Dave Your Mortgage Guy

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Dave Your Mortgage Guy

I offer FHA, VA, Conventional, Jumbo, Hard Money, Bridge, Bank Statement, 1099 loans and more!. 832-689-6012. Call me Today 832-689-6012.

[email protected]
David Krichmar
Top 1% LO nmls #293883
Dave Your Mortgage Guy by
Legend Lending Corp #229421
Equal Housing Vendor I specialize in getting my clients the best mortgage possible. And getting them approved when other banks/lenders have denied them. I offer FHA, VA, Conventional, Jumbo, Hard Money, Bridge, Bank Statement, 1099 loans and more!. [email protected]

David Krichmar Mortgage
Mortgage Tips! Saving you💰
Helping 1000’s of families for 20+yrs! Top 1% LO nmls #293883
Legend Lending #229421
Equal Housing Vendor

10/29/2026

🏡 REALTORS, I HAVE A QUESTION FOR YOU! 👀

If you weren't selling homes, negotiating deals, showing properties on weekends, and answering client calls at all hours…

What would you be doing instead? 😂
Would you be traveling the world? 🌎
Running your own coffee shop? ☕
Or doing something COMPLETELY different?

I've been in the mortgage business since 2001, and I know real estate is more than just a career. It's a lifestyle!

But I'm curious what your Plan B would be.

👇 REALTORS: Drop your answer in the comments! I want to hear the serious answers AND the crazy ones!

And hey, whatever your dream job might be, I'm glad you're in real estate. I love helping you get your buyers to the closing table! 🏡🔑

— Dave Your Mortgage Guy

10/28/2026

I freaking love this place! Such a cool place with great outdoor seating, beautiful neighborhood. And the Pecan Cold Brew is my favorite coffee of all time!

10/28/2026

🏠💰 Your weekly Mortgage Rate Update is here! 📈✉️

📞📧 Call or email me today to explore your home financing options! As your trusted lender, I’m here to guide you towards the best mortgage rates.

DaveYourMortgageGuy.Com
832-689-6012

10/27/2026

Can a Surviving Spouse Use a Veteran's VA Loan?

10/26/2026

🏡📊 **TEXAS REAL ESTATE: More Homes. Less Competition. More Opportunities?**

The Q3 2026 numbers are in, and there's some interesting news for Texas homebuyers AND Realtors!

Here's what's happening across the state:

🏠 **Median Home Price: $333,628** — Down 0.4% from last year.

📉 **Closed Sales: 87,862** — Down 2.4% year-over-year.

🏘️ **Active Listings: 154,788** — Up 2.8%, giving buyers more homes to choose from.

⏳ **99 Days to Sell & Close** — Including 66 days on the market and 33 days to close.

📦 **5.5 Months of Inventory** — Up from 5.4 months last year.

**So what does this mean for YOU?**

If you're buying, more inventory and slightly softer prices could mean more negotiating opportunities, including potential seller concessions toward closing costs or mortgage rate buydowns.

If you're a Realtor, this is an opportunity to help buyers who have been sitting on the sidelines take another look at the market.

And here's where I come in. 👇

**The right mortgage strategy can make a BIG difference in what your buyer can afford.**

I've been helping people navigate mortgages since 2001, and I love finding financing solutions that help get deals CLOSED!

💬 **What's happening in YOUR Texas market?** Are you seeing more price reductions, seller concessions, or buyers jumping back in?

Drop your city and what you're seeing in the comments! 👇

— Dave Your Mortgage Guy 🏡

📲

10/26/2026

I am always thankful for a customer review, especially for one like this!

10/23/2026

🏡 Two buyers. Same goal. Completely different paths to homeownership.

Here's what most people don't realize about getting a mortgage…

The loan that works for your neighbor might not be the best loan for YOU.

Maybe you're a first-time buyer with just 3% down.

Maybe you're self-employed and your tax returns don't show your true cash flow.

Or maybe you've already been told NO by another lender.

That doesn't mean you're out of options!

I've been helping people get mortgages since 2001, and one thing I've learned is that there's almost always more to the story.

Conventional. FHA. VA. Bank statement loans. DSCR loans. And plenty of other options.

The key isn't finding just any mortgage. It's finding the RIGHT mortgage for your situation.

That's what I do.

💬 Not sure which mortgage fits you? Comment "DAVE" below, and let's talk about your options!

📲
🌐 DaveYourMortgageGuy.com

10/23/2026

🏡 REALTORS: Your buyer might not need as much cash to close as you think! 👀

Here's something I wish more Realtors understood…

Seller concessions can be one of the most powerful negotiating tools in today's market!

And depending on the mortgage program, the seller may be able to contribute a LOT more than you realize.

💰 Conventional Loans: Up to 3%, 6%, or even 9%, depending on the down payment and occupancy.
💰 FHA Loans: Up to 6%.
💰 USDA Loans: Up to 6%.
🇺🇸 VA Loans: The 4% seller concession limit doesn't include ordinary closing costs or normal discount points!

Think about that for a second…

Instead of negotiating another $10,000 off the sales price, what if you negotiated $10,000 toward your buyer's closing costs or a rate buydown?

That could make a much bigger difference in their monthly payment or cash needed at closing!

Of course, every loan program has its own rules, and seller credits can't exceed eligible costs.

But here's my point…

A good Realtor negotiates the deal. A good lender helps structure it.

When we work together, we can find solutions other people might overlook.

📌 REALTORS: SAVE THIS CHEAT SHEET! You'll want it the next time you're negotiating an offer.

💬 Have a buyer who needs help with closing costs? Send me a message. Let's see what we can put together!

📲
🌐 DaveYourMortgageGuy.com

10/22/2026

🏡 CAN'T SELL YOUR HOUSE? YOU MIGHT BE BECOMING A LANDLORD!

Houston homeowners are making an unexpected move, and it's changing the rental market! 📈

Instead of continuing to cut their asking prices, some sellers are choosing to rent out their homes.

📊 Here's what's happening in Houston:
🏠 4.3% of single-family rentals reportedly came from homes that were recently listed for sale.
📈 Lease inventory has surged 80% over the past three years.
📍 Even homeowners in Katy are turning to rentals after months of trying to sell.

But here's what most homeowners don't realize...
Turning your current home into a rental doesn't necessarily mean you have to put your next home purchase on hold!

Depending on your qualifications, you may be able to use rental income to help offset your existing mortgage payment and qualify for your next home.

💡 The key is knowing your mortgage options BEFORE making your next move.
Thinking about renting your current home instead of selling it?

📲 DM me "RENTAL" and let's figure out your next move!

🌐 DaveYourMortgageGuy.com

10/21/2026

Well I am of that age that a Everclear Concert is a freaking blast. They were in Katy recently and got to spend it with this beautiful lady.

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