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Top 50 mortgage lender
Mortgage Banking Administration Member
Green Mortgage Lender


Who I Am;

The level of passion and commitment that I bring to helping others through my Profession can be summarized in four words – “Best In Class Service!”

Every client is unique, with individual needs. They deserve to be understood, and to be treated as though their loan is the most important transaction in my care. I strive for that with every single client – and I think that is why my clients return, time after time.

I believe this is what sets me apart from the multitudes of other loan officers out there – and it defines how I approach the experience you will receive when working with me.

Whether you are a Home Buyer, Owner, Realtor®, or Title and Escrow Professional, we are all part of a single Team with one goal – to turn Homeownership dreams into reality.

I am also a master scuba diver, and a Member of the US Coast Guard Auxiliary with over 17 years of active service to my Community and Country.

My passion for helping others is at the core of everything I do –

How can I help You?

Turning Houses into Homes™


⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Dave was amazing, responsive and friendly. The whole transaction was almost too easy. After poor experiences with another company Dave exceeded our expectations. I would definitely recommend.

Candi H

⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Dave Cotner was able to navigate my loan through some unique and complicated circumstances. He stuck with me through the entire loan process keeping me updated and informed. His expertise was invaluable. I would use him again should the situation arise. He was patient, friendly, helpful and hard-working throughout the loan process.

William R

⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Dave took over when our bank dropped the ball. He still managed to close on time and made sure everything went through smoothly.

Teresa D

⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Dave kept us informed every step of the way. He was always available to answer any questions that we had. Re-financing our home was quite painless!

Daniel S

⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Good consistent communication. Handled a tricky timeline very nicely which minimized stress for all.


⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Dave kept us informed every step of the way. Dave was always available to answer any questions that we has. He also accomplished all of the loan details within the timeline he established for us.


⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Dave was always on top of getting business done. He never let up even after 5 months of being in escrow. It was Brutal, but Dave got us through it and made things happen. We are very grateful for his service.

Carl R

⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Dave consistently stayed on top of the process and kept us informed of what we needed to do and where we were in the process of buying our home. He was always able to be reached and replied to any questions quickly. Best experience I have had buying a house by far!


⭐️ ⭐️ ⭐️ ⭐️ ⭐️

Dave has been awesome since the beginning of our home buying journey. He’s been available any time to answer questions or give advice, and his communication is top notch. We never had to wonder what was going on because Dave never left us in the dark about anything. My husband and I will not hesitate to seek Dave’s help in the future and we’ll be sure to recommend him to anyone we know.

Brigitte G

⭐️ ⭐️ ⭐️ ⭐️ ⭐️

The type of loan I needed was not offered by his company so he gave me education, options and referrals. Then he followed-up a few times by emailing to ask about how it was going. When I had questions, he gladly helped. His follow-through was exceptional.

Katherine R


We will get you a great rate, save you time, and eliminate worry.


We give our customers the best loan options.




A leader in mortgage lending since 1993.



We are a top 50 lender and growing.


Finding and purchasing your new home is a SNapp!

Search for a home, apply for a mortgage, calculate mortgage options, securely scan paperwork, and track your loan progress with SNapp Home.


Real Estate Agents

Contact me to find out how you can get
your own co-branded app for your clients.



Conventional Loans


VA Loans


Jumbo Loans


Non-QM Loan


FHA Loans


USDA/Rural Housing


New Construction


Investor Loans


Reverse Mortgage


Adjustable Rate Mortgages


Down Payment Assistance


Renovation Loans

*Loan programs can vary. Please contact me for more information about loan programs available in your area.


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