Author: David Frum

I have 25 years experience in the mortgage industry. I joined E Mortgage Capital (EMC) because they were the best fit for me as a loan consultant and for my clients and realtor/financial partners. As a Mortgage Banker at EMC, I have the tools and ability to find you the outstanding mortgage loan terms, a large variety of mortgage products, and fast, personalized service. I am doing what I enjoy best and that is helping folks achieve their dream of home ownership or helping them refinance into better loan terms. I give personal consultation with each of my clients to achieve the best possible deal for their qualifications. Loans I specialize in include FHA, VA, USDA, Conventional, 203K and Conventional Rehabilitation loans. Also, I can help find loans for first time homebuyers, grants, down payment assistance, those who need cash, home equity lines, new construction or construction to perm loans, commercial loans, debt consolidation, have low credit scores, have had bankrupcties, f…

Warranty Standardization Can Unlock Trapped Building Benchmarks: What Homebuyers Need to Know

Over my 25 years in the mortgage industry, I have seen plenty of changes in how we evaluate properties and assess risk. One topic that has been gaining traction lately is something that might sound a bit technical at first: warranty standardization and building benchmarks. But trust me, this matters more to your home purchase […]

Refi Demand Declining Even Before Most Recent Rate Spike: What This Means for Homeowners

If you have been thinking about refinancing your home, you are probably watching the mortgage market closely right now. And if you have been hesitating, waiting for that perfect moment to pull the trigger, this week’s news might have you wondering if you have missed the boat. Let me break down what is happening and, […]

Bonds Rally on Peace Deal Hopes: What This Means for Mortgage Rates and Homebuyers

After 25 years in the mortgage industry, I have learned that markets can turn on a dime. Yesterday was one of those days that reminded me why I tell my clients to stay engaged and ready. Bonds rallied on hopeful headlines about potential peace developments overseas, and that movement has real implications for anyone thinking […]

Understanding Cash Election Proration in Real Estate Mergers: What Homebuyers Should Know

Over my 25 years in the mortgage industry, I have seen plenty of changes in the real estate landscape. Companies merge, markets shift, and through it all, homebuyers and homeowners are left wondering what it means for them. Today, I want to talk about a topic that has been making headlines lately: cash election proration […]

What Is Driving Reverse Mortgage M&A Activity Right Now?

If you have been following mortgage industry news lately, you have probably noticed a lot of chatter about mergers and acquisitions. While the forward mortgage space has seen plenty of headline-grabbing deals, something quieter but equally significant is happening in the reverse mortgage sector. As someone who has spent 25 years helping families navigate their […]

Mortgage Rates Hold Steady: What This Means for Your Refinance Plans

After 25 years in this industry, I have learned that some of the best news in the mortgage world is when nothing dramatic happens. And that is exactly what we saw today with mortgage rates moving sideways to slightly lower. Now, I know what you might be thinking. How is boring news good news? Let […]

Why Flexible Private Capital Is Becoming a Builder Growth Strategy

After 25 years in the mortgage industry, I have seen financing trends come and go. But what I am seeing right now in the construction lending space feels different. Regional and mid-sized builders are rethinking how they fund their projects, and flexible private capital is quickly becoming a go-to growth strategy. Let me explain why […]

What the Current Housing Market Means for Your Refinance Decision

Over my 25 years in the mortgage industry, I have seen markets shift in ways that caught even seasoned professionals off guard. Right now, we are in one of those moments where the landscape is changing, and I want to share what it means for you, especially if you are considering a refinance or wondering […]