# Dave the Mortgage Guy (David Martel, NMLS 2521668)

> Reverse mortgage (HECM) specialist and mortgage broker with Barrett Financial Group (NMLS 181106), based in Chandler, Arizona, licensed in 20 states: AZ, CA, CO, HI, KS, KY, MD, MI, MO, MT, NV, NJ, NC, OH, OR, SC, TN, TX, UT, WA. Serves homeowners 62+ and their families, financial advisors, and self-employed borrowers. Positioning: "For people who need a mortgage built, not just approved." Free consultations; the Options Process returns 1 to 3 options within one business day.

Contact: 623-698-5294 · dmartel@barrettfinancial.com · Book: https://davethemortgageguy.loans/book/ · Ask a question: https://davethemortgageguy.loans/ask/

## Reverse mortgages
- [How a reverse mortgage works](https://davethemortgageguy.loans/reverse-mortgage/): HECM mechanics, eligibility, payout options, rates, protections, costs, process, FAQ
- [HECM for Purchase](https://davethemortgageguy.loans/reverse-mortgage/for-purchase/): buying a home with a reverse mortgage
- [For adult children and families](https://davethemortgageguy.loans/reverse-mortgage/for-families/)
- [For financial advisors](https://davethemortgageguy.loans/reverse-mortgage/for-advisors/): HECM line of credit in retirement income planning
- [For senior communities and centers](https://davethemortgageguy.loans/reverse-mortgage/for-communities/): host a free, no-sales HECM education session
- [Community session for residents](https://davethemortgageguy.loans/reverse-mortgage/community-session/): what the 45-minute session covers
- [Upcoming events](https://davethemortgageguy.loans/events/): dates and RSVP pages for free reverse mortgage education sessions
- [Costs, protections and obligations](https://davethemortgageguy.loans/reverse-mortgage/costs-and-protections/)
- [Reverse mortgage estimator](https://davethemortgageguy.loans/tools/reverse-mortgage-estimator/)

## Self-employed and other lending
- [Self-employed mortgages](https://davethemortgageguy.loans/self-employed/): bank statement, asset depletion, DSCR, P&L loans
- [Other loan programs](https://davethemortgageguy.loans/other-loans/): first-time buyer, conventional, FHA, VA, jumbo, refinance, construction, ITIN, USDA

## About and process
- [How it works: the Options Process](https://davethemortgageguy.loans/how-it-works/)
- [About David Martel](https://davethemortgageguy.loans/about/)
- [Client stories](https://davethemortgageguy.loans/client-stories/)

## Guides
- [Conventional Loans in Phoenix: 2026 Requirements, Builder Credits and How to Drop PMI](https://davethemortgageguy.loans/learn/conventional-loans-phoenix/): Conventional loans around Phoenix in 2026: credit and debt rules, 3% down options, how much a builder or seller can pay, PMI removal and when FHA wins.
- [DSCR Loans in Phoenix: Qualify a Rental on Its Rent, with West Valley and Phoenix Numbers](https://davethemortgageguy.loans/learn/dscr-loans-phoenix/): How DSCR loans work on Phoenix area rentals in 2026: the ratio, local examples with HOA and CFD costs, typical lender rules and Maricopa County landlord rules.
- [Buying Your First Home in Phoenix and the West Valley: Down Payment Help, FHA, VA and New Builds](https://davethemortgageguy.loans/learn/first-time-home-buyer-phoenix/): Buying your first home around Phoenix? Compare FHA, conventional and VA, see the Maricopa County down payment programs open now and what new builds add.
- [Self Employed Home Loans in Phoenix: How Lenders Read Your Business Income in 2026](https://davethemortgageguy.loans/learn/self-employed-home-loans-phoenix/): Self employed near Phoenix? How lenders count S corp, LLC and Schedule C income, what they add back, and when a bank statement loan qualifies you for more.
- [The Bank Said No. We Got Him Approved Anyway, Using His Assets, Not His Income.](https://davethemortgageguy.loans/learn/asset-depletion-mortgage/): High earners are often the hardest to approve. Asset depletion turns retirement and brokerage accounts into qualifying income - without selling anything.
- [Cash to Close Is Not The Same As Closing Costs: Where Most Buyers Get Burned](https://davethemortgageguy.loans/learn/cash-to-close-vs-closing-costs/): Closing costs and cash to close are not the same number. Here's the difference, what drives it, and how to plan for it before you're under contract.

## Tools
- [Mortgage payment calculator](https://davethemortgageguy.loans/tools/mortgage-calculator/)
- [Cash to close estimator](https://davethemortgageguy.loans/tools/cash-to-close-estimator/)
- [Rent vs. buy calculator](https://davethemortgageguy.loans/tools/rent-vs-buy-calculator/)

## Compliance
Dave The Mortgage Guy powered by Barrett Financial Group | David Martel | Mortgage Loan Originator | NMLS# 2521668 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AZ 0904774 | GA 181106 | MA MC181106 & MC181106 | MO 181106 | OR | PA 92105 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | VA MC-7357 & MC-7357 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106