Clear guidance, Confident closings
Mortgages with David
I understand that purchasing a home is one of the most meaningful financial decisions you’ll make. With over 20 years of experience in the mortgage industry, I provide personalized support at every stage—from your first questions to closing day. Whether you’re a first-time homebuyer, investor, or planning to refinance, I’m here to help make your homeownership journey clear, efficient, and well-guided. Expert Bilingual in Spanish
Talk to David Senior Directly
My philosophy is simple: every client and every file is different. Guided by the mindset of “Think Yes”, I tailor each loan to meet my clients’ goals—not my own. I approach every opportunity with honesty and intention, ensuring clients stay informed at every stage. I take on loans with confidence and determination, seeing each one through to the finish line with clarity, trust, and results.
Your Path to Homeownership Starts Here
With Mortgages by David by Your Side
Meet Your Loan Officer
I’m David Senior—Your Local Utah Mortgage Expert
With over 20 years of experience originating residential mortgages, I’ve helped hundreds of Utah families and investors navigate the path to homeownership. My goal is straightforward: to make the mortgage process smooth, transparent, and aligned with your financial needs.
Whether you’re purchasing your first home, building a custom property, or refinancing an existing loan, I’ll guide you through each step with clear communication and thoughtful support. And if the timing isn’t right just yet, we’ll create a practical plan to position you for success when you’re ready.
Vast array of wholesale lenders to achieve the best rate & loan program option
Free consultation via phone, video or in person
Always open to get you a Second Opinion
Who am I?
Your Trusted Partner in Home Financing
I’m more than a mortgage loan officer—I’m your partner in turning homeownership into a well-planned reality. I take the time to understand your financial goals and guide you through each phase of the mortgage process with clarity and transparency. Whether you’re purchasing your first home, building new construction, or refinancing, I’ll help you identify a financing solution that aligns with your budget and long-term plans. With over 20 years of experience, I provide consistent communication, thoughtful guidance, and steady support from application to closing.
Why Homebuyers Work with David Senior
Guiding You to the Right Mortgage the First Time
Home Purchase
Refinance
Loan Options
Every client receives a personalized game plan—even if you’re still in the early planning stages.
You’ll work directly with me, without call centers or being passed from one person to another.
My focus is on delivering attentive service, clear communication, and a structured path forward.
Your Journey to Homeownership Starts Here
At Mortgages with David, the goal is to simplify the path to homeownership. I provide steady guidance and straightforward advice at every stage, so you can move forward with clarity and confidence.
Personalized mortgage solutions tailored to your financial goals.
Experienced guidance throughout the entire home buying or refinancing process.
Competitive rates designed to help you protect and maximize your investment.
what I offer ?
Effortless Mortgages, Realize Your Dreams
I streamline the mortgage process to help turn your homeownership goals into a practical reality. With tailored financing options and experienced guidance, you can move forward through each step with clarity, efficiency, and confidence.
First-Time Buyers
Buying your first home? I’ll walk you through every step—helping you qualify, understand your options, and feel confident from start to close.
Low and $0 down payment options
Personalized loan guidance's.
Full support through the process
New Construction
Building a home? I work with builders and lenders to structure a mortgage that matches your build timeline and budget.
Construction-to-perm loan options
Timely draws and approvals
Step-by-step coordination
Investor Loans
Looking to finance a rental or investment property? I’ll help you compare your options and close quickly.
Alternative loans options available
Traditional loans with competitive rates
Expert support from start to finish
Free Consult
Get expert guidance tailored to your unique financial situation. I’ll review your goals and lay out a clear game plan—even if you’re not ready to buy yet.
Personalized mortgage advice
No-pressure planning calls
Step-by-step clarity
Refinance Help
Whether you're lowering your rate, adjusting your term, or tapping into equity, I’ll help you explore smart options.
Rate Reduction Options
Cash-Out options
Streamlined closing process
Alternative Loan Options
Sometimes a traditional loan is not something that will work. With Non-QM loan options we can review your situation to achieve the best outcome.
Qualify with Bank Statements, 1099 or Profit & Loss Statement
Qualify with your Assets
Other Options Available
Getting Started with David Senior
A Simple 3-Step Process to Your New Home
Consultation
We’ll discuss your goals, review your timeline, and explore mortgage options together to find the best fit for your needs.
Application
I’ll assist you in completing an easy online application so we can secure pre-approval and keep your process moving smoothly.
Closing
Once your loan is approved, I’ll guide you through closing day, ensuring you can move into your new home with confidence and peace of mind.
Testimonials
Frequently Asked Questions
What’s the minimum credit score I need to buy a home in UT?
Most loan programs require at least a 620 credit score, but there are options for lower scores in certain cases. I’ll review your full financial picture and help you understand what’s possible—even if you’re not quite ready yet.
How much money do I need for a down payment?
It depends on the loan program. FHA loans start at just 3.5% down, and some conventional loans offer 3% down options. If you qualify for a VA or USDA loan, you may not need a down payment at all.
There are also down payment assistant programs available that make it 0%
Are there any first-time homebuyer programs in Utah?
Yes! UT offers several assistance programs. I’ll help you see if you qualify and guide you through the application process.
Can I get pre-approved before finding a home?
Absolutely. In fact, getting pre-approved is the best first step—it shows sellers you’re serious and gives you a clear idea of your budget. I make the process quick and easy.
Thank you for visiting! I’m here to help you navigate the mortgage process with clarity and confidence. If you have any questions or need assistance, don’t hesitate to reach out—I’m just a call, text, or email away.
Licensed by Home Quest Lending
Home Quest Lending
4685 S Highland Dr Suite 105
Holladay, UT 84117
NMLS 1945211
© Copyright David Senior | 2026. All rights reserved.
David Senior is a licensed Mortgage Loan Originator (NMLS # 140309) with Home Quest Lending (NMLS #1945211). All loans subject to credit approval. Equal Housing Lender.
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