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I have been in the mortgage business since 1994 and focused initially on first time buyers with a heavy concentration in FHA & VA lending. Over the years I’ve learned the extensive guidelines of not only FHA, VA but also USDA, FNMA and FHLMC. Thru the years I have gained an extensive knowledge of residential lending and went through the process to become a Mortgage Planner. As my knowledge base has grown, I’ve expanded my client base and now find myself assisting a large number of Move up, Second home, Investment & Jumbo buyers!
Communication, clarity, and transparency throughout the whole process from start to finish . Aaron Kyle JACKSONVILLE, FL April 14 Rating: 5.0 out of 5.0 from Encompass
Communication, clarity, and transparency throughout the whole process from start to finish .
David communicated promptly even while on vacation! His team worked tirelessly to help my buyer close on time even when we had some last minute obstacles that could have set us back. Will recommend David for future clients. Kim JACKSONVILLE, FL April 14 Rating: 5.0 out of 5.0 from Encompass
David communicated promptly even while on vacation! His team worked tirelessly to help my buyer close on time even when we had some last minute obstacles that could have set us back. Will recommend David for future clients.
Professionalism, informational and personable . Jonathan WHITE OAK, GA April 10 Rating: 5.0 out of 5.0 from Encompass
Professionalism, informational and personable .
Everything from answering every question had to the detail that was given to me and my wife. I would always recommend David and Shannon to anyone . Brendan Shane JACKSONVILLE, FL April 10 Rating: 5.0 out of 5.0 from Encompass
Everything from answering every question had to the detail that was given to me and my wife. I would always recommend David and Shannon to anyone .
Very smooth transaction and great service! VICKI JACKSONVILLE, FL April 09 Rating: 5.0 out of 5.0 from Encompass
Very smooth transaction and great service!
Great communication and everything went to closing on time. Debbie WHITE OAK, GA April 06 Rating: 5.0 out of 5.0 from Encompass
Great communication and everything went to closing on time.
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.