Originally from New York, I moved to Western Washington in July of 2000. While in New York, I held positions in Investment Banking, Asset Management, Asset Recovery, Financial Planning, and Mortgage Finance.  I'm fortunate to have learned early on the true value of a dollar, and to have learned something else that is equally important; the future value of a dollar that is invested wisely.

If you're like most people, you work very hard for your money.  So why shouldn't your money be working equally as hard for you?  Everywhere I go I meet good people who are not financially prepared for retirement, people who don't have enough money to fund their children's college educations, and people who are losing money to taxes that could have been avoided.

The Rules of Money and Investing have changed.  Selecting the proper mortgage financing can be a crucial decision that can help you minimize your tax burden, pay for your children's education, or in the case of a Reverse Mortgage, help to improve or maintain a standard of living in your retirement years.

I'm driven to help educate people about the New Rules of Money and Investing.  With proper planning and wealth building strategies, I help individuals and families Save More, Earn More, Own More, and ultimately, Live More. 

In retrospect, I don't think that I could have chosen a better time to move, or a better place to live.  The strength of our Western Washington Economy and Real Estate Market has been incredible to say the least.  I really just can't believe the growth that we've seen, and that continues to take place.

I'm proud to call Washington home for myself..

Over the past twelve years of my work in finance, I have helped people in just about every situation imagineable to improve their personal finances.  I know that my clients want, and need more than just a loan officer. This is why I treat each loan that I originate as my own. I am personally involved with each and every transaction.

If I had to choose one area that I specialize in, I would say that I specialize in getting answers quickly.  Real estate finance and investment is something that is always changing.  I rely on my network of Real Estate, Tax, Investment and Insurance professionals to provide the most qualified advice, and the highest level of service to help my clients in developing and achieving their overall financial goals.

Western Washington undoubtedly has a strong local economy, and a stellar housing market.  Because of the combination of high incomes and home prices, we are constantly being targeted and solicited in the media by companies who have little or no knowledge of our market, and who provide little or no ongoing service to us.  Ditech.com, MLS4Owners.com, ETrade.com and Esurance.com all market themselves as discount services, and offer nothing in the way of professional, qualified advice, or ongoing consultation to change with their clients needs. 

Mortgages - The telemarketer in some remote call center on the other side of the country doesn't know if you're saving for your children's college and they won't certainly won't tell you that a 15 year loan is one of the worst possible mortgages you could have.  If you've got the best rate on the worst program, what do you really have?

Real Estate -  The discount real estate sites don't know if your house has a fuel oil tank buried in the back yard that needs to be disclosed, or if your house might be zoned mixed use and has more value as commercial property than a residential property.  They can't find out if that new construction dream home builder just had a failed sale and might be willing to take $50,000 less just to get a home off their books if you can close quickly.  I recently had a couple in tears because their discount agent who had never been to their home had helped them write a contract to sell their home for $36,000 less than what it was worth.  (This was on a $300,000 home, so the margin of error was over 10%!) So the $9000 that they "saved" was more than offset by the $36,000 that they undersold their home for.

Investments - I think that just about every bank has entered the investment account market in recent years.  "No Fee for this account, no fee for that account".  What they should really be saying is "No Qualified Advice for this account".  People's incomes and needs change throughout their lives.  In the past 10 years we've seen both the top and bottom of the stock market.  People need qualified advice to diversify and protect their assets.  You won't find that kind of qualified advice from the same people that are trying to give you a free toaster to open a checking account.

Insurance - Insurance is never a fun topic to talk about, but planning for the long term financial well being of a spouse, children, or other loved ones is often overlooked.  It's commonly thought that life insurance can only serve to benefit others after we pass on.  Well, that's really only part of the picture.  The right insurance products can help you decrease your taxes, generate investment returns in up markets, and even offer a guaranteed rate of return in down markets.  There's a lot more to insurance than just insuring your car and home.

You don't have to win the lottery or invent a software program to become wealthy.  You do have to plan and invest in a way that minimizes your taxes and risk, and maximizes your financial leverage. 

Every day I do my best to find the right loan program to fit my clients' financial plan. I have many options for Self Employed and Commissioned borrowers, Relocation Borrowers, and Real Estate investors. I will get you approved with no hassle and minimal documentation. If I can't approve you, I'll show you exactly what to do to get Approved.  If I can't offer you the best program that I know of, I'll gladly refer you to someone who does.

Contact me today at: 425.953.4009 or by email at davidm@lfgloan.com

"30 Year Fixed Rate Mortgages Suck!, The only people that benefit from them are the Banks...let me show you why.."  Those were the first words that came out of David's mouth when I met him in 2001 at my Boeing Employee benefits fair.  I was following the herd when it came to refinancing to a new 30 year fixed rate mortgage.   I was 48 years old at the time, and the thought of having a mortgage for another 30 years was daunting.  My retirement investments just didn't seem to be building fast enough, and since I'm a single guy with no dependents, I was paying a lot in taxes.  David showed me how an interest-only loan made a lot more sense for me based on my retirement goals.  In 2002, for the first time ever, I was able to reach my maximum 401k and IRA contributions, and reduce the income taxes I paid by almost $3000.  Basically, my mortgage let me pay myself those tax dollars rather than the government.  I'm not worried about paying off my mortgage any more, and there is no doubt in my mind that I will be able to reach my retirement goals now because of the ongoing advice that David continues to provide."  

                                                                                  -  Ray Carlson, Engineering Consultant; Renton, WA