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Ask me a mortgage question

Not quite ready for a conversation? Tell me your question or your situation. I read every one myself and answer by email within one business day, Arizona time. If a call would help, I'll say so, and you decide.

Your name

Phone Optional. Add it only if you'd rather I call or text than email.

State the property is in

What's it about?

Your question or situation Ages, a rough home value, and any mortgage balance all help. Please don't include Social Security numbers, account numbers, or documents here; I'll never ask for those by email.

I agree that David Martel may contact me about this question by email, and by phone or text message if I gave a number. This is not an application and does not affect my credit. I can reply STOP to end texts at any time. Message and data rates may apply.

Your information is used only to answer your question and is never sold. See the privacy policy. Answers are general education, not a commitment to lend; all loans are subject to credit approval. Sending a question does not add you to a mailing list.