David excels in achieving the highest level of service for both clients and strategic partners with proven leadership, unmatched expertise and consistent on-time closings. Born and raised in Houston, David graduated from the University of Houston. David enjoys spending his limited spare time with his family, running marathons, reading, and volunteering at his church with his wife.
David is an accomplished management professional qualified by 25 years Mortgage Lending experience. He is successful in managing production for conventional, FHA, VA, Jumbo, and construction loans in a highly competitive market. David also brings an extensive background with new construction financing, and retail branch production.
Whether you are buying a home for the first time, purchasing an investment property, looking to renovate, or refinancing your home loan, our commitment to you is to leverage our experience to navigate the complicated marketplace and find the highest quality home loan that fits your unique situation and needs. Our team is not only dedicated to finding the right loan for you, but we will also ensure you are getting some of the lowest mortgage rates available. We pride ourselves on the collaborative relationships we build, and through every branch of our lending family, you will experience exceptional quality from start to finish.
Excellent job, thank you for the help or looking for a way to get my new house, excellent everything.
Lorenzo S B
On my experience I’m very grateful and thanks to all of your team!
You’re on point, everyone understands his/her assignment and the best lender for medical practitioners.
Christine N E
David and his team kept us informed and on track. He closed our loan in 10 business days. That is exceptional !!! He talked the mystery out of the home-buying process.
David's follow up is impeccable! Love working with him.
Overall great experience.
David is an excellent professional.
Very professional buyers are always happy 🔑🏠
Thanks to the team my home purchase experience was stress free and quick especially through the holiday weekends. The expertise and willingness to help is unparalleled, thanks again.
Thank you for all your hard work during this transaction.
Very easy to work with!
Quick response rate. Helped meet an aggressive closing deadline with minimal fuss. Would work with them again.
Great experience due to great communication!
We really appreciate all the hard work that everyone put into helping us to get our home refinance.
They did a great job!
An awesome group of professionals to work with. You guys got us to where we needed to be, and we have our home now because of you!
David and his team were outstanding from the first contact through closing. We had a great experience!
David was very professional. Clear lines of communication and provided a smooth process for my client.
David kept me informed of the status of his process weekly. That was great.
Great job on getting a CTC super quickly!! It was a pleasure working with you.
David and his team did an amazing job, you guys made this experience so much easier. As a first-time home buyer, I was very nervous and didn’t know what to expect, but they help and explained everything. Thank you so much guys.
David is a wonderful person to work with and give awesome excellent service and Very knowledgeable.
Thank you so much for all you have done to get us in our home!
We had a great experience!! It was our first new home purchase!!!
I cannot say enough about how professional Interlinc was in assisting me in purchasing my home. David and his staff are very experienced and will navigate you through the loan process seamlessly. They explain and prepare you for each step so that your loan can be approved. I highly recommend selecting Interlinc for your next home purchase.
Fantastic experience from start to finish.
Enjoyed working with you again David!
David and his associates were very communicative and kept everyone aware of how the transaction was progressing.
Great Service as always.
La verdad muy buena experiencia solo algunos detalles pero todo muy bien. 👍
Great job, very professional.
They made the home buying process quick and easy! Very professional.
Overall, the Interlinc team was great!
David's team was great. They kept me up to date on the progression of the loan.
Gracias por todo gracias a Elizabeth que me ayudó pasó asta el final y gracias.
Great people to work with!
Great communication with a passion to serve the customer and perform better than expected.
Pleasure working with everyone.
The process was so easy, and David’s team made sure the experience was excellent! Ana was always super helpful and responsive! By far the best financing experience we have had. Thank you for making our new home possible!
You guys are the best!!
The Interlinc team was attentive and available even through weekends. Couldn't have asked for a better hard-working team. Thank you.
Mr. Rodriguez was extremely proactive thru out the loan process and very responsive to my questions.
David, Thanks for a great job with my client. I have another client to refer. Thanks again!
It makes the process to be easy, thanks.
I have good experience to David and crew members.
David and his team always provide great service.
David's group was great to work with. Had a great experience.
The process was well organized...Thank you!!
Looking forward to the next transaction with you guys.
Excelente compañía de préstamos, fue súper fácil aplicar con ellos. La recomiendo por el buen servicio y el trato excelente hacia sus clientes.
The client David and his team were working with was extremely detail oriented and they helped her breeze through ever step all the way to closing!
Excellent attention, very professional, very grateful for your help, especially for the attention of Miss Elizabeth.
I really appreciated how easy it was to sign documents through emails. For those that aren't technology savy, Interlinc made it very simple.
I had used David to buy my home 5 years ago and just returned for refinance. No one could compare to David and InterLinc. They made home buying and refinancing worry free. Thank you.
David was fantastic all around. He was very flexible with his time in and out of work, which was very appreciated. David took his time to explain everything to me precisely and never seemed annoyed by my calls or messages.
David and his team answered all of our questions and explained everything thoroughly. Being a first time home buyer, that was very comforting! I would recommend them to anyone in need of a lender.
Was able to get our loan completed with ease when others couldn't. Quickly got us documentation for our loan in an afternoon so that we could make an offer on a property. Very responsive to all our questions.
Everything went very smoothly. Everything went very efficiently. David demonstrated from the very beginning that he was glad to have me as a customer and made me feel as if i was his only customer.
We were very happy with David. He is professional and knowledgeable and took his time in explaining the process for us. He answered all of our questions. We really enjoyed working with him.
A conventional loan, or "traditional" loan, is a conforming mortgage that follows the guidelines put in place by Freddie Mac and Fannie Mae.
620 min FICO
Down Payment Options:
- 3% First Time Home Buyer
- 5% Primary Residence
- 20% Investment Property
- 10% 2nd Home
Max Loan Amount $726,200
A conventional 97% LTV (loan-to-value) loan is similar to the traditional conventional loan; however, this specific program allows prospective home buyers to purchase a home with only a 3% down payment. To qualify, the following guidelines must be met:
*Other restrictions may apply.
A conventional 97% LTV (Loan-to-Value) loan is an attractive option to first-time home buyers as the qualifying guidelines typically meet their home buying profile. Another benefit of this loan program is that it allows for its entire 3% down payment to come from gifted funds; however, the gift must come from a person related to the borrower by blood or marriage, or the borrower's legal guardian, domestic partner or fiance/ fiancee.
A great government-backed loan for first-time homebuyers or those with higher debt-to-income ratios. FHA loans have flexible qualifications and only require a small down payment.
580 Min FICO
Max loan amount $472,030 (can vary per county)
FHA Mortgage Loan Limits website: https://entp.hud.gov/idapp/html/hicostlook.cfm
Minimum Required Investment (MRI) of at least 3.5 percent of the Adjusted Value.
1.75% UFMIP (Up Front Mortgage Insurance Premium)
.85% MIP (Monthly Insurance Premium)
A VA loan is a mortgage option, guaranteed by the Department of Veterans Affairs, for Veterans who meet the VA's guidelines for military service. VA loans offer low upfront costs for Service Members, Veterans, and eligible surviving spouses.
*To determine your eligibility to participate in this program, just provide your Certificate of Eligibility (COE) or your Discharge/Separation form (DD214). If you do not have your COE, you can request one using form 26-1880.
600 Min FICO
VA Funding Fee - The veteran pays a funding fee to help defray costs of the VA Home Loan program.
VA Funding Fee Table: https://www.benefits.va.gov/homeloans/documents/docs/funding_fee_table.pdf
VA Funding Fee may be rolled into the loan amount
USDA Loans are available to millions of eligible primary home buyers with low to moderate incomes. For homes located in an approved rural area as defined by the USDA. USDA Income and Property Eligibility Site: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
This mortgage option was developed to promote the purchase of homes in rural areas with low mortgage insurance. USDA Loans are backed through the Rural Housing Division of the U.S. Dept. of Agriculture.