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
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
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.
0+
Years of Experience
0+
5 Star Reviews
0+
Happy Clients
Our Services
From first-time homebuyers to multi-property investors, we have the right solution for you!
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.
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.
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.
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.
Read our 5-star reviews from many of our satisfied customers!
Lorem ipsum
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.
Lorem ipsum
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.
Lorem ipsum
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.
Lorem ipsum
Lorem ipsum dolor sit amet
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.
Abigail DT
2023-11-18
David was a tremendous help to my husband and I throughout the homebuying process. He took every opportunity to help us to feel comfortable, and to assist us in understanding the complex decisions we needed to make. We recommend David to anyone shopping for mortgages. David will help to support you and look out for you during what can be a frustrating and scary process.
Thank you, David!
Jane Hahn Choi
2023-10-14
My husband (who works in accounting/finance) found David through highly rated Yelp reviews and now we know why! As first-time home buyers, figuring out how to finance your first home is always nerve wracking. David is incredibly knowledgeable and thorough with his attention to detail. He also found us the best rates and advised us on the market trends and when to lock it in. He is extremely communicative and strove to make our entire process so smooth. We are so glad to have met David and would recommend him to anyone who is looking to buy a home!
Tina Sardary
2023-10-06
David truly is friendly. He was patient and took enough time to explain the different types of loans available and what he could do for me. More importantly was his honesty that he couldn't help me at this time due to my specific circumstance and didn't try to persuade me to get a loan that was not in my best interest; for that reason alone, I would definitely recommend him to anyone.
Alexander Zhu
2023-07-04
If you're looking to buy a home, you need to call David Kutner. I was looking to buy my first house a few months ago and David was extraordinarily kind helpful, and knowledgeable. He took the time to walk me through the process, answering every question I had with care and concision.
Buying a home is a daunting task, but David made me feel very well taken care-of. I thought that buying a home would be incredibly stressful, but working with David made the experience very manageable. He is extremely prompt and *really* knows the business, which made the process of getting a mortgage go super smoothly. He got me a reasonable rate and even took the time to advise on the best time to lock it in. He checks in frequently, is always quick to respond, and his advice is excellent. I really felt that he had my best interests in mind through the entire process, which really put me at ease. His honesty, kindness and expertise made the loan portion of buying the home the easiest part!
Additionally, David's extended professional network is excellent - he recommended a great agent at the start of my search, and also had great recommendations for all the other things you'll need as you close: insurance, etc.
All in all, a fantastic lender - recommend very highly!!
MARK ALEXANDER
2023-05-04
David was referred to me by another person in the banking industry who thought he could better serve my (actually my mothers financial needs). This proved to be true...Mr. Kutner was both professional and friendly, and my mother was pleased with his mild demeanor and willingness to be available to answer any questions she may have had, and to stay on board for any future questions or needs. David and I worked together to get her transaction completed in a reasonable amount of time, and, in this day and age of faceless business transactions, the personal touch of coming to the house to meet his client was a welcome effort to my mother. That being said, I would recommend Mr. Kutner to anyone who would be in the market for financial assistance, providing he can offer them the product or products they may need.
Melissa Wong
2022-03-03
David Kutner has successfully helped us twice with our loans: one was for a refinance on an investment property and another was an investment loan on a property purchase. My sister recently went through the loan process for her first home with David too. David always followed up and kept us up to date on the status of our loans. When we encountered hurdles along the way David offered his professional advice and opinion on what he thinks is best for us. In the end, we were able to overcome the hurdles and successfully close on the property we wanted. He always took the time to explain and clarify questions we had. David is very professional, honest, and straightforward. His staff is also very hardworking. I highly recommend David Kutner for any loan matters.
Micah Schroeder
2021-10-17
Demonstrating professionalism and honesty rarely seen today, David recommended I use another lender because they could give me a better rate on my loan. I don’t write many reviews, but I wanted to let everyone know how wonderful David is to work with. My wife and I began looking to buy a home and I asked around to see if anyone I knew had any suggestions for a loan broker. David Kutner was immediately recommended by one of my coworkers, who said that he and his mother-in-law had used him and were exceedingly satisfied with his work.
I don’t know if you know how profoundly difficult it has been in 2021 to buy a home, but David was very encouraging and accommodating throughout the process. He wrote proof of funds letters for us when we put offers in on houses. When we finally got an offer accepted, David started the necessary paperwork. My wife and I shopped around to see what rate we could get and found a lender that appeared to offer a better rate than what David could get us. I contacted David and asked him if it was at all possible that he could match the rate. David instructed me to send him the paperwork so he could look over the other lender’s paperwork to determine if everything looked legitimate. David promptly called me back and informed me that he thought we should go with the other lender as he was unable to match the other lender’s rate. If you want a diligent, helpful, honest, and friendly mortgage broker, you should call David Kutner. I will definitely be calling him for my future loan needs. Thank you, David!
Aaron James
2021-06-30
Working with David Kutner was amazing. I was a first time homebuyer and had never been through the process before, but David helped me through the entire process and was there for me if I ever had any questions.
I had been working with two separate lenders previously to try to get a loan for my first house, and both either wouldn't or couldn't meet my needs. I was referred to David by my real estate agent, and David not only was much more of a pleasure to work with, but he was also able to cut my closing costs in half and he got my monthly payments a couple hundred dollars lower than the previous lenders. He really worked his magic and I am so grateful that he did.
Even though he is based in southern California, the home I purchased was in northern California, so if you aren't in his immediate area, still give David a try. You will not regret it.
I have been referring ALL of my friends and family to him since I was so happy with the results of my loan and the care David took in making sure I was getting a good deal.
Thanks a ton David!
Alison C
2021-01-31
David is an excellent mortgage broker! Because of him and his team, I have successfully refinanced which is now translating into significant monthly savings. I absolutely recommend David to anyone with total confidence -- he got me the lowest rates/costs of anyone after interviewing about 7-8 other broker/lenders; he is extremely good at explaining difficult concepts and provides honest answers; he is transparent about one's options and gives a balanced rational analysis; his transaction team is very good and reliable; and he is very responsive -- he was always available to speak whenever I called with questions. I think David is a great match for clients who may be more detail-oriented, who ask questions, and who seek articulate explanations for why something is the way it is. Not only did I get a great refinance done but I also learned quite a bit about the mortgage process and how it works because of him. Thanks David and team! You were fantastic and I truly appreciated everything you did for me, thank you. I look forward to working together again in the future.
Christopher Fong
2019-10-26
Hire David! He handled our loan process amazingly. Not only was he extremely good at communicating to my husband and I about the loan process, things to expect, etc., he also made the process less stressful. Who thought that was even possible?! We're so glad we went with David. You definitely get what you pay for. He offers superb service, is very knowledgeable about what he does, and goes the extra mile to make sure you truly understand the process and are comfortable. He is also very responsive. Every time we needed an offer letter (and it was pretty of often), the turnaround process between requesting and receiving it from David was usually within a day or so. When you're putting an offer on a home, sometimes you need to get the offer in ASAP and David always got us our offer letter when we needed it or sooner.
He also has a real estate license so he's familiar with the other side of the home purchase as well. This was helpful and he offered insight on what to expect from the other end during our home purchasing process. David truly cares about his clients and we truly felt that. Our loan process went smoothly and both our agent and the seller's agent commented on how great David was as well.
Contact Us
Contact Us
Reach out to us with any questions you may have. Our goal is to help you to your complete satisfaction!
My clientele can attest to my reputation as a reliable and approachable advisor dedicated to serving your best interests.
