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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 4:30pm

Dave Brown First Class Lending NMLS #20868

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United States
Dana Point, CA
Dave Brown First Class Lending NMLS #20868

First Class Lending, a Division of American Pacific Mortgage NMLS 1850. Equal Housing Opportunity. DRE #01093581 www.NMLSConsumeraccess.org

Dave Brown, originating branch manager
Licensed by the Department of Financial Protection and Innovation under the CRMLA.

10/30/2026

DSCR loans are a popular option for real estate investors. Here's what the acronym means and how these loans work.

10/13/2026

Pre-approval does more than tell you your budget, it can make your offer stand out. Here's why it's worth doing early.

10/09/2026

Your credit score isn't just one number pulled from thin air, several factors go into calculating it. Let's break them down, this time with a few new angles.

10/05/2026

Selling your current home is often the first step toward buying the next one, and having the right professionals on your team can make a big difference. While your real estate agent handles the selling strategy, I can help you plan for the financing side of what comes next. If a move is on your horizon, send me a message and let’s make sure your financing is ready for your next chapter!

10/03/2026

09/23/2026

APR and note rate aren't the same thing, and mixing them up can cost you. We break down the difference in plain English.

09/18/2026

A second HELOC can give you access to more equity without touching your first mortgage. Here's how it works.

09/14/2026

Homeownership can be about more than having a place to call your own. As you pay down your mortgage and potentially build equity over time, your home can become an important part of your long-term financial picture. If you’re wondering what it could take to go from renting to owning, send me a message and let’s explore your financing options!

09/07/2026

"Dave helped me buy my first home. He and his team couldn't have been easier to work with and guided me through the whole process. I will definitely be using his services again in the future!" says Jake

★★★★★ Dave helped me buy my first home. He and his team couldn't have been easier to work with and guided me through the whole process. I will definitely be using his services again in the future!

09/04/2026

Knowing your budget is the first step toward finding the perfect home. By reviewing your income, monthly debts, and savings, we can determine a comfortable, realistic price range. I’ll guide you through the numbers so there are no surprises. Ready to see what’s possible? Let’s run the numbers together!

Address

24701 La Plaza, Suite 103
Dana Point, CA
92629

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 4:30pm

Website

https://www.apmortgage.com/dave-brown

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