Dave Your Mortgage Guy

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

🚨 Big lender ≠ better loan.I was working with a buyer who was about to use Rocket Mortgage’s Down Payment Assistance pro...
05/28/2026

🚨 Big lender ≠ better loan.
I was working with a buyer who was about to use Rocket Mortgage’s Down Payment Assistance program…
…until we compared the actual numbers. 👀

Here’s what they found:
Rocket’s program:
❌ 3% assistance
❌ FHA requires 3.5% down
❌ About 2% in discount point costs
❌ Higher monthly payment
❌ 10-year repayment structure

My program:
✅ 4% assistance
✅ Covers the FHA down payment PLUS extra toward closing costs
✅ No income limits
✅ No area restrictions
✅ Lower payment
✅ 20-year repayment structure for lower monthly cost

The crazy part?
The client received MORE assistance and their payment was STILL lower.
This is why mortgage strategy matters.

A lot of buyers only compare rates…
…but the structure of the loan can completely change the deal.
Not all Down Payment Assistance programs are created equal.

Comment ROCKET SUCKS and I’ll run the numbers for your scenario 👇

If I become rich I wouldn’t tell anyone but there would be signs!!!!
05/27/2026

If I become rich I wouldn’t tell anyone but there would be signs!!!!

AI is about to create a massive gap in real estate…Between the agents using it……and the agents getting replaced by the o...
05/27/2026

AI is about to create a massive gap in real estate…

Between the agents using it…

…and the agents getting replaced by the ones who do. 👀

Most Realtors are barely scratching the surface with AI.

Meanwhile, others are already using tools like ChatGPT, Claude, and NotebookLM to:

✅ Create content faster
✅ Write better emails
✅ Get found online more often
✅ Stay in front of clients consistently
✅ Generate more conversations and referrals

This class is not about “future technology.”

It’s about what smart agents are using RIGHT NOW to grow their business.

I’m going to break down real-world ways I’m using AI for marketing, visibility, content, and lead generation.

No fluff. No tech nerd confusion. Just practical stuff you can actually use.

Comment “AI” and I’ll send you the signup link 👇

05/27/2026

🏠💰 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


05/26/2026

62% of Texas investors are planning this tax hack... 1031

🚨 One of the biggest myths in VA lending:“Your debt ratio is too high.”Not always true. 👀I see VA buyers get denied all ...
05/26/2026

🚨 One of the biggest myths in VA lending:

“Your debt ratio is too high.”

Not always true. 👀

I see VA buyers get denied all the time because of a lender’s INTERNAL overlay…

Not because of actual VA guidelines.

There’s a massive difference.

Many lenders put arbitrary caps like:

❌ 55% DTI
❌ 60% DTI

…and automatically kill the deal.

But VA loans are heavily based on something many people don’t even understand:

✅ Residual income
✅ Cash flow after bills
✅ Overall file strength

I’ve personally seen VA deals approved at extremely high DTIs when the overall scenario made sense.

This is why not all lenders are the same.

Sometimes the deal isn’t dead…

…it’s just at the wrong lender.

If you’re a Realtor, veteran, or buyer that got told “you don’t qualify,” get a second opinion before giving up.

Comment “VA” and I’ll help review the scenario 👇

🚨 NEW REALTOR WEBINAR 🚨How can a buyer potentially get their down payment for around $5 a day? 👀This is one of the bigge...
05/25/2026

🚨 NEW REALTOR WEBINAR 🚨
How can a buyer potentially get their down payment for around $5 a day? 👀

This is one of the biggest reasons buyers sit on the sidelines:
“I don’t have enough saved.”
Meanwhile, many are waiting years while home prices continue moving.

In this webinar I’m breaking down:
✅ My Down Payment Assistance Program
✅ Income & area limit differences
✅ Rocket’s program vs. DYMG’s
✅ How buyers may qualify
✅ Real scenarios you can use with clients immediately

If you're a Realtor and you want more solutions for buyers that think they’re “not ready yet,” this one is for you.
No fluff. No sales pitch. Just strategies you can actually use.

Comment "$5" and I’ll send you the signup link 👇

I am always thankful for a customer review, especially for one like this!
05/25/2026

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

⚠️ Unpopular mortgage opinion:“Waiting until I save more money” is not always the safest strategy.I’ve talked with buyer...
05/22/2026

⚠️ Unpopular mortgage opinion:

“Waiting until I save more money” is not always the safest strategy.
I’ve talked with buyers who spent years saving for a bigger down payment...

Meanwhile:
📈 Home prices increased
📈 Rent payments continued
📈 Buying power changed
📈 Equity opportunities disappeared

The goal isn’t to rush into buying a home.
The goal is to understand your options before assuming you need years of saving.

There are programs and strategies many buyers don’t even know exist:
✅ Down payment assistance
✅ Low down payment options
✅ Creative financing strategies
✅ Programs with fewer restrictions than people think

The most expensive mistake can sometimes be waiting based on bad information.
Comment HOME if you want to see what options may actually be available to you 👇

🚨 NEW REALTOR WEBINAR 🚨How can a buyer potentially get their down payment for around $5 a day? 👀This is one of the bigge...
05/22/2026

🚨 NEW REALTOR WEBINAR 🚨

How can a buyer potentially get their down payment for around $5 a day? 👀
This is one of the biggest reasons buyers sit on the sidelines:
“I don’t have enough saved.”

Meanwhile, many are waiting years while home prices continue moving.
In this webinar I’m breaking down:
✅ My Down Payment Assistance Program
✅ Income & area limit differences
✅ Rocket’s program vs. DYMG’s
✅ How buyers may qualify
✅ Real scenarios you can use with clients immediately

If you're a Realtor and you want more solutions for buyers that think they’re “not ready yet,” this one is for you.

No fluff. No sales pitch. Just strategies you can actually use.
Comment "$5" and I’ll send you the signup link 👇

05/21/2026

When Conventional Beats a VA Loan

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Houston, TX

Website

http://www.daveyourmortgageguy.com/Dave'sBlog, http://activerain.com/blogs/davidkri

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