Mortgage Loan Originator · NMLS #113707
Reverse Mortgage • Del Mar, CA
David Gordon helps homeowners age 62+ with significant home equity looking to eliminate monthly principal and interest payments or supplement retirement cash flow in Del Mar, CA. Local expertise, competitive rates, and a smooth closing process.
Reverse Mortgage are residential financing programs structured for homeowners age 62+ with significant home equity looking to eliminate monthly principal and interest payments or supplement retirement cash flow. As a licensed wholesale mortgage broker serving Del Mar and San Diego County, David Gordon compares multiple wholesale lenders so local borrowers can evaluate competitive interest rates, transparent closing costs, and flexible underwriting terms tailored to their financial profile.
Purchasing or refinancing a property in Del Mar, CA requires a clear understanding of local appraisal standards, county loan limits, and debt-to-income ratio guidelines. Working directly with David Gordon (NMLS #113707) gives Del Mar homebuyers side-by-side payment comparisons and direct pre-approval letters designed to strengthen purchase offers across San Diego County.
With 20+ years of experience as a Mortgage Loan Originator at Barrett Financial Group, L.L.C., David Gordon brings specialized underwriting knowledge in Reverse Mortgage to borrowers throughout Del Mar and surrounding San Diego County neighborhoods. Every application is reviewed upfront to identify credit optimization opportunities, down payment assistance eligibility, and rate lock strategies.
David specializes in First-Time Homebuyer, Self Employed & Bank Statement Loans, Real Estate Investor & DSCR Loans, VA Loans, FHA Loans, HELOC & Home Equity, ensuring that self-employed business owners, first-time buyers, military families, and real estate investors in Del Mar receive responsive communication from initial pre-qualification through final loan funding.
| Loan Program | Typical Down Payment | Credit Guideline | Best Fit for Del Mar Borrowers |
|---|---|---|---|
| Conventional Loans | 3% – 20% | 620+ FICO | Primary residences, second homes, and investment properties |
| FHA Loans | 3.5% minimum | 580+ FICO | First-time buyers and flexible debt-to-income qualification |
| VA Loans | 0% down | 580+ FICO | Eligible active-duty military, veterans, and surviving spouses |
| Jumbo Loans | 10% – 20% | 680+ FICO | High-value homes exceeding San Diego County conforming limits |
| HELOC & Home Equity | Retained equity | 640+ FICO | Del Mar homeowners accessing equity without refinancing a low first rate |
Median Home Price: $3.4M
Homeowner Equity: Around 70% of homes are equity-rich. More than 45% of properties are owned free and clear, with median homeowner equity exceeding $2M.
Famous for the Del Mar Racetrack and scenic coastal bluffs. Development is strictly regulated by the California Coastal Commission with severe bluff-top erosion setbacks impacting oceanfront parcels. High proportion of seasonal and second homes.
Common Loan Products in Del Mar:
92014
"We recently completed the purchase of our new home. We worked with David Gordon who did a great job. This was our 12th home we have purchased and we were extremely happy with David's professionalism and thoroughness - easily the best experience of the 12!"
"He was knowledgeable and helpful in the loan process. He was informative and made the process easy. I highly recommended him. The whole process from beginning to closing was less than 2 weeks."
"Navigating the complexities of home loans can often be a daunting process, but with Dave Gordon, it's nothing short of exceptional. Over the years, I've dealt with numerous mortgage processes, yet Dave has truly set himself apart in the industry. His hard work and commitment are evident every step."
Verbatim client reviews published on Zillow (dgordon022 — 5.0/5.0 across 44 reviews) and Google / Experience.com for David Gordon (NMLS #113707). Individual rates and loan processing timelines vary based on borrower credit profile, loan product, and underwriting guidelines.
Estimate illustrative monthly principal and interest payments in Del Mar based on sample Reverse Mortgage scenarios.
Disclaimer: This calculation is for illustrative and educational purposes only and does not represent an offer, rate lock, or commitment to lend. Actual monthly payments, interest rates, and APR will vary based on individual credit qualifications, property appraisal, existing loan balances, loan program requirements, and current market conditions. Property taxes, homeowner insurance, HOA dues, and mortgage insurance are not included in this estimate.
Qualification requirements vary by lender, but David Gordon works with multiple lenders serving Del Mar to match you with the best program. Homeowners age 62+ with significant home equity looking to eliminate monthly principal and interest payments or supplement retirement cash flow. Contact David at (949) 302-2010 to start your free pre-qualification.
Mortgage rates change daily based on market conditions. As a licensed broker serving Del Mar and San Diego County, David Gordon shops multiple lenders to find competitive rates for your specific situation. Call (949) 302-2010 for a personalized rate quote.
Most Reverse Mortgage transactions in CA close within 21–45 days from application to funding, depending on property type, appraisal scheduling, and underwriting. David works to keep the process moving efficiently for Del Mar borrowers.
Talk directly with David Gordon, your Reverse Mortgage specialist for Del Mar, CA.
Apply Now — Free Pre-Qualification