What They Say:
Bruce & Christine; Springfield, VA
It was overall an extremely professional, courteous, and stress-free process. I was so very impressed with the quick and informative responses to my answers. Including the very quick turnaround of delivering us some of our requested documents via email.
The appraiser was excellent, gave us a wonderful estimate and was very professional, courteous, timely, and friendly to deal with.
The title company was equally as pleasant to deal with. They were very timely and it was nice that they came to us, rather than us driving over to them. We really appreciated that.
We were taken from a very stressful situation, to being completely comfortable. We were so happy to have had this done. As well, we were treated respectfully and promptly, no matter how "small" our questions were.
I highly recommed No Bull Mortgage for all of these reasons. Thank you very much!
Jay; Posted at The Motley Fool
Thanks for the comprehensive reply! After the first 8 or so replies I was leaning heavily toward skipping escrow, but your advice certainly seems solid to me. I'll just double-check with my mortgage bank to confirm the additional charge for skipping escrow, but I'm sure you know what you're talking about. I was only going to do it to earn extra money and I had read your other posts about holding on to cash at all (or most) times. In fact, I altered my downpayment plan based on your posts. I originally thought a large downpayment was the safe route, but your posts convinced me otherwise. I slashed my downpayment and figure I'll tap the extra money as needed to meet the higher monthly nut. Thanks again.
Martin; Edgewater, MD
...Dave was patient in explaining all the details and was happy to answer all of my questions, even the dumb ones. I eventually went with Dave to refinance my home. I also used Dave’s services to open a HELOC for some improvements as well. Over the subsequent years and months I have stayed in contact with Dave for other financial matters. Dave has always made some time to explain things to me in the simplest of terms. Keep in mind that I have never entered into any official services arrangement with Dave and No Bull Financial yet he has never asked to be paid for his advice...
--Martin
Ben & Lina; South Pasadena, CA
In addition to providing access to the right loan, Dave and his team coordinated the activities of various other parties (appraisers, escrow and title, etc). Their efforts and outcomes have been superior. A staff member, Michelle, in particular, has been very responsive and thorough. (Hi Michelle!)
I am very appreciative of another role that Dave plays as I evolved in my financial life: More than being a vendor of products, Dave is an advisor, who challenges old views and introduces new perspectives on how to manage wealth and net worth. He and I have spent hours just talking, about home equity, insurance, stocks, options... how one can use these well to improve returns and lower risks.
So, Dave is more than just a broker. He is a professional focused on the interests of his clients. I highly recommend him.
--Ben Lee, Ph.D.
John & Stephanie; Richmond, VA
I have a Masters Degree in Finance and I've been a professional trader but I realize that shopping the Mortgage Markets is something beyond my capabilities. I also know that an unethical or incompetent broker can cost me a lot of money because their incentives are not aligned with mine. Being able to hire No Bull Financial on a fee for service capacity is great for two reasons. First, because it lets me know that I'm getting the best pricing and there are no "hidden rebates" that I pay for but don't know about. Second, because their incentives are aligned with mine. And this is on top of financial advice sophisticated enough to be of value to me and great service.
--John
Kayce & Matt; Honolulu, HI
We knew we needed someone who could find us the best possible solution for our situation and after turning to these [message] boards time and again for advice, I decided on our very own Dave Donhoff to represent us. From the get go, Dave helped relieve a lot of the stress and confusion I was feeling about our purchase. Every question (and I have lots!) I had was answered in a timely fashion, even late into the evening and on the weekends. Krystle and Michelle did a fantastic job coordinating everything with my Real Estate Agent and my two title companies, most evident when, four days before our scheduled close, our underwriter was fired! Even with that glitch we were only delayed a few days.
As for the "deal" we got, let me just say, we are more than happy with it. In fact, I think it's safe to say it surpassed my most optimistic expectations. I honestly thought DBF and I were going to have to put our dream of owning a home together on hold and instead we are happily settling into our home of two months.
--Kayce
Polly & Kurt; Cumming, GA
In 2004, when my husband and I needed to close on our first house and our mortgage broker abandoned us 9 days before closing, I thought that all our hopes and dreams for the past year were going to be crushed...
...Through it all, Dave and his team were professional, friendly, and helpful. We ended up closing two days later than originally expected, but Dave and his wonderful team did manage to pull off the impossible! In the end, it really all worked out for the best. Dave got us rates that were significantly lower than our original MB's, and I really learned a lot from this whole experience. The entire loan workflow involves so many pieces of paper, so many individuals, and so many bureaucratic processes that I'm amazed it ever succeeds. But somehow, Dave and his team know how to navigate all this craziness, and we have been happy home owners now for three years and counting!!
--Polly
Stephanie and Nathan; Fredericksburg, TX
My wife and I were blown away with the folks at No Bull Financial. Dave and his staff are confident in what they do and make working with them fun. They've had an answer to our hundreds of questions. We look forward to a long working relationship with Dave and his staff.
--Nathans
Serene Hong; Business Associate
David is very personable and has been a pleasure to work with. He has the drive and the determination to "get to the bottom of things"; showing his work integrity and accountability to get things done right. His persistence and tenacity will definitely pay off in the long run.
--Serene
Brian & Heather; Edmonds, WA
David is the person you want on your side, working for you. Whether you need help with planning for a real estate purchase or sale, business planning, or personal financial planning, you won't find a person more adept and knowledgeable that he is. David will take you through from start to finish while considering your entire financial picture. I definitely look forward working with David again in the future.
--Brian
Richard; IL
David really delivers on the "no bull" promise by communicating clearly and effectively with a deep and detailed knowledge of real estate. I would definitely recommend him for first-time homebuyers and any one who wants a team member who really helps.
--Richard
Will Young; Business Associate
David is a knowledgeable loan broker who extends practical and sound financial advice as well as great leadership. I began working with David in approximately May of 2007 as a Loan Specialist. On several occasions I have presented various types of very difficult to fund loan requests from various types of individuals including subprime borrowers facing foreclosure, international investors constructing hotels and resort facilities overseas and rehab investors lacking construction experience and the downpayment funds for the rapid property acquisition, repair and disposal. In every case, David's recommendations have not only been sound and useful, but included appropriate lenders for the situation.
--Will
Ron Dennis; Business Associate
David is one of the good guys. He always does what he says he will. I highly recommend him for anything.
--Ron
John; Litchfield, OH
Dave is an excellent subject matter expert when it comes to funding real estate deals. Whether it is residential/commercial, hard money or traditional lending, Dave exudes a wealth of knowledge and will invest his own personal time and guide you every step of the way.
--John
Liz & Matt; Everett, WA
Dave helped put us in a position that when my husband lost his job, we had six months worth of emergency reserves to live off of, and we didn't have to lay awake at night worrying about paying the mortgage! He thinks about the big picture while still caring about the emotional needs of his clients. When problems come up, he finds creative and reasonable solutions that work for all parties involved.
--Liz
Wendy Van Vechten; Business Associate
I first started working with David when I was at the Mortgage Store Financial in 2004. I found him to be most professional in the manner in which he conducted his business. He was creative, knowledgeable and accommodating. The people I referred to him also seemed most satisfied with the service he provided. I would highly recommend him to anyone needing his financial counseling when it comes to finding the best mortgage product for their needs and when seeking to reach their financial goals and objectives..
--Wendy
Mike; Seattle, WA
Dave has got a gift rarely seen in mortgage and financial professionals. He doesn't seem to see things in the box, nor in a straight line. Where most in the industry seem to be looking for the quick buck, Dave is thinking about how to make ME a long term buck. Putting together, and finding resources is what Dave does, and that is why I often go straight to Dave for business advise. I would highly recommend him to anyone looking to get connected in the real estate world.
--Mike
Marianne Soucy; Hooksett, NH
We used David's services to secure a complicated mortgage on our last property purchase, and would highly recommend him to anyone.
--Marianne
Paul & Nicole; Steamboat Springs, CO
Dave Donhoff can help you. He is a professional. I've been following his posts here for years, and finally used him to secure financing on my new home two months ago. He is not bargain basement, but his service, access to products, and dedication to looking at your "bigger financial picture" should make it worthwhile.
(Not affiliated, btw.)
--Paul
Christine; Lakewood, OH
It was overall an extremely professional, courteous, and stress-free process. I was so very impressed with the quick and informative responses to my answers. Including the very quick turnaround of delivering us some of our requested documents via email.
The appraiser was excellent, gave us a wonderful estimate and was very professional, courteous, timely, and friendly to deal with.
The title company was equally as pleasant to deal with. They were very timely and it was nice that they came to us, rather than us driving over to them. We really appreciated that.
We were taken from a very stressful situation, to being completely comfortable. We were so happy to have had this done. As well, we were treated respectfully and promptly, no matter how "small" our questions were.
I highly recommed No Bull Mortgage for all of these reasons. Thank you very much!
--Christine
Patric; Camas, WA
Best experience I've ever had. This is my 3rd home purchase in life so I've been through this a few times! The attention to detail was INCREDIBLE. HIGHLY recommended!
--Patric
Gary & Sheila; Auburn, WA
I was always treated in a professional manner by No Bull Mortgage. I was well informed at all times. They did everything they could to make the loan process as easy and stress free as possible. Great refi! No glitches.
--Gary & Sheila
Christopher; Stafford, TX
I first got to know Dave while reading a number of his posts on the web. I found that he answered people's questions regarding mortgages. So when I was finally ready to buy, I contacted him about a mortgage. Dave was very responsive and answered all my questions. I really felt he was looking out for my best interests. Basically, Dave delivered a mortgage at a great rate. During the process, a few snags arose because of things identified during the home inspection and an additional requirement from the mortgage company. Dave was able to extend my rate lock at no cost to me so that these issues could be resolved prior to closing. I was very happy with Dave.
--Christopher
Jimmy; Vienna, VA
Well, it's all done. I proposed our first night in the Bahamas and she happily accepted. We had a great trip and now are both excited about the wedding planning festivities.
I wanted to thank you for all of your hard work through that long refinance process. You played a very important role in our engagement because you helped free up the money for the engagement ring...and just in time too. I genuinely appreciate all of your patience through all of my indecisiveness and the overall length of the process. You were great to work with and it was a definite plus that you were on my side.
--Jimmy
Scott & Morganne; Kirkland, WA
I used David's services to purchase my house and then to refinance it. I referred him to my mother twice to refinance and to my wife's older son. I have known David for 8 years and he is an individual of high integrity. I have no complaints about his service and I recommend him to anyone.
--Scott & Morganne
Chris & Meg; Salt Lake, UT
Dave has helped my wife and I to refinance our mortgage and setup a HELOC loan. Despite the length of this process Dave has been very motivated, honest and helpful. When we first setup a refinance last year we discovered that we would have to pay a large prepayment penalty. Despite the time and expense (for title search, appraisal, etc.), Dave happily helped us to cancel the refinance he initially setup. He then worked with us to ensure that we met all requirements with our existing lender and then took the extra time to find an even better deal. He even took the time to help us to fix several inaccuracies on our credit report. Just last week we finally finished the whole process and got exactly the deal we were looking for including a few bonuses like a 6 month 4.5% interest rate and a signing company that came to our house.
Throughout this long and sometimes painful process Dave has been honest, helpful and AVAILABLE. He found us the best company for our needs and the cost to us was VERY reasonable.
He has helped to make a difficult and confusing process as simple as possible. I have recommended him to both friends and family looking to get a mortgage or refinance an existing mortgage. I highly recommend him. After going through this process twice with other brokers I can say that my experience with Dave has been - by far - the best. I have every intention of asking for his services again when we buy our next home.
--Chris & Meg
Brian & Marianne; New Hampshire, OH
Our processing was surprisingly smooth, actually - we did a double mortgage to avoid PMI, which usually means double the potential to go wrong. We were also on a rather tight time frame. Not a hitch. Dave was the one who warned us in advance to push for the builder to be ready for appraisal sooner than the appraiser, builder, or real estate agent thought was necessary. Good thing he did, actually - if we hadn't, our closing would have had to be pushed back for a builder issue that didn't come to light until the appraisal (exactly why he had us do it early.) This would have been a serious problem as we had to be out of our apartment exactly 2 days after closing. Any questions were answered in understandable language.
I know there are two ways Dave handles mortgages...one is "Transparent Wholesale " (see the site for more details) which is how we went, and the other is with quite competitive "Best Guaranteed " pricing. Dave under promised and overdelivered.
--Brian & Marianne
Benjamin & Katherine; Nederland, CO
Dave, you and your team have led us through a veritable maze of mortgage financing products with great care and compassion. We particularly appreciate the genuineness with which you approach the relationship and your amazing responsiveness, even on evenings and weekends. Our financial picture changed mid-way through our house-buying process and your willingness to change directions quickly was very helpful. Hopefully no whiplash was sustained!
--Ben & Kathy
John & Christina; Belmar, NJ
Throughout the whole mortgage process, from my initial e-mail to you all the way to being handed the keys to our first house, you were our source of knowledge and our roadmap to the sometimes overwhelming world of mortgage and home-buying. You handled all of our questions and concerns with patience, honesty, and a sense of humor. And got us great interest rates to boot. My attorney who sees closing papers all the time still said to us at closing, without being asked, that we had received fantastic rates. That was a good feeling. The entire process and the inevitable snags were dealt with professionally and promptly. I know you have a lot of clients but we never felt as if we couldn't get your attention when needed and we also felt as if you cared about our situation. And that was really what made the difference. I have already given your name to colleagues interested in re-financing and we will be coming back again as well. Thanks Dave.
--John & Christina
Danielle & Richard; Reseda, CA
Too bad the loan process is a lengthy one. If we got approved in 2 to 3 days (which we know is not possible) I'm sure we would have gone with NoBull. Love the fact that its mostly electronic. Don't loose hope on us David. We are coming to you first next year to review our refinance options. Thank you for your patience.
--Danielle & Richard