Dave and his team were so on top of my purchase of a below-market rate unit in San Francisco! He navigated the City's byzantine requirements with ease, and pushed back on some requirements that he felt were unnecessary. He was professional throughout, was super communicative, and answered my [many] questions with great patience. I will indeed work with Dave in the future!! read more

David is an exceptional individual who has patience and professionalism. In addition to being a loan advisor, he is a great financial advisor. I first met him when I wanted to purchase my house in 2022, and as a first-time homebuyer, I had little understanding of the associated processes and procedures. David patiently explained everything to me, guiding me through each step. He coordinated effectively with my real estate agent and various agencies to ensure the successful closing of the sale. In late 2025, David proactively reached out to advise me that refinancing would be advantageous. Since this was my first experience with refinancing as well, he took care of everything from A to Z. I was extremely satisfied and happy with his service. I wholeheartedly recommend David to anyone, whether they are knowledgeable or have numerous questions, as he is someone you can trust. read more

Dave and his Team is the best. As a first home buyer, they made the process very easy and smooth from the day he first contacted me till the closing date. Him and his team has been very helpful in answering any questions you may have or unsure of. They help you out throughout the process and always straightforward to the point of what you need to process everything. Highly recommend Dave for handling your loan process for buying a new house. Their loan fees are very fair and they explain everything to make sure you know what to expect. read more

David is professional, communicative, transparent, and looks out for the best interest of his clients. My wife and I are extremely appreciative of David and would fully recommend him to anyone looking for a good lender to work with. read more

WE ALMOST MISSED OUT ON OUR FIRST HOME!!! due to errors from the seller's mortgage company right before closing. Their lender failed to do proper due diligence, which almost prevented the sale. However, David's expertise and decisiveness were key in closing escrow, forcing the seller to move forward despite their mortgage issues. David's attention to detail and unwavering pursuit of completeness were crucial for a smooth escrow process. Given my more complex financial situation, he conducted an extended pre-approval, making sure everything was in order before we even started house hunting. Despite numerous stipulations and requests from the opposing parties, David delivered on his promises, leaving no room for cancellation. He closed escrow in just 20 days, despite all the challenges. Thank you, David--my family is truly grateful for your hard work! read more

My experience with Dave was by far the worst part of purchasing a home. I hate to be sour grapes and am usually a very reasonable conflict-averse person but Dave was extremely unprofessional and rude. I avoided writing a review because frankly I feel PTSD just thinking about our experience but now that we are refinancing our home with another loan officer, the experience is entirely different and I feel this needs to be said. Dave and his team made a huge number of clerical errors on our paperwork- our names were misspelled, our old address was incorrect, the list goes on and on. My husband and I are detailed. We read the fine print. We pointed these errors out. We also had questions. A lot of them. I'm a doctor, my husband an engineer. I'm not saying we are geniuses but we certainly are not dumb. The process of buying a house is confusing and unfamiliar. Dave was extremely short answering our questions and made us feel stupid for asking them. It became very obvious at some point that he was getting really tired and frustrated with us. I get it. I know we were not "easy" clients. We stayed up, read ALL the documents, tried to understand as much as we could. And I could even forgive the clerical errors. But what was NOT okay was the attitude. Let's not even mention that he was late to our meeting and the tension was so palatable that he did not show up to sign when we closed. Here's the cherry on top: Somehow, one of his email messages to someone on his team was copy/pasted into our loan documents. In it he lists the mistakes on our documents that we wished to be corrected (names misspelled, address incorrect, number of years incorrect), then says "This has got to be the most ridiculous requests I have ever seen." When we read that (mind you, we read it all together, out loud, at the Title Office with our real estate agent and Title Officer), the room quieted in shock and someone said, "I'm so sorry." For your viewing pleasure, I have uploaded a snapshot of said documentation. Obviously, we didn't jive. And it happens. But I truly expected at least some amount of respect and professionalism. We walked away after closing our first home with a sour taste in our mouth because of Dave. It really ruined the experience for us. And while I can admit that we were a detailed, hard couple that would not let errors go unnoticed, we were painstakingly polite and respectful the entire time. It would have been nice to get the same treatment back, especially as a client. And really, is it that ridiculous to want our names to be spelled correctly?? read more

Dave Byrd - CrossCountry Mortgage - Dave's email copied into our closing documents, complaining about our requests to correct the misspelling of our names and addresses. - Mortgage Brokers Near Me - Berkeley, California

I always give credit where credit is due. Dave deff deserves the praise. I had the pleasure to work with Dave on my home loan process and I have to say I was grateful to have had Dave as my loan officer and wouldn't do it any other way. Dave was very professional, knowledgeable, communicative, resourceful, honest, and patient. He has tons of experience in the loan business getting loans approved even in very difficult scenarios. As a firs time home buyer, I was clueless about the home loan process and escrow. Dave answered all my questions and phone calls from start to finish. He also met with me in person in his Berkeley office. He followed up promptly and offered great advice and insights the entire time. I know I had options to go through the loan process with the banks. But they always gave me the runarounds. Delayed emails and unreturned phone calls. I was left frustrated. With Dave and RPM, it was never the case. In order to make sure my offer gets accepted, Dave called the seller's agent countless times to ensure my loan was pre-approved and ready to fund. I had a very tight escrow deadline. He and his team worked above and beyond around the clock to meet the deadline. Without Dave and RPM, we would not have been able to close on time. For a superb personable stress-free loan experience, contact Dave! He is always there to help and will work to the best of his ability to get your loan approved. Highly recommend! read more

Dave and his team were incredible, helping us close on our first home in 21 days despite some twists and turns. They were very responsive and trustworthy, and we can't recommend them highly enough! read more

Worked diligently to get loan approved quickly. Dave was consistently looking out for us in a volatile market with fluctuating interest rates and helped lock our loan in at a reasonable rate. He might be burning the midnight oil because he was quick to respond at all hours of the day and didn't let a question go unanswered. Also, he helped provide a loan structure for new homeowners that helped us qualify based on our assets in a highly competitive East Bay market, and has had a lot of experience with many clients in the Berkeley/Oakland area that allows for quick turn-around times in Escrow. We closed in a little less than 3 weeks because of this attention to detail. Just make sure to have all your financial statements and docs ready to upload! read more

We just worked with David again as we worked with him to get a new loan for a home purchase funded. David is an expert in the field and very thorough. He is also very accessible for a quick phone call/txt when we had questions. We were fully underwritten for-our pre-approval and when our offer was accepted he was able to get our loan funded in 21 days. Working with David gave us the peace of mind that all aspects were being considered as we were looking through our financials to determine our loan. read more

About Dave Byrd and RPM... Some of thee best people I've ever worked with! He worked with my brother and myself with refinancing and made it happen. My situation was a lil more complicated, but Dave and his team got through all the obstacles and got the job done. My rate is so great, I can't tell you. Seriously, I highly recommend Dave Byrd and RPM Mortgage to anyone who's looking to refinance a home. Get on that ASAP! Wayman B. read more

Dave is the man! Got my loan done even though I was in a different state and kept me appraised of where everything was in process from start to end. This is the second time I have used Dave for a loan and it was just as easy working with him out of state as it was being right there. If you need a loan, don't hesitate to call Dave. He will take good care of you. I would not hesitate to use him again read more

Dave was introduced to us by our real estate agent, and they basically both made it possible for us to move in "the house of our dreams"! A year later, Dave and his team just helped us secure funds for our upcoming big remodeling. It has been a pleasure dealing with him all along: details were ironed out quickly, paragraphs explained, credit checks were done as we preferred, and we always got a fast response when we had a question. I absolutely recommend his office. read more

Dave and his team were fantastic, they helped me navigate this crazy housing world of 2022. I cannot thank Dave, Rafa, and Nikole enough - they made an insanely complicated world so much easier for my little brain. Thank you!!! read more

Dave & his team were fantastic to work with through our loan buying process. We were originally pre-approved through a different lender but my realtor recommended Dave and we were so happy she did. Dave was able to go a step passed pre-approval to get us advanced approved which helped us in the competitive Easy Bay market. He was available for any questions and always took time to make sure we understood the process and next steps. I know the steps he took in advance of us making an offer set us up for success. We ended up getting a low rate and closed within 21 days. I would highly recommend working with Dave and his team and I would work with them again. read more

We were selling our BMR condominium and accepted an offer from a couple who just moved to the Bay Area. My realtor suggested David Byrd for them as he was also familiar with Below Market Rate housing. Although the City seemed to get caught up on the buyer's income, he was successful in keeping the process moving forward. Two grateful families. read more

David is super helpful and fast. He made the loan process as simple as possible. I definitely would recommend. He must work all the time because he was available almost any hour of the day. If his rates are just as good I don't see any reason to go to anyone else for financing. read more

Dave & his team worked at lightning speed. We had an extremely tight deadline to close which was nerve racking for us, however Dave was very responsive and proactive about moving the needle forward every day. As first time homebuyers, we also really appreciated his patience and willingness to help us understand the process. 10/10 would recommend. read more

Dave and his team were awesome to work with in October 2019 as I embarked on the intimidating journey of securing a mortgage loan as a first-time homeowner. Dave and team were extremely timely and thorough in answering my questions and explaining processes and terms that were completely foreign to me. I also appreciated their use of a secure online web portal to facilitate the submission of application documents and signatures. It made things much easier. Months later (September 2020), I turned to Dave and team for a refi. Once again, I benefited from their professionalism, diligence, and patience. I appreciate them and wholeheartedly recommend them. read more

We've been working with Dave and his team at RPM for 4 years now. It started with our first home purchase, then multiple refis, and, most recently, the purchase of our second home. There is a reason we keep going back to Dave and the team at RPM- they are A-1 top quality folks with industry savvy and commitment to the relationship. Dave takes the time to explain things clearly and succinctly, and encourages us to ask all the questions we need to make decisions about how to proceed. Dave is personable and kind, while making sure that deadlines are met and that we are in the best position possible. In today's Bay Area real estate market things are HIGHLY competitive. The acceptance of our offer on our most recent home purchase was due largely in part to Dave and his team's ability to complete a 21-day close and to get us the financing we needed to be competitive. Dave worked tirelessly with us to pull on relationships he has in the industry to insure that we got the service we needed. I cannot say enough about Dave and the folks at RPM. We are clients for life and we send everyone we can their way. Do yourself a favor and give them a call- they'll take care of you. read more

David is an absolute Rock Star ! He and his team are quick and professional. I've used their services a few times now and each time is better than the previous. Call dave he's a straight shooter if he can do it he will. Best lending team ever! read more

As always, a pleasure working with you! Appreciate you and the teams professionalism and attention to detail in seeing the process through to end. I've worked with Dave anytime I need a refinance because he gets the job done read more

As an educator, I really appreciated that Dave took the time to patiently explain every tiny detail each time I had questions. This was my second time working with his team; the first time was for a very low-priced purchase, and he never made me feel like that purchase was any less of a priority. When that one did not work out, he kept in touch and helped me prepare for a new approach three years later. Dave and his team are hardworking, detail oriented, and amazing communicators. If you have never been through the process of getting a mortgage before, RPM and Team Dave are a great way to learn and feel confident about the experience. You will come away knowing more as a homeowner and feeling like real people had your back. read more

Dave was a tireless mortgage broker, working to ensure that all of the details of our complicated loan were done properly. We had a lot of moving parts in our loan: multiple people on the mortgage, gift funds, etc and he and his team were able to sort through all of the paperwork and fund the loan on time. It was easy to trust that he was finding us the best rates for our situation. He also introduced us to our real estate agent, who ended up finding us the house we moved into! Overall, highly recommend Dave for simple or complicated mortgages or anything in between. read more

Tired of the banking industry B.S? Your troubles are over! RPM, Dave Byrd in particular, will work his rear off to make sure (and practically guarantee) everything will be handled professionally, timely and as easily as the entire process SHOULD be. I don't have very kind things to say about the banking industry on the whole, but I have only wonderful things to say about my experience at RPM. I would not consider going anywhere else for mortgage lending. If there is money to be saved, Dave will find it. Not only will he save you money, he will take the time to sit down with you one-on-one to explain the entire process with you so there are ZERO questions. Who bothers to do that anymore? Right, nobody. Except Dave and his colleagues at RPM. If you're in the market to purchase property, do yourself the favor and call Dave. read more

Dave and his team were fantastic to work with. He helped us explore our options, get a great rate, and deal with a couple last minute covid related curveballs Plus he was one of the only lenders who could do a jumbo mortgage during covid. My buddy also ended up using Dave for a refi when his bank said they couldn't do anything during the time read more

We met Dave in 2012 and I must say, we met a guy who was determined to provide us with the "BEST" service possible. He is very professional, he knows the business of lending, and he's honest. We've also referred our friends to Dave, and they've said the same things we're expressing about him. We will continue to refer our friends and family who are looking to purchase a home or refinance their current home loan to Dave. Excellent work Dave and the troop at RPM Mortgage Company. God Bless you folks. Anthony read more

My family and I have work with Dave and his team on more than one occasion. I cannot thank the team enough. Throughout the whole process it was stress free! They manage to take care of almost everything~ Dave goes above and beyond to make sure his clients get 5 Star service! I highly recommend Dave and his team!! read more

Dave and his team are amazing! From the first time I spoke with Dave about possibly purchasing a home he took care of me. I didn't think I was going to be able to purchase a home for years because of some credit issues which included a bankruptcy, but Dave made it happen... and not in some shady way at all. Dave was always 100% honest with me and told me what I needed to do to make our dream of home ownership a reality. He worked with me for a few month prior to my purchase to make sure everything went as smooth as possible. During the buying process, Dave and his team were "on it" the entire time. 5 stars aren't enough to give Dave and his team! read more

Dave is a great broker to work with, as he is very straightforward, fair and patient to explain everything. We had a fairly complicated transaction that would have been a nightmare without his expertise to navigate it all. I would certainly recommend him. read more

We have worked with Dave and his team several times, and it has always been a great experience. He provides stellar customer service and clear and timely guidance. We would definitely work with him again and recommend his team. read more

This is the second time we've worked with Dave and his team; we did back in 2016 when we purchased our house, and then again this year to refinance. Both times he and his team provided exemplary service; they were always very responsive, took the time to answer our many questions and discuss options, provided clear advice, and ensured we always had a heads up about next steps in the process. Would highly recommend working with them, and wouldn't hesitate to do so again myself. read more

Let me start off by saying that I was unable to close using Dave Byrd and I'm STILL writing a review on his execution. I started working with Dave back in March of '22 and was impressed by his eager and enthusiastic personality. Dave was always available to answer my questions and as we are all living through one of the worst experiences as a homebuyer with the feds jacking up the rates, he was there to help me, reassure me and do everything he could to make sure I was taken care of, whether it was locking a good rate, reassuring me things will work out or answering the numerous questions that I had. I'm purchasing a new build, so Dave has been working with me for at least 7 months, from pre-qualifications to finalizing. Dave has integrity and stands by his commitments. He is clear and up front in his disclosures so there was no confusion, ever, in the process. It left a sour taste for both of us that I could not close with him as I made a mistake and was looking at a significant fee if I chose to close with Dave, which is unfortunate because Dave's package was better, not by much, but better than the one I had to go with. I highly recommend Dave and his team if you are looking for a home mortgage or refinance. I'm definitely optimistic that rates will hop off the roller coaster and hopefully go down and when that happens, I will reach out to Dave for a refinance! read more

David and his team were everything we could have asked for: professional, engaged, accommodating and very effective at saving us a lot of money! Especially during a time of global anxiety, they shepherded us through the process with a high degree of sensitivity. read more

Refinanced and Dave helped me through this again! Ditto on everything I said before. Thanks, Dave!!!

As a first-time home buyer, Dave and his team did a great job walking us through the process. In the end, I felt confident and like I thoroughly understood the deal we were getting, and knew that Dave was only a phone call away if any questions did come up. I highly recommend the RPM team. read more

Dave and his team are just great hardworking trustworthy people! They helped w/ our home loan purchase and closed in 21 days!!! It was smooth and seamless. Years back our credit wasn't good and couldn't afford a home loan. Dave didn't sugarcoat anything but advised us how to fix it. After working hard at it for 6-8 months, Dave helped us and was able to a get a loan (purchase a home). This is the 2nd time we used Dave for a loan. Both times have been very positive experiences and got us great rates! I highly recommend him. We intend to use him for all our future loan needs. THANK YOU DAVE! read more

Dave was so essential in our first home buying experience. He was always available and helped in every way he could. I can't even begin to explain how helpful and easy he and my real estate agent made this very stressful and time sensitive situation for us. I highly recommend Dave and his team at RPM if you are looking to buy in the bay area. read more

I had no idea how to secure a home loan. Dave was patient, encouraging and informative as we navigated the process. He was able to go very high level or very detailed in his explanations depending on my concerns. There was an unexpected hiccup with our loan approval and he was able to negotiate a win-win solution. I'd highly recommend him to anyone thinking of purchasing a home in California. read more

My wife & I recently refinanced our Oakland home with Dave Byrd at RPM Mortgage & had a top notch experience. With all the volatility in the mortgage market we were a bit hesitant to even look into re-financing. Due to our home being a bit under market value, we were skeptical if we could even Refinance. We met with Dave and gave him a breakdown of our financial situation & current loan configuration. His knowledge of lending options for our situation was dead on, & He suggested the best course for us to make the Refinance viable. He made every step of the application process extremely easy and clear. Within a few weeks he secured a new fixed rate far below on what our current loan was. Even the loan signing process was extremely simple and we completed it in his office with a notary he arranged. Through merely filling out the application paperwork & a bit of coordination, we literally are saving several hundred dollars a month from Refinancing. I have subsequently referred 2 other friends to Dave & they have also successfully refinanced their Oakland homes. I highly suggest contacting Dave Byrd if your interested in reviewing options for a home loan or Refinance. read more