David Pemberton Email & Phone Number

I believe in the importance of homeownership and real estate investment as part of a strong, balanced and accessible wealth portfolio. Mortgages are a powerful tool opening the possibility of homeownership early in adulthood with only a modest initial investment. Used judiciously, mortgages function to help build and expand home equity and other financial opportunities during wealth-building years. At retirement, mortgages can be used to provide a stream of tax-free income, make home equity accessible as a liquid contingency reserve, and enhance the performance of other market assets for greater safety and a larger legacy to heirs.Solutions:Purchase financingRefinance for improved terms, increased cash-flow, cash-out, term reduction, inheritance/divorce buy-outsConstruction & Renovation financingReverse Mortgages for cash-flow, income, contingency reserve, and portfolio preservation Summary Bio:- 22-year home & investment property owner- 25 years mortgage and real estate industry experience- Excellent communicator- Proactive, solutions-oriented approach- Advanced knowledge of mortgage, credit, personal finance & real estate- NMLS Licensed Mortgage Loan Originator #320002- Licensed Broker, CA Dept of Real Estate #01202395- Certified Liability Advisor, CLA

Listed skills include Mortgage Lending, Loans, Real Estate, First Time Home Buyers, and 12 others.