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!
Why we should work together
David Henderson joined loanDepot in February of 2018, bringing over five years of mortgage experience. He graduated from University of California, Berkeley in 2013 with a Bachelor of Arts in Political Economics. His experience includes four years in a Loan Consultant capacity at Wells Fargo. He is a member of the California Mortgage Bankers Association. Due to his continual commitment, David represents the Top 10% in Northern California for total origination volume in years 2014-2016. He is thrilled to apply his knowledge and expertise to all his clients and industry partners.
David initially entered the business after watching his father who has been in the industry his whole life. Watching him make a true difference in people’s lives is what inspired David to follow the same career path. Nothing brings David more joy than building relationships with clients that last a lifetime and witnessing their realization of the American Dream.
David’s knowledge of loan programs and underwriting guidelines allow him to find the best-fit loan for every customer. Nothing matters more than trying to make the process as painless as possible, while always looking out for his customer’s best interest at heart.
In his free time, David enjoys playing sports (baseball to tennis to crossfit), traveling to experience different cultures, and watching baseball (especially the Giants). He has two sisters and parents, all of whom he’s very close with and enjoys spending time with.
CA LIC# CA-DBO1183120 | MO LIC# 21892-MLO | AZ LIC# 0950257 | WA LIC# MLO-1183120 | OK LIC# MLO18318 | HI LIC# HI-1183120 | FL LIC# LO57491 | OR | CO LIC# 100512810 | KS LIC# LO.0038820 | TX | IL LIC# 031.0054988 | NC LIC# I-183048 | PA LIC# 68777 | VA LIC# MLO-39690VA | MI LIC# 1183120 | OH LIC# MLO-OH.1183120 | NV LIC# 63360 | AL LIC# 72225 | NJ | MD LIC# 26-40749 | MA LIC# MLO1183120
Mortgage Education Videos
Randy P from Sacramento , CA via Zillow
Having refi'd a few times now, I can definitively say working with David and LoanDepot was by far the best experience yet. David was very knowledgeable and professional, which made making my choices simple and easy. Working with his processor, David's responsiveness to any of my questions along the way was fantastic. I would recommend David to all of my friends and family.
Kelly Huston from West Sacramento , CA via Zillow
We wanted to refinance and started doing the online search for "best refinancing interest rates." Of course all the top sites popped up including "Loan Depot." Never heard of them and wasn't sure it was reputable or a typical fly-by-night operation run out of someone's kitchen. Since we had some time, we did a lot of Googling and read through the reviews. Seems like it was popular and the interest rate was competitive. What really mattered is whether or not there was an actual person we could communicate with and help us through the process. We searched locally and found David's profile online. We couldn't be happier with our experience. He lives in our local community, has a vested interest in making life-long clients through attention to detail and clearly knows the industry and how to navigate it. We've done many financing deals for various homes, but none have been as easy, yet thorough, as this one. We secured an interest rate lower than expected and never had to leave our house to get all the paperwork done. I can't vouch for the rest of Loan Depot's operation, but what I can tell you is that we put our trust in David and he outperformed. If you value a personal connection and honesty, David is the guy you should call. We're happy customers.
Clay from Lafayette , CA via Zillow
I was given David's contact information from my co-worker. It was time for me to refinance my home and I've never been through the process before. David explained my options and the pros/cons of each approach to best fit my financial situation and goals. There was professionalism in every encounter and David was either always available or very quick to respond if he was busy. If there is a next time for me I won't need to think twice.
Kellie Taylor from Sacramento , CA via Zillow
David helped my husband and I through the purchase of our first home in April of 2018. He was knowledgeable about the many options we had available as first time buyers, was more than patient with us and came to the signing to answer any additional questions we had. When we had questions and issues with our property taxes later in the year, he was quick to respond and help us get them resolved. Over a year after the purchase of our home, David reached out to us via email to let us know that rates had dropped and we could save significant money every month by refinancing our loan. Not only did David take the time to shoot us an email with the specifics of our loan and what we could save, but he remembered personal details about our remodeling plans and financial goals. David is not only great at his job but really cared about us as people. We highly recommend David and Loan Depot.
R Sager from Fairfax , CA via Zillow
We found David Henderson and Loan Depot via The White Coat Investor forums and he helped us from our first pre-approval letter all the way through closing (on time on a standard 28-day contract). Instead of the 10% down loan option we had been planning on, which he was in fact able to offer us, he suggested doing a refinance on our current home to pull out enough equity for 20% down on our purchase property. I was hesitant, as I was focused on getting to close and it seemed like a complicated proposition, but he was reassuring and sure enough, he executed the plan flawlessly. Not only that, but the rate he got us on a 30-year fixed super jumbo with loanDepot was a full point below the competition, and the competition also would have needed at least an extra two weeks to close the loan. His communication throughout was incredibly good - thorough, precise and very quick. We had not been planning on purchasing right away and so our cash situation was far from clean, with tons of transactions to document, and David never batted an eye. Everyone involved in the process, including us, the seller and all the agents, are still amazed that this deal closed on time. David was absolutely terrific throughout. If you have a chance to work with him, you will be delighted you did.
Joanna from Sacramento , CA via Zillow
I worked with David to purchase my first home back in 2015 and he was absolutely fantastic! He is very helpful and dependable. He is patient and always available to answer questions. He is very knowledgable and easy to work with. I reached out to him again recently to refinance my home and was once again very happy with his efficiency, kindness, and professionalism. I would hands down recommend David to anyone. If you want someone who is a breeze to work with and that you can feel confident is going to get things done, look no further! He is fast, efficient, reliable, and Kind. I can go on and on about David. I have not come across many lenders or people in general like David. Look no further! You will not be disappointed!
VanceLyons from Rocklin , CA via Zillow
David went above and beyond in helping me purchase my first home, and he continues to assist with whatever I need. He is available at the drop of a hat to help me with anything I need.
jonchrislarson from Colfax , CA via Zillow
David was extremely helpful, we could contact him at any time, text or call, and he worked incredibly hard at getting us the rate we wanted and keeping in contact through our refi process. Made us feel really comfortable with the refi. I would go with David again in a heartbeat, if rates every drop low again we will surely be calling him.
Kerri Charles from Westminster , CO via Zillow
David helped us with a refinance and it was a jumbo loan so a little complicated but he made it easier than it has been in the past working with people that are here in my city. The service was personable and I trusted him more than people I have sat across from a table with at a closing so that says a lot. It’s hard to create that personal touch when doing loans over the internet. Two banks, including our current mortgage holder and my bank of 15 years couldn’t help us and we got this done in a few weeks with a great rate, monthly payment lower, and some cash out. So easy. He even arranged for our closing to be done at our home with a notary so we didn’t have to miss work. He answered almost every email I sent in less than a hour, so much so that on one Saturday night at 9pm, after he responded to an email I sent, I told him to close his computer and stop working. Will definitely use David Henderson again and recommend him highly. I have a law degree and actually read every piece of paper in front of me, so that’s saying a lot.
jen warner90 from Orinda , CA via Zillow
David is the best! This is my second purchase and David closed my loan flawlessly and on time. His rate beat any other lender's rate and program. As a new attorney, it was imperative to find a loan program that allowed less than 20% down and David absolutely delivered. He was available to us 24/7 via text, which was very comforting. Any snag was handled quickly and without delay. I will be using him going forward on all my purchase and refinancing needs. I will also be referring all my friends and family to him. He is smart, quick, and thinks outside of the box to get your loan closed. Thank you, David! We are absolutely thrilled to be in our new home.
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