Welcome to Dave’s mortgage analysis page. If you’ve had a recent change of income, added a member to the family, or just want to know about some of the new mortgage loans that have been introduced lately, this is the place. Fill out the 10 Easy Steps form below, or click here to email your questions directly to Dave. Either way, he’ll reply within 24 hours (weekdays) and send you a “Thank You” gift of a complimentary Starbucks coffee just for writing.

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I currently have a fixedadjustable mortgage at % rate. If Adjustable, adjustments begin in years. My loan amount is about $ and my house is worth $. My 2nd mortgage is about $ I got the 2nd mortgage when I purchasedafter buying the home I have lived in the house less than 6 monthsless than 1 yearmore than 1 year My goal is better ratecash outlower paymentconsolidate two mortgagespay off debtchange term of loan Add $ for cash out or debt payoff My new loan should be: An Adjustable fixed for the first 1357 years. Fixed Rate mortgage for 1015202530 years. My credit score is: Excellent (720+)Very Good (680+)Good (640+)Average (600+)Poor (600-) My income is:Self-Employed and provable for 2 yearsSelf-Employed for 2 years and cannot be verifiedSelf-Employed less than 2 yearsW2 hourlyW2 hourly not enough to qualifyW2 salaryW2 salary not enough to qualifyCommission and provable for 2 yearsCommission for 2 years and cannot be verifiedCommission less than 2 years I want a new rate that includes: No points, no feesNo points1 Point is OK My Realtor is (optional) My Realtor’s number is (optional)