Dave Waldschmidt

I am a Certified Mortgage Advisor working with homebuyers, homeowners, and real estate professionals to evaluate the financial decisions involved in homeownership. I am licensed to originate residential mortgage loans in California.

Decades of experience in residential lending translate into knowing how structure, timing, and the cost of a loan influence mortgage financing and housing decisions.

I work closely with clients and referral partners to assess financing options, design mortgage structures that support long-range financial objectives, and interpret evolving market conditions through careful analysis and seasoned judgment. My work is defined by direct communication and preparation.

I collaborate with real estate professionals to keep transactions organized and efficient while giving clients a clear understanding of how mortgage choices influence their overall financial goals.

Through timely market updates and educational content, I share perspectives on interest rates, housing conditions, and long-range wealth considerations so families can approach homeownership with stronger financial insight.

Personal
You’ll usually find me with my wife Sue, our son and daughters, and close friends, often gathered around a backyard barbeque.

"I worked with Dave and his team as a first-time homebuyer and they were absolutely fantastic. Everything was so easy and so organized and I got approved super quick! They're stellar at communicating with you every step of the way which makes the whole process so easy for someone who's never done this before. They were amazingly supportive and I could tell they were genuinely excited for me! I was able to close on my new home in 20 days and they were without a doubt a big part of everything moving so quickly and smoothly. I highly recommend working with Dave & his team!"

Julie Lukoskie
First-Time Home Buyer

"Dave's been a fantastic consultant on our journey to purchase our dream home for retirement. His advice and guidance in taking advantage of a loan program to use equity in our current home to afford the full down payment on our new one was critical in making our dreams become a reality. He fully informed us of the benefits and risks. It turned out to be the best path forward for us. In addition, he and his entire team was a pleasure to work with, keeping us well informed along the way, and doing what they needed to do to close as quickly as possible. All around, this was a great customer experience. I'd highly recommend considering Dave for your mortgage needs."

Rob Quider
Home Buyer

"Dave Waldschmidt is the most trustworthy and reliable lender I work with. He consistently provides exceptional service to our clients, ensuring their needs are met with professionalism and care. I can always count on Dave to help make every escrow process smooth and stress free."

Beth Ellinthorpe
Real-Estate Agent

Dave’s Reviews

"Dave Waldschmidt is the most trustworthy and reliable lender I work with. He consistently provides exceptional service to our clients, ensuring their needs are met with professionalism and care. I can always count on Dave to help make every escrow process smooth and stress free."