David Walterman - Mortgage Loan Officer nmls#2075624

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David Walterman - Mortgage Loan Officer nmls#2075624 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from David Walterman - Mortgage Loan Officer nmls #2075624, Finance, 151 N Kraemer Boulevard, Yorba Linda, CA.

Helping Homebuyers Save Money
Conventional/FHA/VA/USDA/DSCR-Investor/Bank Statement/Reverse/Asset Depletion
Licensed in CA/ID/WA - Wholesale Broker 90+ banks
linktr.ee/dwhomeloans

10/23/2026

As of right now, there are 63% more home sellers than buyers. This is the largest seller surplus since 2013 according to Redfin. 41 out of the top 50 metro areas are now classified as buyer’s markets- highest on record. 1 in 5 homes has already cut prices. This isn’t just a market shift, it’s a once in a lifetime window for buyers who are ready to move.
Here’s what I would tell homebuyers who have been on the sidelines. Get pre-approved and know your budget. Find a great agent who can help guide you to possible deals…homes that have been on the market a while. Then negotiate…but be specific. A price reduction is good, but it doesn’t save you as much money as you’d think. Even better, is asking for seller concessions. This is cash given to you by the seller that you can use towards your closing costs, a rate buydown, or both. Using it towards a rate buydown could potentially save you tens of thousands of dollars over time.
If you have questions on any of this, or need help getting pre approved, or you’re curious to see how much home you could afford, feel free to reach out, I’m always happy to help. My name is David Walterman and I’m a loan officer with Ease Mortgage.

10/12/2026

What happens when rates rise and there’s a little uncertainty in the housing market? The most natural thing is people adopting the ‘wait and see’ mentality. Let’s wait and see what happens with home prices…let’s wait and see what happens with rates. Here’s what I would say! Those who have adopted this wait and see mentality are missing out on what I believe to be an amazing and unique window of opportunity…to buy. Listen to this:
• 20% of listed homes saw a price cut in August, the highest percentage in a single month since 2020.
• There are now 1.5 million homes for sale, up 46% since 2023. Time to sell has risen to 50 days (on average).
• There are 58% more sellers than buyers right now, the highest delta we have ever seen since this data began being nationally tracked in 2013.
What does this tell you? It’s a BUYER’S market! There are opportunities to negotiate deals. There are sellers willing to give you cash towards your closing costs, which you can also use for rate buydowns. You don’t have to settle for the current interest rate…use the seller concessions to buy your rate down into the 6’s if you want.
Some of you may have forgotten what happens when rates come down. It’s an explosion of frantic buyers who suddenly jump off the fence and it’s all-out war where’s it’s not uncommon to see 10-20 offers being made on the same house and prices skyrocket. My advice: Get pre-approved and take advantage of this window of time to get into a house that fits comfortably into your budget.

10/07/2026

Question: Is it better to put $60,000 into the stock market and make 10% on it, or use $60,000 as a down payment to buy a $600,000 home and make a 3% return?
10% on $60K in the stock market gives you a return of $6,000. Not bad.
How about home ownership? Here’s where the power of LEVERAGE comes into play. Your $60K investment gives you a $600,000 asset. Your return isn’t on the $60K, it’s on the $600,000 home you own. 3% appreciation on your home is $18,000…that’s a 30% return.

And of course, there’s the tax benefit of homeownership. If you take proceeds from the stock market, you’re going to pay taxes on them. But, if you sold your home, up to $250,000 if you’re single, or as a couple, up to $500,000 of your net proceeds are tax free.

So what’s the better investment? Keep renting and put your money into stocks? Or trade your rent payment for a mortgage payment and live inside your investment?

10/02/2026

What is AMORTIZATION? In simple terms, it means paying down a loan balance. It's one of the ways you gain equity in your house. If you buy a house using a 30 Yr loan, you’ll see an amortization schedule that shows all 360 payments you would make to pay off your loan. Your mortgage payment is made up of 4 things: Principal, interest, taxes, and insurance.
Of your P & I portion, only about 12 % of it goes towards your principal balance reduction when you first start out, the rest goes to interest. That ratio improves slightly every single month. It’s not until around year 18 (or so) that the principal portion exceeds the interest amount. That crossover year happens sooner with lower interest rates. (example, with a 5% rate, it happens around year 16).
Tip: Making extra payments towards your principal balance can be powerful. It can eliminate years of payments, literally shortening the term of your loan, and save you thousands of dollars in interest payments.
2 takeaways:
1. Think of your principal portion of your mortgage payment as a forced savings account. That amount becomes YOUR equity.
2. Renting is essentially like paying 100% interest…your payment never ends, your rent increases each year, and you never own anything in the end.

09/24/2026

Let’s say you’re buying a $500,000 house. Is it smarter to offer $490K and borrow less money, or offer full price and ask for a $10K seller credit to use for a rate buydown?
Let’s crunch those numbers and find out.
Premise: buying a $500K home and putting 5% down, 30 yr fixed conventional.
Here’s the baseline: $500K purchase price, 5% down and a rate of 7.25% (APR of 7.481%), your Principal & Interest payment is $3,240.
Option A: Offering $490 and putting 5% down, with a rate of 7.25% (APR of 7.481), your P & I payment drops to $3,176. That’s a savings of $64/month.
Option B: Offer the full price of $500K and ask for $10,000 in seller concessions. Using that $10K for a rate buydown gets you down to a 6.625% (APR of 6.922%) and a P & I payment of $3,041. That’s a $199/month savings.
*Remember, it makes no difference to the seller…they would net the same regardless.
** Rates are subject to change.
RECAP:
Option A, offering $10K less saves you $64/month.
Option B, offering full price but asking for a $10K seller concession for a rate buydown saves you $199/month.
If you’d like to crunch the numbers for a scenario you’re looking at, or need help getting pre-approved, reach out, I’m always happy to help.

09/21/2026

Latest Housing report shows 1.4M Permits, 1.3M starts, and 1.1M completions. You’ve heard of supply and demand. The completions of 1.1M is the supply component. The demand component is Household formations (those who are ready and able to purchase a home). This is a quarterly number, and as of June 30 household formations were at 1.4M. This imbalance of supply (1.1M) and demand (1.4M) is what has kept home prices fairly resilient. What's even more important is knowing that Household Formations are very rate sensitive. As interest rates drop, the number of household formations increase. That will mean more competition and higher home prices.

09/18/2026

Homebuyers, what's your biggest fear and hurdle?
Here’s my theory of the case. I tend to believe that there are many renters out there that could potentially buy a house, but they’re stuck. It’s the Fear of the Unknown. It’s the doubt. It’s listening to the wrong voices. It’s a lot of things. But here’s what I do know. You don’t know what you don’t know! In other words, how would you know you’re not able to buy a house unless you at least try? Why not invest 5-10 minutes of your time talking with a loan officer to see if it’s even feasible? It’s a simple conversation about your income, debts, savings, and credit history. There’s no commitment, there’s no application, there’s no credit pull…it’s just a conversation. That 5 minutes could change the trajectory of the rest of your life. You might find that owning a home is a lot easier than you thought.

09/17/2026

Ok, let’s say you just found the house of your dreams and signed the purchase contract to buy it…this is when your loan process really starts. Your loan officer has shopped your scenario and found the best bank with a great competitive rate. At that point they submit your loan and it goes into UNDERWRITING. What’s underwriting? Think of it as due-diligence on steroids. An underwriter is employed by the bank and it’s their sole job to determine if you the borrower has the Ability To Repay the loan. That’s it! They’re going to examine your credit history, your employment history, they’ll look at your bank account to verify your income and assets. They’ll ask you questions like, why did you go to Starbucks 3 times on July 17 (not really). It’s as if they’re turning over every stone in your entire life, or at least it can feel that way. But don’t worry, it’s the loan officers job to be the liaison between you and the underwriter and will do all the heavy lifting for you. But think about it…it’s the underwriter's neck on the line when they give the clear to close on your loan. The UW process can take a couple days or a couple of weeks, depending on how much back and forth and how quickly you the borrower can respond. A good loan officer will do as much work as possible before loan submission, so the UW process is actually easy, or at least easier.

Happy Birthday to the most beautiful girl in the whole wide world. I’m just blessed enough to be married to her. Happy B...
07/23/2026

Happy Birthday to the most beautiful girl in the whole wide world. I’m just blessed enough to be married to her. Happy Birthday, Amy! You’re amazing in every way and it’s my greatest pleasure to live life with you and celebrate you today, and every day! Love you! 😘

07/08/2026

Mortgage Market at a glance. The daily news that affects mortgage interest rates. Today is Wednesday, July 8th. Oil is up and so are mortgage rates as the U.S. – Iran peace deal crumbles and future negotiations seem worthless. Trump said that Iran continues to lie and that negotiations are a waste of time at this point. Iran struck 3 ships with missiles and the U.S. retaliated by hitting 80 targets overnight. The price of oil is on the rise as ship passage through the Strait is once again at a standstill. Higher energy prices will bring inflation fears with it. Mortgage rates have risen after two bad days in the bond market. Regardless, it’s still a good time to buy a home if you’re comfortable with the mortgage payment. Home appreciation is forecasted to go up 4.8% over the next year. Ready to see how much home you could afford? Reach out, I’m happy to help map out a plan for you.

Address

151 N Kraemer Boulevard
Yorba Linda, CA
92870

Telephone

+15626652299

Website

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