Many Americans dream of owning their own home or growing their financial portfolio by acquiring more residential or commercial property. But the banking and loans system can often be too tedious for the average buyer or investor. This growing pain point gave rise to the services of people like David J. Howie. He has successfully hacked the consumer market and made the process simpler to help aspiring homeowners access knowledge that would help them save considerable dollars over the long term.
Based in Serene South Lake Tahoe of the golden state, California, David J. Howie, MSFA, is a licensed mortgage broker serving the city’s people with utmost dedication for over two decades. David brings a level of excellence and experience through his company that puts him in the top percentile of mortgage brokers in the region. In an interview, the trailblazing broker shared his secrets.
He shared, “It’s simple. I’m an independent mortgage broker with access to wholesale rates, and I mark up my fees 50 bps to 100 bps less than everybody else does. So in essence, what that means is that a $500,000 loan would carry a fee that would generally be anywhere between $2,500 to $5,000 less than most people in the industry.”
To sweeten the deal for his clients, David places a wager and offers to pay $1,000 if he cannot help aspiring homeowners find a better mortgage rate. Curious to prove him wrong and cash in the prize, many aspiring homeowners seek his expert broker services, and in the end, they leave satisfied with a far better rate. To date, David is still yet to part with a single dollar of the grand prize, an attestation to his skills as a mortgage broker and his dedication to providing optimum customer satisfaction.
To ensure that only the best rates are afforded to his clients, David combines his educational background as a master’s degree holder in Financial Analysis from the University of San Francisco and his years of field experience in the housing and loans category with his inside experience as the Chief Financial Officer of a significant mortgage banker in the industry. These experiences exposed him to all the ins and outs of the world of finance and gave him an in-depth knowledge of what goes into the macro and micro workings of housing loans. As a result, his company has soared to the top as the leading mortgage brokering company in ensuring optimum clients satisfaction by providing the best possible rates.
Currently, the financial guru manages iFinance Real Estate, a DBA of Aston Morley Real Estate services helping tens of thousands of clients find the best properties in California’s South Lake Tahoe area and match them with competitive home mortgage rates. The company also serves clients in the surrounding area, including Sacramento, Placer, El Dorado, and other close California counties.
For David, it is more than just business; it is his passion. The thought of millions of Americans struggling with their monthly payment because they could not find the best deal keeps him up at night. Accordingly, he has made a personal conviction to make that less of an occurrence in California by pushing the industry to give buyers and investors rates that would drive a homeownership revolution in one of the best property markets worldwide.
Learn more about David J. Howie by visiting his website.