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Get Expert Guidance for your Biggest Purchase.

The Friendly Lender: Your Personal Guide Through the Mortgage Process

Call: 818-640-1061

Ready to be treated as an individual, not just a number?

At The Friendly Lender, we understand your unique financial needs and take the time to tailor a loan solution just for you. No more being treated like a number – we value you as an individual, not just another sales target. You need a mortgage professional to get you the best loan for your needs. My name is David Kutner, and that’s what I can do for you
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Overcoming Home Loan Confusion: Your Trusted Advisor in Navigating Loans and Refinance Options

With over 30 years of experience, I'm your trusted advisor, dedicated to your best interests. Whether you're a first-time buyer or seasoned homeowner, I'll guide you through the daunting home loan process. From initial qualification to exploring refinance options, I'll find the perfect solution for you. Let's navigate this journey together, with friendly advice every step of the way. No obligation. No sales pitch.

Your Companion for a Smooth Home Loan Experience

Personalized mortgage solutions

David Kutner, The Friendly Lender

The Friendly Lender remains by your side from application to post-close, ensuring continuity of service without passing you off to different departments. Say goodbye to the uncertainty of whether your original contact will still be there years down the line, especially with larger companies.
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Years of Experience

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5 Star Reviews

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Happy Clients

Our Services

From first-time homebuyers to multi-property investors, we have the right solution for you!

First-Time Homebuyers

For first-time home buyers, navigating the complex world of real estate can feel overwhelming. Making the right decision is crucial; after all, it's likely the biggest financial commitment you'll ever make. Choosing a loan that is the lowest rate, is not always the best option. That's why you need someone who can expertly guide you to the best options for your situation. Finding a knowledgeable advisor who prioritizes your interests over their own is paramount.
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Investors

Looking to invest your money in an income property? Today’s market offers great opportunities for this. Home prices put owning a home out of reach for many who want to buy. They must rent instead. This situation doesn’t look to get better anytime soon. There is a strong demand for good rental units.
Even better, someone who owns and manages residential rental properties.
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Refinance

If you are a home owner who wants to lower your rate or perhaps take some cash out of your home, I’ll help you structure your new loan and get you a great rate, too. Now, as much as I like doing loans for folks, I will not do a refinance loan that doesn’t give you a benefit.  If it doesn’t make sense to do the loan, then I’ll tell you, honestly. But, if it does make sense, I’ll suggest the best way to go about it. The way I would do it if it were my loan. And, I’ll give you options on rates and costs so that you can choose what’s best for you and your family. We can even work out no cost loans.
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Mortgages Made Simple for Seniors

We understand the unique financial needs and challenges that come with in a person’s later years, especially in retirement. Your home can provide funds to live on through a mortgage that does not require repayment (Reverse Mortgage). A reverse mortgage can also provide funds for purchasing a new home or downsizing. Again, no payment is required. Of course, the traditional mortgages for purchase or refinance are also available. Our tailored approach provides flexible mortgage solutions that align with your specific situation. With our expertise and commitment, we strive to ensure peace of mind and financial security for our valued clients in their golden years.
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Testimonials

Read our 5-star reviews from many of our satisfied customers!
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Reach out to us with any questions you may have. Our goal is to help you to your complete satisfaction!
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Friendly mortgage lender
My clientele can attest to my reputation as a reliable and approachable advisor dedicated to serving your best interests.
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Serving All of California

Los Angeles, Glendale, San Diego, Sacramento, Fresno, Long Beach, Anaheim, Palm Springs, San Francisco, and surrounding areas.

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