Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About David
Using 20+ years of mortgage experience, David has quickly become a trusted lending partner among clients and industry associates. He actively goes out of his way to provide exceptional hands-on experience and prides himself on product and process knowledge of all things mortgage, making every effort to source the best loan for each borrower’s needs. His top priority with every single client is communication.David strives to return every call and email within 4 hours-- not the standard 24.
David originally joined the industry out of his desire to guide people to first achieve their dream of home ownership and help them as they move up and start investing in real estate. Years later, David still enjoys helping others achieve their homeownership goals. Taking part in his borrowers’ most important financial decision is what drives him to do his best each day.
Outside of the office, David enjoys watching English soccer and he plays himself a few times a week! His community involvement includes giving back to the community by volunteering with his children at Sacred Heart in San Jose, helping families in need. As well as fixing homes with Habitat for Humanity to assist people in need. You can find David at the Walnut Creek branch. Please contact him for any of your mortgage financing needs!
CA LIC# CA-DFPI359663
Mortgage Education Videos
Reviews
9 Reviews
-
05/12/2020
isad3 from San Jose , CA via Zillow
I’ve worked with David multiple times now, and this last one was just the past few months. He’s always been so professional and friendly to work with. He’s also so compassionate and always go above and beyond when working with me. You won’t feel like it’s just “business”. I’m so grateful to have worked with David multiple times now, and will always recommend him. Always!
-
09/13/2019
kevinyamahata from San Jose , CA via Zillow
David was very communicative during the whole process and got everything completed in a timely manner. He did an excellent job and I would highly recommend.
-
09/12/2019
ave1010 from San Ramon , CA via Zillow
David Daniel and team were amazing. Always kept me informed of the progress of my loan. The only bank the was able to qualify me without charging me any outrageous fees. The process was pretty painless. Highly recommended.
-
09/12/2019
touraj abedi from San Jose , CA via Zillow
David is a work and manners are extremely professional and great person to work with. He was always there to answer any question that I had and explained the load process at each step.
-
11/09/2018
M. Lam from Albany , CA via Zillow
Professional, smart, responsive, results-oriented -- what more could I ask for? David took care of me, explained my options clearly, and made the process so smooth I wish I had reason to just keep borrowing away, just to have the chance to keep working with him.
-
10/08/2018
Rahul from San Jose , CA via Zillow
Early in the year, we were just looking at houses more out of curiosity than an intent to purchase. We came across one that we really liked and wanted to put in an offer. However, we were not pre-approved, didn't have much of an idea what we were getting into, and the offer was due in two days! In stepped David Daniel. Over the next two days, he brought us up to speed on home-buying, the process and financials, got us pre-approved, set us up with a real-estate agent and helped us put in an offer just in time. We did not get the house (that'd be too lucky, especially in the Bay Area market). On the other hand, we started looking to buy a house seriously and David Daniel helped us quite a bit along the way. His advice, corroborated through other sources, guided us through the process and we finally closed on a purchase at the end of spring. Through the entire process, we found David to be very helpful, trustworthy and responsive to our requirements and constraints. With that, we would recommend David Daniel if you are in the market for a mortgage.
-
05/03/2018
mstehrani from Los Gatos , CA via Zillow
I have used David for buying and refinancing properties multiple times over the last few years. He has been able to get loans done in situations where without exaggerations at least four other agents attempted and failed. He knows the industry well, and has a great way to push through the bureaucracy of lenders to get things done. I will work with him in the future whenever I can.
-
05/01/2018
nada1528 from San Jose , CA via Zillow
Long story short. We've just buy our first home in San Jose. David was professional and kind. He answered the questions quickly and willing to communicate between buyer and bank. Since it was our first buying house, we've asked tons of questions and need to prepare lots of paper works. Finally, we made it our first dream house in San Jose. Really thanks David and highly recommend for you guys.
-
04/23/2018
Amisha Kizhakkedathu from Sunnyvale , CA via Zillow
I worked with David Daniel/Bank of America for my recent home purchase in Cupertino, CA. I met him at an open house. My initial 10 min conversation with him was sufficient to know the depth of his knowledge. Working with loan officers who has the in-depth knowledge of under-writing means we can draft non-contingent offers with confidence, which is what I did, and I won the offer. Throughout the loan process, David went above and beyond working with me, my realtor, escrow officer, and under-writer to coordinate the loan process for a timely close of escrow. He is exceptionally diligent and proactive. I want to give him Googleplex (infinite number) stars for his extraordinary performance.
Calculators
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Use this mortgage loan calculator to generate a mortgage estimate. Press the "Calculate" button to find out.
Use this mortgage loan calculator to generate a savings estimate. Press the "Calculate" button to find out.
Contact David
