

- AGGRESSIVE Jumbo financing. Up to 90% LTV with NO PMI

- Section 184 Tribal loans. Greatly reduced PMI for those who qualify!

- Loans for borrowers 1 day after BK, Foreclosure, Short-Sale

- Investor options including unlimited properties, no income, collateral-based, no DTI restrictions

- 85% LTV traditional Investment property purchase

- Renovation loans for purchase or refinance

- No junk lender fees

- 100% complete transparency from start to finish

I look forward to working together and being an integral part of your financing needs!