David Gordon — Mortgage Loan Originator | Barrett Financial Group, L.L.C.
Written by David Gordon, NMLS #113707. David Gordon is a licensed mortgage loan originator serving 26 states with 20+ years of experience in the residential real estate lending industry at Barrett Financial Group, L.L.C. (NMLS #181106). He works directly with homebuyers, military veterans, self-employed business owners, and real estate investors to structure competitive residential financing with clear underwriting timelines and transparent rate comparisons.
Residential Mortgage Services and Lending Programs
Selecting the right residential mortgage structure affects both monthly housing expenses and long-term home equity growth across changing interest rate cycles. As a wholesale mortgage broker licensed across 26 states, David Gordon compares loan programs across dozens of wholesale lenders to match each borrower with appropriate down payment requirements, debt-to-income guidelines, and interest rate structures.
Borrowers purchasing primary residences, second homes, or multi-unit investment properties can evaluate fixed-rate and adjustable-rate options alongside specialized government-insured and home equity programs. Every pre-approval review includes a side-by-side breakdown of principal and interest payments, mortgage insurance rules, closing cost estimates, and property qualification guidelines so buyers can submit strong purchase offers.
Loan Programs Available
- Conventional Loans — Homebuyers with strong credit, stable income, and a down payment of 3% to 20%.
- FHA Loans — First-time homebuyers and borrowers with flexible credit scores (580+) and 3.5% down payment.
- VA Loans — Eligible veterans, active-duty military, National Guard, Reserve members, and surviving spouses.
- Jumbo Loans — High-income earners buying luxury or high-value homes exceeding conforming county loan limits.
- Bank Statement Loans — Self-employed borrowers, business owners, and 1099 contractors qualifying with 12 to 24 months of personal or business bank statements instead of tax returns.
- DSCR Loans — Real estate investors financing short-term or long-term rental properties based on property cash flow (Debt Service Coverage Ratio) without personal income or tax return verification.
- Non-QM Loans — Borrowers seeking flexible alternative documentation including bank statements, asset depletion, 1099 income, DSCR investor financing, and recent credit event programs.
- Refinance — Current homeowners looking to lower rates, reduce monthly payments, or tap into home equity.
- HELOC — Homeowners with significant equity needing flexible revolving access to funds for renovations or debt consolidation.
- HELOAN (Home Equity Loan) — Homeowners needing a fixed-rate lump sum second mortgage for major expenses with predictable monthly payments.
- Reverse Mortgage — Homeowners age 62+ with significant home equity looking to eliminate monthly principal and interest payments or supplement retirement cash flow.
- Construction Loans — Buyers building custom homes, major renovations, or investors developing residential properties.
- USDA Loans — Low-to-moderate income buyers purchasing in USDA-eligible rural and suburban areas with 0% down.
Mortgage Comparison Overview
| Loan Type | Best For | Typical Down Payment | Minimum Credit Profile |
|---|---|---|---|
| Conventional Loans | Borrowers with strong credit scores and stable income | 3% to 20% | 620+ FICO |
| FHA Loans | First-time homebuyers and flexible credit qualification | 3.5% | 580+ FICO |
| VA Loans | Eligible active-duty military, veterans, and surviving spouses | 0% | 580+ FICO |
| Jumbo Loans | High-value properties exceeding conforming county limits | 10% to 20% | 680+ FICO |
| HELOC & Home Equity | Homeowners tapping existing property equity for renovations or debt | Retained equity | 640+ FICO |
Frequently Asked Questions
How do I get pre-approved for a home loan with David Gordon?
Borrowers can start the mortgage pre-approval process online or by calling (949) 302-2010 to review income documentation, credit history, and down payment goals. Once verified, David Gordon issues a tailored pre-approval letter that helps buyers make competitive offers in their local housing market.
Which mortgage loan program requires the lowest down payment?
Eligible active-duty service members and veterans can qualify for 0% down payment financing through VA loans, while USDA loans also offer 0% down in designated rural and suburban areas. Conventional loans allow down payments as low as 3% for qualified first-time buyers, and FHA loans require a minimum 3.5% down payment.
How many states is David Gordon licensed to originate mortgages in?
David Gordon (NMLS #113707) is licensed to originate residential mortgage loans in 26 jurisdictions through Barrett Financial Group, L.L.C. (NMLS #181106), covering AL, AR, AZ, CA, CT, DC, FL, IA, ID, KY, MD, ME, MI, MN, MO, NH, NM, OH, OK, OR, PA, SD, TN, TX, VA, WA with localized county and ZIP code coverage across 1,293 communities.
Licensed State Hubs and Loan Directories
- About David Gordon
- All Licensed States Mortgage Directory
- California Home Loans
- Arizona Home Loans
- Texas Home Loans
- Florida Home Loans
- Washington Home Loans
- Virginia Home Loans
- Conventional Mortgage Loans
- FHA Home Loans
- VA Home Loans
- Jumbo Mortgage Loans
- Home Equity Line of Credit (HELOC)
- Mortgage Market Insights Blog
- Privacy Policy
- Terms of Service
Contact Information and Social Profiles
Contact: (949) 302-2010 | dgordon@barrettfinancial.com | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | Hours: Mon–Sat 9am–7pm MST | Sun by appointment