I used Dave’s services to find a mortgage when I first purchased my condo in 2002. Since then, I have refinanced twice, again using his services. At every point I compared Dave against my local credit union. What are Dave’s strengths? It is not quite on price: I can probably save some money by going [...]

It was overall an extremely professional, courteous, and stress-free process. I was so very impressed with the quick and informative responses to my answers. Including the very quick turnaround of delivering us some of our requested documents via email. The appraiser was excellent, gave us a wonderful estimate and was very professional, courteous, timely, and [...]

Thanks for the comprehensive reply! After the first 8 or so replies I was leaning heavily toward skipping escrow, but your advice certainly seems solid to me. I’ll just double-check with my mortgage bank to confirm the additional charge for skipping escrow, but I’m sure you know what you’re talking about. I was only going [...]

My first encounter with Dave Donhoff and No Bull Financial was through the Motley Fool web site a number of years back. I was in the process of looking to refinance my home loan and needed guidance on my options. Dave offered unvarnished advice on what to look for and how to shop for refinancing. [...]

I have a Masters Degree in Finance and I’ve been a professional trader but I realize that shopping the Mortgage Markets is something beyond my capabilities. I also know that an unethical or incompetent broker can cost me a lot of money because their incentives are not aligned with mine. Being able to hire No [...]

For those who may remember, my DBF and I started our house hunt in January of this year (2007). Our biggest roadblocks were BF being self-employed, and middling FICO scores. On top of this, I had to coordinate our purchase with the sale of my condo, as that would be the source of our down [...]

In 2004, when my husband and I needed to close on our first house and our mortgage broker abandoned us 9 days before closing, I thought that all our hopes and dreams for the past year were going to be crushed. We had a complicated personal situation with a combo loan involving two lenders, and [...]

My wife and I were blown away with the folks at No Bull Financial. Dave and his staff are confident in what they do and make working with them fun. They’ve had an answer to our hundreds of questions. We look forward to a long working relationship with Dave and his staff. –Nathans

David is very personable and has been a pleasure to work with. He has the drive and the determination to “get to the bottom of things”; showing his work integrity and accountability to get things done right. His persistence and tenacity will definitely pay off in the long run. –Serene

David is the person you want on your side, working for you. Whether you need help with planning for a real estate purchase or sale, business planning, or personal financial planning, you won’t find a person more adept and knowledgeable that he is. David will take you through from start to finish while considering your [...]

David really delivers on the “no bull” promise by communicating clearly and effectively with a deep and detailed knowledge of real estate. I would definitely recommend him for first-time homebuyers and any one who wants a team member who really helps. –Richard

David is a knowledgeable loan broker who extends practical and sound financial advice as well as great leadership. I began working with David in approximately May of 2007 as a Loan Specialist. On several occasions I have presented various types of very difficult to fund loan requests from various types of individuals including subprime borrowers [...]

David is one of the good guys. He always does what he says he will. I highly recommend him for anything. –Ron

Dave is an excellent subject matter expert when it comes to funding real estate deals. Whether it is residential/commercial, hard money or traditional lending, Dave exudes a wealth of knowledge and will invest his own personal time and guide you every step of the way. –John

Dave helped put us in a position that when my husband lost his job, we had six months worth of emergency reserves to live off of, and we didn’t have to lay awake at night worrying about paying the mortgage! He thinks about the big picture while still caring about the emotional needs of his [...]

I first started working with David when I was at the Mortgage Store Financial in 2004. I found him to be most professional in the manner in which he conducted his business. He was creative, knowledgeable and accommodating. The people I referred to him also seemed most satisfied with the service he provided. I would [...]

Dave has got a gift rarely seen in mortgage and financial professionals. He doesn’t seem to see things in the box, nor in a straight line. Where most in the industry seem to be looking for the quick buck, Dave is thinking about how to make ME a long term buck. Putting together, and finding [...]

We used David’s services to secure a complicated mortgage on our last property purchase, and would highly recommend him to anyone. –Marianne

Dave Donhoff can help you. He is a professional. I’ve been following his posts here for years, and finally used him to secure financing on my new home two months ago. He is not bargain basement, but his service, access to products, and dedication to looking at your “bigger financial picture” should make it worthwhile. [...]

It was overall an extremely professional, courteous, and stress-free process. I was so very impressed with the quick and informative responses to my answers. Including the very quick turnaround of delivering us some of our requested documents via email. The appraiser was excellent, gave us a wonderful estimate and was very professional, courteous, timely, and [...]

Best experience I’ve ever had. This is my 3rd home purchase in life so I’ve been through this a few times! The attention to detail was INCREDIBLE. HIGHLY recommended! –Patric

I was always treated in a professional manner by No Bull Mortgage. I was well informed at all times. They did everything they could to make the loan process as easy and stress free as possible. Great refi! No glitches. –Gary & Sheila

I first got to know Dave while reading a number of his posts on the web. I found that he answered people’s questions regarding mortgages. So when I was finally ready to buy, I contacted him about a mortgage. Dave was very responsive and answered all my questions. I really felt he was looking out [...]

Well, it’s all done. I proposed our first night in the Bahamas and she happily accepted. We had a great trip and now are both excited about the wedding planning festivities. I wanted to thank you for all of your hard work through that long refinance process. You played a very important role in our [...]

I used David’s services to purchase my house and then to refinance it. I referred him to my mother twice to refinance and to my wife’s older son. I have known David for 8 years and he is an individual of high integrity. I have no complaints about his service and I recommend him to [...]

Dave has helped my wife and I to refinance our mortgage and setup a HELOC loan. Despite the length of this process Dave has been very motivated, honest and helpful. When we first setup a refinance last year we discovered that we would have to pay a large prepayment penalty. Despite the time and expense [...]

Our processing was surprisingly smooth, actually – we did a double mortgage to avoid PMI, which usually means double the potential to go wrong. We were also on a rather tight time frame. Not a hitch. Dave was the one who warned us in advance to push for the builder to be ready for appraisal [...]

Dave, you and your team have led us through a veritable maze of mortgage financing products with great care and compassion. We particularly appreciate the genuineness with which you approach the relationship and your amazing responsiveness, even on evenings and weekends. Our financial picture changed mid-way through our house-buying process and your willingness to change [...]

Throughout the whole mortgage process, from my initial e-mail to you all the way to being handed the keys to our first house, you were our source of knowledge and our roadmap to the sometimes overwhelming world of mortgage and home-buying. You handled all of our questions and concerns with patience, honesty, and a sense [...]

Too bad the loan process is a lengthy one. If we got approved in 2 to 3 days (which we know is not possible) I’m sure we would have gone with NoBull. Love the fact that its mostly electronic. Don’t loose hope on us David. We are coming to you first next year to review [...]