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!
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!
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Marc Gerke
2026-01-06
Trustindex verifies that the original source of the review is Google.
We selected David for our HELOC based on the incredible reviews here on Google. I'm happy to say that our experience was just as wonderful as those we encountered here. David was extremely responsive, excellent in explaining the process, and has even helped answer our questions post-funding. Throughout, he has been personable, informative, and just plain great to work with. We cannot recommend anyone more highly than we do David. We would not hesitate to work with him again if we ever have further needs.
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Farnoosh Tabesh
2025-09-15
Trustindex verifies that the original source of the review is Google.
If you have refinanced a property, you know that it’s a time consuming and challenging, and frustrating process. David made this process super easy. He is professional, responsive and knowledgeable. He is your man if you want to get the best rate in the quickest way possible.
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senlin p
2025-07-22
Trustindex verifies that the original source of the review is Google.
I had dealt with refinancing on my own in the past, but when I decided to get a reverse mortgage, I realized I was going to need some help. I reached out to David based on his many glowing reviews online, and I’m so glad I did because he lived up to every one of them.
Working with David was a wonderful experience. Good communication is essential for me, and with David, it was exceptional. If he didn’t pick up the phone when I called (and usually he did), he would always get back to me promptly. The same thing with emails.
At every step of the process, David was on top of things and kept me informed. He patiently answered all my questions, explained things clearly, and made sure I understood everything. If any obstacle came up, he would figure out how to deal with it or find another way to get where we wanted to go. He was always there to help with whatever I needed. When there was complicated paperwork to deal with, he walked me through it. When I was having a nervous moment, he would calm me down and reassure me that things would work out.
And they have worked out - extremely well. For anyone dealing with mortgage issues, David is the man you want to call.
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Jose Garcia
2025-07-20
Trustindex verifies that the original source of the review is Google.
Working with David was an absolute game-changer for our investment property purchase! From day one, he brought unmatched expertise, lightning-fast communication, and a calm confidence that made the entire mortgage process feel effortless. David broke down every step, answered all our questions with clarity, and helped us secure an incredible rate—on time and with savings on both the appraisal and processing costs!
His guidance and dedication gave us total peace of mind throughout the journey. We never felt alone or unsure—just supported and informed. If you're financing a real estate investment, David is the broker you want in your corner. We’re already looking forward to working with him on our next deal!
Thank you, David!
– Jose
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Jaimi Zwerling
2025-07-19
Trustindex verifies that the original source of the review is Google.
Over the past several years, we have refinanced our mortgage a few times. Each time, we have reached out to David Kutner. He always provides knowledgeable insight and product options with pros and cons based on our needs at that particular time. Once a loan is identified, he makes the process as smooth and stress-free as possible. He is great with support, follow up and professionalism. We trust him 100%, and that is why we reach out to him whenever we need assistance with our mortgage. We can't recommend him enough.
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Jun Chung
2025-05-28
Trustindex verifies that the original source of the review is Google.
If you're looking for a reliable mortgage broker, look no further. I enjoyed working with David for his hard work, honesty, and knowledge of the local market.
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Bryan Aguilar
2025-05-16
Trustindex verifies that the original source of the review is Google.
We used David as our Mortage broker to purchase a home earlier this year. We had a great experience and I would highly recommend him to anyone. He always made sure we were educated about the process and what all of our options are. Most importantly, David made sure we were a priority and he was always on top of things that needed to get done. Using David definitely made our home buying experience less stressful and I will definitely be using his services again if I have the chance.
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Naman Shah
2025-04-28
Trustindex verifies that the original source of the review is Google.
Had a great experience working with David and would gladly recommend him to others. Easy to reach and worked to find us the best deal and give great advice on timing and more.
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Maryann O'Donnell
2025-04-17
Trustindex verifies that the original source of the review is Google.
David is very thorough and conscientious of following Escrow & contractual timelines on behalf of his clients & our buyers. He shares information with borrowers & with us to make sure buyers get the best service (& rates). He is a treasure.
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Diana Levin
2025-01-24
Trustindex verifies that the original source of the review is Google.
My partner and I were buying our first home and David was a huge help throughout the process. He was very informative about what what kind of loan we could qualify, and he took us through step by step process, answering all our questions and making us feel at ease the entire time. If you are trying to buy a home, you are in the right hands.
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.
