I have worked with David on residential mortgages 3 times over 20 years. He always listens to my needs, is very responsive and helps find me the best deal while taking a lot of the administrative burden off my plate. I highly recommend him as a mortgage broker. read more

My wife and I have worked with David for two purchases over the years, and he is a real pleasure to work with. Extremely knowledgeable, generous with his time, and always helping us navigate the process seamlessly. Would highly recommend!! read more

Every body who has refinanced a property knows what a pain it could be. David made this process very easy for us. He refinanced our Heloc and it was very helpful for us. He was efficient, professional, and responsive. The whole process took was than a month. I have already referred him to family and friends. read more

My partner and I were buying our first home and David was a huge help throughout the process. He was very informative about what what kind of loan we could qualify, and he took us through step by step process, answering all our questions and making us feel at ease the entire time. If you are trying to buy a home, you are in the right hands. read more

We selected David for our HELOC based on the incredible reviews here on Yelp. I'm happy to say that our experience was just as wonderful as those we encountered here. David was extremely responsive, excellent in explaining the process, and has even helped answer our questions post-funding. Throughout, he has been personable, informative, and just plain great to work with. I cannot recommend anyone more highly than I do David. We would not hesitate to work with him if ever we have further needs. read more

If you're looking for a reliable mortgage broker, look no further. I enjoyed working with David for his hard work, honesty, and knowledge of the local market. read more

Over the past several years, we have refinanced our mortgage a few times. Each time, we have reached out to David Kutner. He always provides knowledgeable insight and product options with pros and cons based on our needs at that particular time. Once a loan is identified, he makes the process as smooth and stress-free as possible. He is great with support, follow up and professionalism. We trust him 100%, and that is why we reach out to him whenever we need assistance with our mortgage. We can't recommend him enough. read more

I had dealt with refinancing on my own in the past, but when I decided to get a reverse mortgage, I realized I was going to need some help. I reached out to David based on his many glowing reviews on Yelp, and I'm so glad I did because he lived up to every one of them. Working with David was a wonderful experience. Good communication is essential for me, and with David, it was exceptional. If he didn't pick up the phone when I called (and usually he did), he would always get back to me promptly. The same thing with emails. At every step of the process, David was on top of things and kept me informed. He patiently answered all my questions, explained things clearly, and made sure I understood everything. If any obstacle came up, he would figure out how to deal with it or find another way to get where we wanted to go. He was always there to help with whatever I needed. When there was complicated paperwork to deal with, he walked me through it. When I was having a nervous moment, he would calm me down and reassure me that things would work out. And they have worked out - extremely well. For anyone dealing with mortgage issues, David is the man you want to call. read more

David was a tremendous help to my husband and I throughout the homebuying process. He took every opportunity to help us to feel comfortable, and to assist us in understanding the complex decisions we needed to make. We recommend David to anyone shopping for mortgages. David will help to support you and look out for you during what can be a frustrating and scary process. Thank you, David! read more

David Kutner is hands-down the best mortgage broker I've ever worked with. I call him my solutions guy because he always finds a way--even when things seem impossible. The first time I worked with David, I struggled to refinance my house on my own. I followed all the instructions, and my credit score was solid, but nothing was working out. Then I found David--David the Friendly Lender--and everything changed.  Most recently, he pulled off what felt like a miracle: he helped me get cash out on a reverse mortgage without touching the low interest rate on my first mortgage. I didn't even know that was possible! But David made it happen. He's incredibly knowledgeable, kind, patient, and calm even when I ask him the trickiest, most off-the-wall questions. He does it all. When my kids are ready to buy their first homes, there's no question--I'm sending them straight to David. That's how much I trust him. If you're looking for someone who knows the mortgage industry and cares about his clients, David, the Friendly Lender, is your only choice. read more

My husband (who works in accounting/finance) found David through highly rated Yelp reviews and now we know why! As first-time home buyers, figuring out how to finance your first home is always nerve wracking. David is incredibly knowledgeable and thorough with his attention to detail. He also found us the best rates and advised us on the market trends and when to lock it in. He is extremely communicative and strove to make our entire process so smooth. We are so glad to have met David and would recommend him to anyone who is looking to buy a home! read more

David Kutner-The Friendly Lender - Mortgage Brokers Near Me

Working with David Kutner was amazing. I was a first time homebuyer and had never been through the process before, but David helped me through the entire process and was there for me if I ever had any questions. I had been working with two separate lenders previously to try to get a loan for my first house, and both either wouldn't or couldn't meet my needs. I was referred to David by my real estate agent, and David not only was much more of a pleasure to work with, but he was also able to cut my closing costs in half and he got my monthly payments a couple hundred dollars lower than the previous lenders. He really worked his magic and I am so grateful that he did. Even though he is based in southern California, the home I purchased was in northern California, so if you aren't in his immediate area, still give David a try. You will not regret it. I have been referring ALL of my friends and family to him since I was so happy with the results of my loan and the care David took in making sure I was getting a good deal. Thanks a ton David! read more

David Kutner-The Friendly Lender - So excited to have bought our first house! Thanks a ton David Kutner! - Mortgage Brokers Near Me

This review is long overdue.. And incredibly long In case you don't have time to read it all... Pick David! Now the long part: I was refinancing my home into my name only, expecting the process to take less than 21 days. He monitored the market for me and called to let me know when it was the right time to lock a rate. His timing was incredible - not 2 days after I secured an incredible rate, they started climbing again! I don't want to go into too much detail publicly... but after I locked my rate, I discovered that a second mortgage had been taken out on my home behind my back. In order to secure new financing, I needed to pay this debt off - but I had no idea where exactly to do that. David jumped through hoops to locate the payoff details... but by the time we finally had all the information, nearly 3 months had passed and I had lost my original mortgage rate. I was devastated. With the way rates had climbed during that time, I was looking at paying nearly $600 more a month, which would have crippled me and left me living off credit cards for the foreseeable future. David once again advised me to wait a few weeks to lock my rate, which brought that number down a bit. He then played with numbers, bringing down his own fee in order to try and make my mortgage manageable. It was still a far cry from the original number I was looking at, but I was grateful he had the heart (and expertise) to make this much effort for me. I could not tell you how excited I was to get the call that after well over three months, we were finally going to close! Since I was on a work trip, David arranged for me to sign in San Diego. ****Y'all, this is the part where things get G.O.O.D** When I sat down to sign with the notary, I could not believe my eyes. I was staring at my original rate!! I told myself "just sign and ask questions later." I still do not understand how he did it... but at the zero hour, David had somehow convinced the lender to give me the rate from three months prior! I cannot tell you what it meant to me to have him go to bat for me. Refinancing is always a stressful experience, but with everything I went through, I have no doubt it would have been a complete nightmare without David. I will be recommending him to anyone and everyone I know... and if I ever decided to move, will definitely be using him again! read more

Cannot say how much of a joy it was to work with David! He had helped me with my first home purchase and now with refinancing. He always took the time (day or night) to answer any questions I had and helped me feel comfortable when dealing with a stressful lender this time around. His patience and knowledge is unmatched. I would definitely recommend David to anyone who is looking around and you will not be disappointed! read more

We worked with David to get our first mortgage, getting pre-approval in September and closing in November of this year. We were connected with him by a coworker of mine, and from the first call, we were really appreciative of his candor. He answered so many of our questions, and went way beyond the call of duty, even when we were not even clients of his yet. We did look into other options initially, but it became clear that David was going to be our best option. He has a good eye for the market, he works fast, and he is almost always available. Thanks for all the help!!! read more

If you're looking to buy a home, you need to call David Kutner. I was looking to buy my first house a few months ago and David was extraordinarily kind helpful, and knowledgeable. He took the time to walk me through the process, answering every question I had with care and concision. Buying a home is a daunting task, but David made me feel very well taken care-of. I thought that buying a home would be incredibly stressful, but working with David made the experience very manageable. He is extremely prompt and *really* knows the business, which made the process of getting a mortgage go super smoothly. He got me a reasonable rate and even took the time to advise on the best time to lock it in. He checks in frequently, is always quick to respond, and his advice is excellent. I really felt that he had my best interests in mind through the entire process, which really put me at ease. His honesty, kindness and expertise made the loan portion of buying the home the easiest part! Additionally, David's extended professional network is excellent - he recommended a great agent at the start of my search, and also had great recommendations for all the other things you'll need as you close: insurance, etc. All in all, a great lender - recommend very highly!! read more

David was extremely helpful and quick to answer all my questions. 100% recommended. You get the experience of an actual person trying to help another person, not just some bag and send away place. read more

A great source of information. Has been in the mortgage business for decades. Knowledgeable of all types of loans and real estate transactions. He can help with conventional and 1031 exchanges. He even does reverse mortgages for folks who want to use equity from their homes. Also a very nice person who is a great communicator. Highly recommend. read more

Outstanding Mortgage Broker. I'm a Los Angeles based realtor and had the pleasure of working with David on a recent purchase transaction. This was not an easy sale and took quite a bit of time, yet David's extensive knowledge and experience is what guided this lengthy transaction to a smooth and successful close. In this fast paced and unpredictable business, it is so refreshing to find a lender that is honest, patient, communicative and downright friendly. He was so reassuring that both myself and the buyer's never thought twice that the loan portion, often the most difficult portion of a deal, was sound, tended to and ready to go when needed. David was always positive, high energy and willing to assist. I highly recommend him to anyone looking to buy, invest or refinance, he is a rare find - a gem. Audrey Morguess read more

I can't say enough about David, our "Friendly Lender". We have been working with him for the last 5 years, and he was able to accomplish what others either couldn't, or wouldn't. Our situation needed an expert with out-of-the box thinking, with understanding and patience to address our short term and long term needs. We were rolling an old HERO loan, addressing home owners insurance and property taxes through an escrow account, a trust with passing of a family member and changes in employment status. All delicately handled by this special lender. Just give him a call, believe me you will feel so much at ease after talking with him. Thanks again David read more

As first-time home buyers we had only heard about the stress and heartache the home buying process can be. We started the process by meeting with David Kutner to get a feel of what might be in store. When we met David, he immediately made us feel at ease and thoroughly went through what to expect. Sharing your financial history, income, timeline, and lifestyle are all sensitive and delicate issues to lay out to a stranger but not once did we have any hesitation with David. David helped us formulate a plan and clear path to becoming homeowners. David guided us every single step of the way. There were no surprises, only full honestly and disclosure. He was only a phone call away and never left us hanging. No matter how many questions or calls you make in a single given day, David always replied. We bought the home in such a hot housing market and know that we could not have done it without David's guidance, patience and swift work. We are so grateful for David and his expertise. Home buying does not have to be so daunting because with David you are in the best hands out there! read more

David helped us with our mortgage in 2014 and recently helped us again. He's our go to to for anything related to home finance. He know his business and is great to work with! read more

My family has worked with David several times on getting a mortgage. Buying a home is quite a process and David's the best person to have in your corner as you navigate the complexities of securing a lender and closing on your home. He's clear, efficient, and supportive; always a phone call away, on any day of the week and always checks in to make sure you're kept up to date. Thanks, David! read more

David has been an invaluable resource and support for me as I've gone through three home refinances. I would strongly recommend him to anyone, and will definitely be utilizing his supports again in the future! read more

Thank you David for seeing us through the complex and longwinded process of home buying, and for making our experience painless and straightforward as first time buyers. You were there every time we needed you, answered every question clearly and comprehensively, and helped us understand all the moving parts as they came along. You also scored us a great deal and that's important too! 10/10 highly recommended service and we have already sent you over to friends. read more

This is the second time I have done business with David, simply because he never disappoints. I have never given a higher compliment to anyone, like I have to David. His honesty takes you aback, his simplicity is refreshing. I called "David Kutner-The Friendly Lender" and I got David Kutner, the friendly lender, it's so true that it's funny. His knowledge is unsurpassed, his efficiency is remarkable and at the end success always follows. If Noah needed to refi his ark I would send him directly to David with the confidence that he would be in good hands. Thank you David, for another great refi. read more

I had been looking for a Lender whom I can trust for 3 months. After much prayer and search, I ran into David and Thank God for his help! David answered all my questions with detail ( I had plenty!!) he is very patient and answered my calls or returns my calls in a timely manner. He gave me suggestions on our loan and really understood our loan needs. I truly appreciate him and his team! David, Thank You! read more

I am a real estate agent of 13 years and I must say that I was impressed. David was great in communication and how knowledgable he was with everything. He truly does live up to the name, The Friendly Lender. Helped with the loan on a property in Fullerton that I was representing the buyers for. The transaction was absolutely smooth and he was always on top of things. I highly recommend! read more

I just closed my first escrow with David and his company. My clients and I couldn't be happier. His attention to detail, constant communication with my buyer's and ability to foresee any potential issues helped make this a seamless and super smooth transaction. I will work with David every chance I get! Audrey Morguess Californian Estates 310.926.6337 read more

David Kutner has successfully helped us twice with our loans: one was for a refinance on an investment property and another was an investment loan on a property purchase. My sister recently went through the loan process for her first home with David too. David always followed up and kept us up to date on the status of our loans. When we encountered hurdles along the way David offered his professional advice and opinion on what he thinks is best for us. In the end, we were able to overcome the hurdles and successfully close on the property we wanted. He always took the time to explain and clarify questions we had. David is very professional, honest, and straightforward. His staff is also very hardworking. I highly recommend David Kutner for any loan matters. read more

David was great to work with! He helped me secure a loan at a very good rate and was patient with providing explanations and extra information to me as a first time homebuyer. David was also very accommodating with when I could reach out to him for questions due to my work schedule and helped make the process run smoothly. I highly recommend anyone looking for a mortgage to reach out to David for his expertise! read more

New to Real Estate, there is a lot that I didn't know. I had a question about the loan approval process, so I decided to call David from yelp. I spoke with David for about 15 minutes on the phone after he answered question after question. "The Friendly Lender" is not just a headline. It's the truth! Full transparency, I told David I would write this review. But only after receiving such welcoming service. Thanks again and best wishes read more

David is more than aptly named the friendly lender. He was recommended to me by a friend, and from the instant we spoke I understood why. He was patient, responsive, knowledgeable and efficient. He tailored the experience to my needs, made adjustments on the fly, and always remained fair and honest. I highly recommend David! read more

If I could only write one word to describe David it would be superhuman. He is always available! Also, he's incredibly honest and explains everything with clarity and patience. A few of the big banks pre-approved me, but then rescinded their offer in the underwriting process. As a self-employed individual with a newly established LLC they didn't want to give me a loan despite sufficient funds and strong tax returns. David worked his magic, made it happen, and locked in a competitive rate. I would not have been able to buy this year if it were not for David. He's a joy to work with and makes a process which could be arduous understandable and pleasant. I will be using him for every property I purchase from here on out. *EDIT* Two years later I've used David for my refinance and he was just as pleasant and easy to work with as the first time. It was trickier this time around because of COVID, but David made it happen and got me a really good rate I'm happy with. read more

We can't thank David and Sue enough. Professional, kind, supportive and as alway "The Friendly Lender" Thank you once again for making our journey possible and completing our loan on time!! Sincerely, The Moore's read more

David has been the most helpful lender we've spoken to...he is so knowledgeable and willing to help us with all of our questions, and trust me, we had questions. His follow up is impeccable. In the cutthroat business that is real estate it is absolutely refreshing to have someone who truly has your best interest at heart. read more

David was referred to me by another person in the banking industry who thought he could better serve my (actually my mothers financial needs). This proved to be true...Mr. Kutner was both professional and friendly, and my mother was pleased with his mild demeanor and willingness to be available to answer any questions she may have had, and to stay on board for any future questions or needs. David and I worked together to get her transaction completed in a reasonable amount of time, and, in this day and age of faceless business transactions, the personal touch of coming to the house to meet his client was a welcome effort to my mother. That being said, I would recommend Mr. Kutner to anyone who would be in the market for financial assistance, providing he can offer them the product or products they may need. read more

To put it simply - David is the best in the business. He stands in a league of his own for many reasons, but most importantly for his genuine care for his clients. In the modern era, where everything is based on technology, speed, and profit, David shines by putting the customer first. I first met David in 2008, but due to many factors, didn't close on a property in California until 2017. Despite that, David continued to advise me over those years by patiently answering all of my questions and guiding me through the process of finding, negotiating, and buying a home. I really couldn't have done it without him. In 2020, David also handled my refinance so I could save money on my monthly payment. He stayed on top of rates on an almost daily basis to ensure he could get me the best price. He made the closing process easy and smooth, providing daily updates and answering questions. When it came time to sign the documents, he came by with a bottle of wine and made sure everything was in order - a real class act! I would strongly recommend David to anyone looking to buy a property, and I take every opportunity to evangelize his services to family, friends, and colleagues. I really can't imagine a better mortgage loan experience (unless maybe I won the lottery and could buy all cash!). Thank you, David. read more

The name is no lie -- David really is friendly. But he's more than that; he's thorough and thoughtful too. He knows his stuff. He handled a refi on our home in Burbank late this year and guided us through every step of the process, from appraisal to final paperwork. He made it as pain-free as possible. We've been through multiple refis before, but this was by far the best due to David. Let's face it -- no one wants to spend their time buried in the details of a mortgage refi. But when you have pros like David on your side, it's a piece of cake. My wife and I were surprised at year's end to find a holiday basket on our doorstep -- yet another reminder of why we were lucky to have the sender as our mortgage guy. read more

It's rare to find people that go above and beyond when it comes to providing great service. David Kutner is one of those people. I'm a first time home buyer and David took the time to not only walk me through the loan process, but worked his magic to give me different options that could meet my loan requirements. I highly recommend working together with David, especially if you're having a hard time locking in a loan with others. He takes the time to really understand your situation and comes up with great options for you. On other note, when it comes to getting a loan, timing is everything. David is prompt in all of his communications whether its email, phone or text. If you have question, he really does take the time to answer them and helps explain or breakdown things that you may not have even considered. He truly is "the friendly lender." read more