David Martin has been in the mortgage business as a loan officer (NMLS ID #1057830) and several other facets of the industry since January 2005 here in Sacramento, Ca. He has worked as a junior underwriter, a wholesale representative, and loan officer trainer where he taught new loan officers everything from the basics of taking an application to ethics within our industry. It was here that he got to see hundreds of loan scenarios every month and where he honed his knowledge on how to best structure the best loan deal for his clients. Dave's team is your premier mortgage team and they pride themselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California, North Carolina, Florida, and Arizona area. He is an expert in FHA and VA purchase loans and has a widespread knowledge about first-time purchases, second-home purchases, refinance, conventional, 203(k) renovation, and jumbo loans. Shop for a home with strength and confidence with him by your side. Dave and his wife Jess work with a non-profit Studentreach.org and CompassionCauses.org and frequently travels to Nicaragua where they are passionate about working with kids and communities in need. This passion came from their honeymoon when they had the opportunity to drill a fresh water well for a community outside of Leon, Nicaragua and repair a forgotten school outside of the very rural village of El Transito, Nicaragua. Dave brings this same passion and commitment into doing a great job for you. He knows you have a bunch of questions about how a mortgage works and will take the time to answer all of your questions and to clarify how the process works from the loan side as well as the real estate side. By asking the right questions to determine your needs and he will provide you with options for you to choose from that make sense for you and your family. Essex Mortgage NMLS# 70377 To apply, visit my Website at http://www.davidmartinloans.com/