Client stories

In their words, not mine

Every client gets the same survey after closing, including the question "what should we improve?" These are excerpts from their written answers. Names appear only where the client has agreed to it.

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Refinance · Repeat borrower

Christina wanted one thing. The other lender kept selling her a bigger thing.

Christina had done plenty of loans over the years. Her goal this time was specific: pull enough cash to finish a bathroom remodel and consolidate some debt, and keep her monthly payment about where it was. The lender she started with couldn't hit that target, so they kept pitching larger cash-out loans she hadn't asked for. Then they contacted her insurance agent for updated information without asking her first. The agent, Tina, called Christina to check, Christina said no, and Tina sent her to me.

We ran the Options Process. She chose the structure that did exactly what she'd asked for, and we closed it with her payment nearly unchanged.

I have had many loans over the years. This is the first I can say there is not one thing I would change. From start to finish I felt like a real person and not just another loan number in the system. You will not find better options.

Christina Mosco, refinance client, 2026

Our goal was to refinance with a lower rate, and we were able to save more than we expected. The ability to find lower rates at different lenders, instead of having access to only one. David was up front and honest throughout the process.

Anthony H., refinance

I felt like I was getting the runaround at the other lender, with worse rates. With David it was great: seamless, communicative. Communication, transparency, trust. I felt confident and will use him again.

Tyler A., purchase

Nervous and uncertain going in. Very comfortable and clear communication throughout. Prompt responses and very educational with the process and my options. I felt respected and cared for throughout the entire process.

Sean M., first-time buyer

I immediately felt like I had made the right decision and some of that pressure was lifted knowing that David was going to help us all the way until the end. It wasn't nearly as painful as I expected. Lots of questions, but he was very clear about what he needed.

First-time buyers, Arizona

I felt anxious going in. David made the process extremely easy, answered all my questions, and made it very clear which documents he needed. Amazing to work with.

Refinance client, Arizona

The survey asks what we got wrong

One client asked for a single app where all the documents could live instead of scattered links. Fair. That's being built. If you've worked with me and have something to add, good or bad, I want to hear it.

A family story

Tom and Lori, Payson, Arizona

My parents got a HECM, through another originator, before I was in the business. Their required mortgage payment went away (taxes, insurance and upkeep stayed theirs), a small monthly check started arriving, and the line of credit is the plan for care at home if it's ever needed. They told their kids before they did it and asked what we thought. That conversation is the reason I'll sit at your family's table too. More on that here.

A note on these stories. Every quote is an excerpt from a client's own written survey response. Christina has given written permission to be named; other clients are shown by first name and initial or anonymously pending their confirmation. Results described are those clients' outcomes and don't predict yours. I haven't closed a reverse mortgage for a client who's agreed to be featured yet; when I do, their story will be here with the same honesty.

You don't need all the answers to ask the first question.

Tell me what you're considering. A 15 to 30 minute conversation, then within one business day your options in writing, or the plain reason it doesn't fit yet and what would change that. No application, no credit pull.

The consultation and the options review are free. If you choose to proceed, third-party costs such as HUD counseling and an appraisal may be due before closing. Licensed in 20 states; see the full list below.

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Prefer the phone? 623-698-5294, Arizona time.