Residential and Commercial Mortgage Loans

We came to DAK Mortgage with a time sensitive deal in the commercial space. We needed to refinance a building that prior owner's were trying to steal from us by defaulting a 2nd and buying a 1st from our prior lender and defaulting it as well with no prior delinquency. Facing foreclosure, the next 45 days I tried finding a refinancing partner to get this deal done, but we kept running into resistance from the lending market. Basically we were told no over and over again, or yes we can do it but then no results would follow. That all changed when we had a conversation with David & Karen. Within 2 hours of our initial discussion, they were able to secure us a 1st mortgage LOI that met almost all of our requirements. They also helped us close the deal within 3 weeks while providing excellent customer service and we were able to retain ownership in our building. Fast forward a month later, and we are now under contract to sell that same property! Thank you so much David & Karen, you have no idea how much we appreciate your help and assistance. We highly recommend working with DAK Mortgage!

Hands down the best lender I’ve ever used.
You’d be hard-pressed to find anyone more professional, knowledgeable, and effective for your mortgage. David and Karen were detail oriented throughout the whole process and ALWAYS answered the phone when I had a question.
The best part is that David and his team were able to secure a loan for us on a condo with a high percentage of commercial units, when all other traditional residential lenders wouldn’t touch it. I can’t recommend them enough. Will certainly be using them again. Thank you!!

As a foreign national, it's not easy to get a mortgage in America. David was easy and efficient to work with and quickly found a lender. Happy to recommend.

David Krebs is outstanding in every way. He was the ultimate professional and was effective from beginning to end in helping me and my wife obtain a high end residential home loan. David exhibits confidence that is backed up with knowledgeable and consistent follow through. In addition, David is a true gentleman, which was a bonus during the entirely smooth process. I give David Krebs the highest level of recommendation.

Karen and David at DAK Mortgage helped me secure the mortgage for my first ever home. Not only did they do it in record time with a great rate in this currently tough market, but they also helped me navigate many other complexities. I am eternally grateful and would highly recommend them to anyone looking to ease their home buying process. Thank you both!

I had a great experience working with David and Karen. They are very thorough and fast. I wouldn’t have been a home owner without their help… super recommended.

Did an A+ job. Navigated a very complex loan procedure and helped me close on time! Always diligent when it came to documents and deadlines, kept me updated, and drove the loan process forward from start to finish. This is a very capable team and I highly recommend them if you need a loan.

The whole team was very detailed oriented, efficient and concise to the point. They walked me through the whole process with full availability and dedication.
Many thanks to Karen and David for your professionalism. I would definitely recommend DAK mortgage to accomplish the refinance your home.

Cannot say enough good things about my experience at DAK Mortgage. Got us our clear to close in just under a month. Everything went smooth as possible too. David and Karen are an amazing team and know how to close deals no traditional bank would ever touch. If you're in the market for a loan product and have been turned down by your bank. Call DAK Mortgage right now and let the experts review your file.

David and Karen are very professional and dedicated. He made us feel reassured. We will absolutely work with them without hesitation if we would need to. You can trust them to get you what you want.

What a life saver. David helped me get a rate in this crazy market in this crazy time in only 12 days. David and Karen were able to assist me even lock in a rate before they knew (and told me) rates would go up so I benefitted even before my loan was approved. Their attention to detail is phenomenal. It was an intensive processes that required their attention throughout every step and they were able to walk me through all of the difficult steps. Highly recommend. They have my business forever.

It was a pleasure working with David!! We Just closed on a very difficult loan!! He is an excellent broker, extremely knowledgeable and very efficient, and he answers his phone.Looking forward to the next one! Thank you David and Stacey. I highly recommend David and his team for all of your mortgage needs!

David and his team help us through a challenging transaction. They were timely, professional and undaunted by the challenges. Thank you David and team.. you made one of our dreams come through..Chris and Olivia

Thank you David, Karen and Stacey for all of your hard work. They turned what seemed like the impossible into something possible and had everything sorted very quickly. Cannot recommend them enough!

Great experience! Thank you again

Everything was very good

After being able to purchase my first property in Miami, no other mortgage broker was able to offer me a loan, but David surely got me one in record time, as my closing date was already set.
Communication with the team was transparent and rapid and they took care of everything. Not even once I had to reach out to them to follow-up.
Needless to say, when I buy another property (hopefully in the near future) I will be contacting David.
Thank you to the whole team!

If you want to refi or get a new loan and is having issues qualifing for any reason go to David, he's really good. I have tried about 4-5 different banks and i couldn't qualify until I founded David and my refinance finally went thorugh. He's the best.

David and his team did a fantastic job not only advising on several mortgage options, but also following through every aspect of the process with diligence and professionalism. They would take extra effort to support the client and will work tireless to resolve any issue that might arise.

I was referred to David Krebs by my realtor, Angela Ribeiro. I'm extremely satisfied and couldn’t be happier with the reference. David and his team are very professional, always available and answering emails very quickly! This expedite the process tremendously. I can't forget to mention Stacey English, who patiently used to call me to remind me to read my email with some request to be done.
There were no postponed dates, on the contrary, closing was before the expected date and David got me a great interest rate. Very happy with the whole experience. Highly recommend this company.

David was able to find a lender for us when others could not. He was easy to deal with and very professional. Highly recommend.

To say David overcame a complicated deal is an understatement with our most recent transaction that just closed this month. Phenomenal patience and knowledge to address every hurdle along the way with a piggyback loan for new construction. David is someone you go to when you want something to actually get done. He knows the credit and has the candor to navigate the deal to close as efficiently as possible. Strongly recommend and vouch for David to anyone looking for any and all loan inquiries. Thank you, sir!

My husband and I just closed on our sunset property and all thanks to David and his team! He is creative persistent and follows through with deadlines and expectations. When banking institutions are difficult to work with David and his team definitely lessen the stress off the process and he and his team get the loans closed. We will definitely be using his services again. Thanks David Krebs and team!

I highly recommend David and his team for all your mortgage needs. After deciding to purchase a home during COVID I turned to David and his creative alternatives to a Jumbo loan. I was able to purchase an amazing home with a loan that allowed me a lower down payment and no PMI insurance. Also would like to point out his team who worked tirelessly to get the loan to the finish line.

David helped me get a cash-out refinance on one of my rental investment properties. He was phenomenal when it came to follow ups and help understanding what was being requested. He helped find solutions to ensure that I was able to close. He was very knowledgeable and I felt comfortable that he had my best interest in mind. I would highly recommend him to anyone and am looking forward to working with him on another transaction.

David is a very skilled mortgage advisor that can make the seemingly impossible, possible. He has contacts all over the country at many different lenders. In addition, his team is tirelessly detail oriented and very easy to work with. I highly recommend him.

David has been an exceptional help dealing with our mortgage issues. Incredibly professional, yet a personal touch that helped my family feel comfortable when there were procedures we didn't understand. My senior mother knew David would help her with what was in her best interest.

David was amazing. He was extremely patient with me and answered all of my questions. He went above and beyond to make sure we not only got financing, but got the best deal possible. He worked tirelessly to make sure we got approval that worked for me. I wouldn’t have been able to do to get my house or keep my sanity without David!

David was the perfect go to person I needed. Not having any experience with working with a customer who had hoops to jump to qualify. David made it all happen and remained confident for all parties involved to the closing date! I will use him again and again in the future!

My wife and I needed someone to look outside the box to help us with a home loan that fit for us. David and his team were helpful and made the process easy. I look forward to using David again and have already referred him to a friend.

Courtesy, knowledgeable, efficient, amicable are just a few of the adjectives to describe my experience securing my construction financing with David. Will absolutely do business with him again shortly!

I'm a Real Estate Broker from Florida and I worked with David for the first time and I have to say it was a good experience. David always answer. Stacey also is fantastic. I will highly recommended it.

David is great! Very professional, dedicated and always willing to help. The process was much easier due to its efficiency. I recommend him for sure.

David was wonderful to work with and, had it not been for his extraordinary effort, we would not be the proud owners of our new home. I would highly recommend him.

David did an excellent job in walking me through the home buying process in regards to funding, and was able to secure my loan in a timely manner. I'd absolutely work with David again if ever buying another home in the future!

Mr. Krebs helped my family with the purchase of our home. Of course we compared rates and conditions with our own bank and found David's quotes were always the best.David walked us through the process and has given us the "good to close" weeks before our closing date. Knowing that he was on top of our file, ensuring that we can close, gave us a much needed breathing room. We appreciate all that you did for us and we recommend any potential buyer to use your service!

It’s hard to find a good ANYONE in Miami, let alone people who have to help you financially.David was referred to me by a friend...and what a godsend! I was able to get approved for a mortgage for the first time in the US (as I’m a Canadian investor) and everything was done in the timeline promised.David kept me updated as the process was moving along to purchase the property, and was very organized (and kept me organized) on what documents and paperwork was needed to get the best possible rates in the short period of time we were working with.The best part is, after the closing was over, a few weeks later David sent me some links to increase my credit and assist with future banking needs! He probably knows I’ll be a long time client, so he is investing in my financial future too 🙂

David did an incredible job helping us get the reverse mortgage. He jumped through hoops, stayed on top of the process making sure everything was going smoothly. My family and myself can't thank David enough for getting the job done professionally and expeditiously. I would highly recommend David for any mortgage inquiries.

I'm an insurance agent. I've known David for the past couple of years, and I enjoy working with him. We've become strong, strategic referral sources for each other. What I really like about David is he always takes my call to speak to my clients about all their mortgage needs. Whatever questions they throw at him -- whether it be about refinancing, foreign national loans or first-time home buyers -- he answers with authority. David is very knowledgeable and is eager to help no matter how big or small the deal is. I look forward to continue working with him.

I was recommended David when buying my first apartment, and I am so grateful for it! He made my first time buying a place so easy, and helped explain everything to me along the way. He was very professional, always in communication, and most importantly, he got the job done. It wasn’t an easy closing, but David made it work to get me my dream home. I already told him he can expect a forever client from me. 100% recommend David.

I met David per the recommendation of my Real Estate Agent. David was on his A team and that was a resounding endorsement. My Real Estate Agent was right.I needed a good mortgage rate to purchase my new home in South Florida. He went into the market and got me the best rate with the level of investment I needed.David is thorough, precise and empathetic:Thorough – Have never met a professional with follow up skills like David. He provided answers to every question typically within a couple of hours at most.Precise – His answers and documents were always detailed and easy to understand.Empathetic – He tries truly to understand you and your personal situation before giving his financial advice.In sum, as a former banker and someone in financial services David is best in class. That said, in addition to being an exceptional professional, he cares about you as a person.

I had known David for several years before I ever thought about a mortgage, but when I did I was glad to have someone with the knowledge and dedication he had.My mortgage acquisition and closing was not typical as I was living abroad and at the time traveling through another country. David was able to procure documents and assess needs in a tight time frame and 7000 miles away. With limited communication, I knew no one else would have been able to get it done as flawless as he did. Despite the distance, time zones, and moving through countries, I was able to secure and close on my home as easy as if I had been present.Talk about going the extra miles.....

My husband and I wanted to move down from New Hampshire to Florida to be in the warm weather. We started the loan process with David while we were still in New Hampshire. David was able to get us a 100% VA loan at a 3.75% fixed rate for 30 years (my husband is an honorably discharged Navy veteran). There were some bumps in the road -- the contract we had for the first house fell through due to open permits with the county. However, we closed on the contract for the second house we found. David also helped us get our credit scores up about 30 points, and this helped get us more favorable loan terms. David has become a trusted advisor to help with all our lending needs.He always answered my phone calls , texts and emails promptly .if anyone every asks me if I know a good mortgage broker he’s the guy I’ll recommend for sure ...

It’s been almost two years since I was introduced to David. It’s hard to think back then how uncertain the fate of my new business venture was. I was just starting the process of pursuing a dream, and I wasn’t really sure how I was going to come up with the funding.A friend, who happened to be a loan officer at a bank, introduced us after she had exhausted all her available options. It was a last hope.Today, my gym has been open for exactly three weeks. We’re about to hit 120 members and we’re growing incredibly quickly. We wouldn’t be riding this incredible wave if it weren’t for David’s great work.David believed in our business plan as much as we did, and he didn’t stop until he had found a bank that did too. Within two months of meeting him we had a guaranteed SBA loan. Not to mention the bank we’re working with has been an incredible partner.He’s top notch. Exactly the professional you want on your side.

Everyone should use David because he is very knowledgeable in his field. He will do everything in his power to help and find the adequate loan to fit your needs. A custom fit, tailored to you. He legitimately cares!My lawyer recommended David to me. My lawyer’s words exactly “If anybody can help you, David is the one” HE WAS RIGHT!I needed David to help me to get a refinance on my home. I was turned down twice by Chase (my bank). My credit score was low, all personal credit cards were to the MAX, being self employed as a child care owner I was going through a stressful situation at work with an ex-employee and income verification was not possible at the time. I was NOT a candidate at this time. He needed to find me a loan that fit my needs.Magically David was able to find me an HONEST lender, who was willing to take the chance. It was not easy, I was afraid of greedy lenders who would take advantage of weak situations like mine and I made it almost impossible for David to work with me, my indecisions would change daily, it was an emotional roller coaster. Thanks to his patience and his vision of “short term risks, a small BAND-AID” as he put it, I was able to go ahead and go through it. At times he even became a therapist without even knowing it.About six months later, after David helped me get my credit score up by more than 40 points, he found me a new conventional mortgage loan, Using only one year of my tax returns, I qualified with a low rate. The process was painless, we closed in 31 days. Today I am a very happy camper, even the mortgage payment went down three hundred dollars.I recommend David to everyone. He is a giant in his profession! But this is not what makes him great at it. His code of ethics, moral conduct and customer service qualities is who makes him the wonderful and exceptional human being that he is.By trusting his judgement and knowledge I was able to leap and change the course of my future. I will be eternally grateful.

David is absolutely the best mortgage broker I have ever worked with! Because of his extensive experience, he literally found me a loan when no one else could. He works very fast and is highly responsive. I wholeheartedly recommend him!

I am writing this recommendation for David Krebs as an Outstanding Mortgage Broker. I have known David for 14 years and during that time he has secured 2 Mortgage Loans for me in appropriate and accurate time frames, saving me thousands of dollars. I highly recommend his expertise and experience in obtaining the finest Loans for Clients.I met David in 2005 at a Home Owners Association Meeting. We struck up a conversation about Mortgages because I was looking to lower my payments on my Florida Townhome. David helped by getting me a new Loan.Then in 2017, I wanted to lower my mortgage payments again on my Florida Townhome. Previously, I had an ARM with a variable rate, and wanted to switch to a fixed. David secured a low interest rate for me that was fixed and fit my budget needs (I taught high school for 40 years, but am now retired and grade AP exams). Also, I wanted to pay my mortgage payments, taxes and insurance in one bill. I was paying separately for all three; now, thanks to David, it’s all consolidated.David will work with his clients until they are satisfied with the end product. He will always explain what is possible and what isn’t. David educated me on all the possibilities.David’s top 3 qualities: Loyalty to his clients; Determination to stay focused on his clients requests; and Honesty.I will always call on David because he’s the best.

David helped us with our recent re-fi and the overall process couldn’t have been easier for us. He did all the heavy lifting, provided daily updates and all we were left was peace of mind...and of course a successful re-fi. He and his team of experts provided a seamless and painless experience and they were extremely efficient. I’d recommend him in a heartbeat.

David got my deal done. I considered using other companies but they couldn't deliver like Dave. He really knows how to match business owners with the right partners - I highly recommend working with him!

My family highly recommends David. We had a very unusual situation and it took months to finally close but without a David’s perseverance, patience and tenacity it would have never happened.

Wouldn't have a house without David

As a first time buyer of an investment property using financing, David made the entire process as smooth as can be. His background and experience along with his extensive contacts came in to play. He helped me find the perfect lender to meet my needs and I was able to secure a great rate.
David was responsive, knowledgeable and professional. There were a few issues along the way but having David on my side made it easy to navigate through the entire process in a way that avoided unnecessary delay.
I highly recommend his services to anyone seeking a mortgage or the right lender. I plan to use his services for future purchases or refinancing.