About David
I bring more than 20 years of experience to the Advisors Mortgage Group team. My experience through the years has taught me that when it comes to lending, everyone’s situation is unique.
From my first years in the industry, to the real estate crisis of 2008, to my personal interest in renovation and new home building, I have amassed the experience and product knowledge to offer borrowers and real estate professionals the best possible loan options that meet their specific needs.
Advisors Mortgage Group has been my home since 2017 and my knowledge and experience are a perfect fit with the company’s products and tools. Since joining their team, I have enjoyed the flexibility and support to successfully place my borrowers’ loans.
Interested in discussing what lending options are available to you? Reach out to see how I can make a difference during the mortgage process!
Licensed in FL, NC, NJ, PA
Free guides from David
First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Home Buyer Guide
Programs, paperwork and pitfalls — the full buying playbook.
Home Seller Guide
Selling and buying at the same time? Start here.
Where to find David
David works out of our Ocean, NJ – Headquarters office. Branch NMLS #33041.
What clients say about David
161 client reviews
Verified client reviews via Experience.com
professional, knowledgeable and courteous service
Dave and his team are special assets to Advisors Mortgage. Keep up the great work , and hopefully we do more business together in future. First two times have been a charm!
David and his team make the mortgage process simple, and partnering. Thanks Advisors.
thank you!
David was a great source of information during our entire loan process--he communicated with us every step of the way and made sure we understood what was happening. Any questions we had were answered promptly. David made this a great experience for us!
Great experience. Thank you for your help and guidance!
Best mortgage advisor team in the business!
Best mortgage advisor team in the business!
David is the best, he went extra mile to ensure my loan is funded.
The Advisors team as a whole was the best! will highly recommend them to future clients. They helped make our dream of owning a home at the Jersey Shore a reality. A no stress process from start to finish. Cannot Thank them enough!!
This was my first time buying a home. David and the team helped me feel informed and comfortable through the loan process.
This was my first time buying a home. David and the team helped me feel informed and comfortable through the loan process.
Dave made the process as streamlined as possible, thank you!
dave your the best see you soon
Very professional team.
Great communication and advice throughout the process.
Easiest mortgage ever.
Dave was always available, he never kept me hanging. He continuously followed up with me to see if I understood the process and for reassurance . He is an amazing person . Deborah Collins
professional, and speedy mortgage process, they are the best!
consistently outstanding mortgage process, I have used advisors Mortgage many times!
The whole team was very professional and great with communication. We felt very supported through this process, especially by David.
David was there to support us and guide us through our first home purchase every step of the way. He made the process as easy and painless as it could possibly be. Would highly recommend his expertise.
This was my first home purchase . It was very important to me to understand the entire home buying process. David and his team took their time to explain every step and answered all my questions and concerns. The process from start to finish went smoothly thanks to David.
First home purchase for me. David helped me through every step and it was a great pleasure working with David and his team through the process. Definitely recommend.
David was available and eager to help throughout the process at any time. He helped us navigate the process as a group of 4 people purchasing a home. He went above and beyond to make us comfortable each step of the journey.
Latest market updates
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
