I offer loans to my clients as if I were doing them for myself - same low rate, cost, and trouble-free service.
I have been a professional financial officer for more than 35 years. During that time, I have helped businesses and individuals obtain loans appropriate for their needs. Since 1994, I have specialized in residential loans working both as a mortgage broker and, more recently, as a loan officer with HomeStreet Bank.
The mortgage industry is continually changing with new federal regulations and industry guidelines. The mortgage process can seem complicated at times. I attempt to help my clients understand that process and the various factors impacting loan eligibility, including credit scores, rate pricing and documentation. I believe that my clients want to understand these factors, and to be able to effectively compare different loan options.
My business is dependent upon referrals from my past clients based on their degree of satisfaction with my services. I am willing to spend additional time to ensure that my clients are well informed and prepared for the closing of their loans. I frequently schedule appointments after normal hours and on weekends to accommodate the busy schedules of my clients. I always attempt to maintain contact through newsletters, emails and telephone calls. Many of my clients consider me a financial counselor.
My goal is that your decision to work with me will hopefully result in additional mortgage client referrals from you. That will only happen if you receive the lowest possible interest rate, the lowest possible loan costs, and the greatest possible service.
"David Nugent is a wealth of smart financial information. His objective (no-nonsense) approach helps the loan process to be very straightforward with clear expectations. He got me the best deal out there!!! David has gone out of his way to educate me on how the loan process works, as I was the first-time homebuyer. I have recommended quite a few of my friends already and he would undoubtedly be my loan officer for my future investments as well."
- Sreenath, Client
"It has been an absolute pleasure! I will refer to you as much as I can. Thank you for all your updates and communication. I look forward to working with you again."
- Lynne, Realtor
"We closed a renovation loan with Dave in 2012. Recently, he helped us solve an insurance problem. Due to his involvement, we avoided paying hundreds of dollars. Dave spent time advocating for us as he stated: “You are my customers for life”. What a guy to have on your side!"
- Anita & Ian, Clients
"I have to say that you have been one of the best lenders I have worked with. I hope to do more business with you. If you ever have any refinance business in Arizona, please keep me in mind."
- Kathy, Escrow Officer
"Your files are nice and clean with no issues and it is very refreshing to have on my end. I see a lot of files that come over not completed. This file was so clean, we got 100% on QA so that’s huge."
- Annette, Funder
"I’ve been very impressed with your communications during this transaction! Thanks so much for helping make it a smooth one."
- Nancy, Managing Broker