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David Goldberg, Cleveland Mortgage Broker, NMLS 728872

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Beachwood, OH
David Goldberg, Cleveland Mortgage Broker, NMLS 728872

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Named to the Scotsman Guide's Top Originators, the National Mortgage News Top 400, and Ask A Lender's Best Mortgage Lenders for the last several years running, I am consistently a top-performer in the industry, maintaining very high customer service ratings from my clients and referral partners. A true mortgage industry leader since 2004, I have the experience needed to help consult my clients and guide them into the correct mortgage product, structure and package their loan to get a clean underwriting approval, and then close their loan on-time with the least amount of stress possible. I am proud to offer the following loan products for purchase or refinance in all states but NY and WV:

CONVENTIONAL–
Direct lender with Fannie Mae
Credit scores down to 620
HomeReady
BorrowSmart
Down Payment Assistance
One Time Close Construction
Renovation

JUMBO –
Low Down Payment options available
Loan amounts up to $20M

NonQM / PORTFOLIO -
Bank Statement/1099 loans for self-employed borrowers
DSCR Investor Loans
Foreign Investor Loans
Jumbo options for borrowers with previous credit challenges or lower credit scores

FHA/VA -
FHA Purchase/Refinance
VA Purchase/Refinance
VA IRRL Streamlines
FHA Streamlines
Renovation / One Time Close Construction

David Goldberg, NMLS ID 728872
Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. Toll Free #: (877) 978-1922. Subject to Credit Approval. For licensing information, go to: www.nmlsconsumeraccess.org
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11/02/2026

Fast wins that prevent winter headaches and yearend money leaks.

11/01/2026

Your house may have gained a lot of equity. But somehow, your monthly budget keeps getting tighter.

Groceries cost more. Insurance costs more. Utilities cost more. And credit card balances can quietly turn into payments of hundreds or even thousands of dollars every month.

Meanwhile, you may be sitting on significant equity in your home and a mortgage rate you really don’t want to give up.

That’s why the question isn’t simply:

“Should I do a cash-out refinance?”

It’s:

“What’s the smartest way to use the equity I already have?”

10/31/2026

Happy Halloween from The Goldberg Mortgage Team!

10/30/2026

There’s a point where “we can make this house work” turns into everybody being on top of everybody.

The toys have taken over the living room. Somebody’s working from the kitchen table. The dog somehow has the only quiet room in the house. And every closet is being asked to do things it was never designed to do.

At some point, you start wondering if it’s time for more space.

But before you spend three hours on Zillow and fall in love with the house with the bigger kitchen and perfect backyard, it’s probably worth figuring out what moving would actually look like.

How much equity do you have in your current house? What would you need for the next one? What happens to the monthly payment? And most importantly, can you make the move without making everything else feel tight?

Sometimes the answer is yes. Sometimes staying put a little longer makes more sense.

If your current house is starting to feel a little too small for your life, send me a message. We can run the numbers first and see what moving up would actually look like.

10/29/2026

Closing costs are one of those numbers that can catch buyers off guard.

You’ve figured out your down payment, you know roughly what the monthly payment will be, and then you see another chunk of money needed at closing.

So what exactly are you paying for?

Some of it is the actual cost of getting the loan and transaction closed. Things like the appraisal, title work, settlement fees and recording charges.

Then you have things like property taxes, homeowners insurance, prepaid interest and money going into your escrow account. Those aren’t really “fees” in the same way. They’re expenses you’d have as a homeowner anyway, but some of that money is collected upfront.

More importantly, the number you see on an estimate isn’t always set in stone.

Seller credits, lender credits, assistance programs, tax proration credits from the seller, and even when you close during the month can change how much cash you actually need.

That’s why I like going through these numbers before you start writing offers, not three days before closing when it’s a little late to change the plan.

If you’re looking at homes and want to know what you should realistically budget for, message me “COSTS.” I’m happy to run the numbers with you.

10/29/2026

Realtor friends, the listing has gone quiet.

Showings slowed down. No offer is coming together. And now you’ve got to call the sellers and talk about the thing nobody wants to hear:

“Maybe we need to reduce the price.”

Before you make that call, loop us in.

A price change may absolutely be the right move. But depending on the property and the buyer pool, there may also be financing strategies worth exploring first, including how a seller concession or other structure could affect the buyer’s side of the equation.

That conversation is especially relevant in this market. Buyers have more choices, and affordability is putting pressure on purchasing decisions.

We’re not here to tell you how to price the house. We’re here to help you see whether there’s another financial angle worth putting on the table before your seller gives up equity.

10/26/2026

What Happens After the Cards Hit Zero?

Paying off $30,000 or $40,000 in credit cards with your home equity might feel like solving the problem.

But what happens six months later?

That’s the question I think homeowners need to answer before using a HELOC or home equity loan to consolidate debt.

If the credit card balances came from a one-time event, a major home repair, medical bills, or a temporary loss of income, using equity to restructure that debt may be worth considering.

But if you’re short $500 or $1,000 every month, paying off the cards doesn’t fix the problem.

It just resets them to $0.

And now the debt you used to have on credit cards may be secured by your house.

That doesn’t automatically make using home equity a bad idea. It means you need a plan that goes beyond getting a lower monthly payment.

Before we talk about a loan, I want to know:

What created the debt, what changes after we pay it off, and what keeps it from coming back?

Because the goal shouldn’t just be to solve the balance.

It should be to solve what created the balance in the first place.

10/25/2026

This might sound a little strange coming from someone in the mortgage business, but just because you have equity in your home doesn’t mean you should use it.

But if you’re making big payments every month on credit cards or other high-interest debt, it might be worth running the numbers.

And I wouldn’t start with, “How much equity can we take out?”

I’d start with: What are you paying every month right now, and what is that debt actually costing you?

Then we can look at what happens if you use some of the equity. How much does the monthly payment change? What does the new financing cost? And are we actually putting you in a better financial position, or just moving debt from one place to another?

That last part matters.

Sometimes using home equity can make a big difference in monthly cash flow. Other times, the better answer is to leave your mortgage exactly where it is.

If debt payments are taking too big of a bite out of your monthly budget, send me a message. I’m happy to run the numbers and show you what the options actually look like before you touch the equity.

10/23/2026

Here’s a conversation nobody really wants to have, but if you own a home, it’s worth having.

What happens to your house if you pass away?

A lot of people assume, “My kids will just get the house.”

Maybe. But there can be a lot more to it than that.

How the home is titled, whether you have a will or trust, who inherits the property, and what happens to the mortgage can all come into play.

And this isn’t something your mortgage person should be answering alone. Your estate attorney and financial advisor may need to be part of the conversation too.

So if your entire estate plan for the house is basically, “The kids will get it,” take a few minutes and make sure it actually works the way you think it does.

Not the most exciting conversation you’ll have this week, but definitely an important one.

This is general information, not legal or estate-planning advice. Talk with a qualified attorney about your specific situation.

10/22/2026

What if your next rental property could help qualify for its own mortgage?

That’s one of the reasons I think more would-be real estate investors should know about DSCR financing.

Instead of focusing primarily on your W-2 income, tax returns and all the usual conventional lending calculations, a DSCR loan looks at something different:

Does the rental income from the property support the required housing payment?

Address

28879 Chagrin Boulevard
Beachwood, OH
44122

Opening Hours

Monday	8:30am - 8pm
Tuesday	8:30am - 8pm
Wednesday	8:30am - 8pm
Thursday	8:30am - 8pm
Friday	8:30am - 8pm
Saturday	9am - 6pm

Telephone

+12164969483

Website

https://goldbergmortgage.com/, https://linktr.ee/goldbergmortgage

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