Rating check boxes

There is so much hype and just plain exaggeration these days, that it’s hard to know who to trust. Many people turn to recommendations. Here are a few reviews that clients have written to me directly. You can check out more on Yelp or Angie’s List.

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Client Reviews

“I can’t recommend David enough!

My husband and I were at the end of our ropes in our home buying process. Our real estate agent was inexperienced and uninformed. When we first started working with our agent, he recommended we work with a rep from a certain national banking institution. Being first time home buyers, we met with this rep to explore our options. He proceeded to provide us with a grossly inaccurate GFE. Everything was on “his” time and he showed very little interest in working with us.

After bemoaning our situation to a coworker, she recommended David as he helped her purchase her home a year ago. She couldn’t stop raving about David. So, naturally, I reached out to him for a meeting.

What impressed me initially was his willingness to work on OUR schedule. He came to our home in the evening to meet with us – how many people would really do that?

After meeting him, we knew immediately that he was someone we wanted to work with. Turns out, he was the best decision we made throughout this entire process. He was able to get us an amazing rate and a fantastic loan (where we had VERY little in closing costs). He even came to our close of escrow with us, for moral support and to answer any questions we had.

I can’t say enough good things about David. He was the ONLY one who helped us in this process. David is amazingly patient and clear. If we had any questions, we knew we could always come to him and ask. He knows his stuff – that’s for sure! I never walked away from a conversation confused or concerned.

I would recommend David ten times over to any folks looking for a skilled, committed, and informed mortgage broker.”

Stephanie B.
(First-Time Homebuyer)

“While most inexperienced buyers think it is primarily the realtor who has to know their stuff when purchasing a house, the lender in most cases is just as important, if not more. There are so many things to watch out for, papers to sign and documents to get in. David and his staff were great. They communicated rapidly, cleared up questions and got my loan approved and funded faster than anticipated. You would be smart to use his company.”

Barry F.
(First-Time Homebuyer)

“David is a knowledgeable, competent and trustworthy mortgage broker who looks after the clients best interest at all times. He stays on top of things and lets me know what is happening with each step of the loan process. I don’t have any worries when David is doing a loan for any of my clients.”

Mellisa O.
(Real Estate Broker)

“Can not recommend David enough! He gave me at least an hour consultation by phone for free– months and months before we were actually ready to buy a house. He helped steer us in the right direction as far as what we could afford and what we were looking for. We got pre-approved for a loan at our credit union and when we called David for a second opinion he found us a way better rate! He also helped us figure out how to build our closing costs into the loan so we could have money leftover for renovations.

He met us in the evening at our home whenever he needed us to sign things so we never

had to interrupt our work schedule. He saved us money and looked out for our interests every step along the way, which was particularly important because we were buying directly through the seller’s agent.”

K. G.
(First-time homeowner – income property)

“David knows his business thoroughly, and found me a much better deal than I was being offered by my usual sources. His attention to detail and friendly service made the whole thing happen quickly and without any mistakes. Couldn’t be better.”

John S.
(Refinance loan)

“Dear David,

Words cannot even begin to describe how grateful my husband El and I feel to have you as our mortgage broker. After looking for a house for over a year and through many failed attempts to get an offer accepted you never gave up on us.

Even when we finally did get an offer accepted and we nearly fell out our escrow twice you never wavered. You
got us a loan even when most places turned us down. You stayed calm and positive through all the ups and downs and for that we are eternally thankful for your professionalism, patience and awesome expertise.

Most places would have given up on us a long time ago but you went the distance and saw us all the way though to our dream house. We will definitely spread the word to all of our friends and family that your company should be their first stop when they are ready to buy or refinance a house.

Thanks again and we wish you many years of success.

Best regards,”

Sharon & El
(First-Time Homebuyer)


You were our Sherpa though this whole experience. From pointing us in the right direction nearly a year ago, to always being at the other end of the phone for the tiniest question, you helped make our dreams come true. Hope to work with you again some time in the future.

Thank you.


Kindred & Antony & Gigi
(First-Time Homebuyer)

“To whom this may concern,

David Kutner has done a superb job helping us get our very first home loan. He took the time to listen to our needs and always put our best interest as his utmost concern. His role should be modeled for others to follow because he performs with high ethical standards and dedication that comes from the heart. I will always use David for my loan needs in the future and will recommend others to do the same.


Michael & Jennifer
(First-Time Homebuyer)

“Dear David,

I just wanted to write to let you know how happy Sara and I have been with your services. Your help with financing for our new home has been beyond our expectations.

From the time we contacted you nine months ago to ask you questions and get your guidance, to the time we got an offer accepted and through to the close of the transaction, you have always been responsive to our calls and patient with our

endless questions.

You made our complex transaction very easy for us, though I know you were working very hard behind the scenes to make everything work out. My financial situation certainly wasn’t the normal one – as my work in the entertainment industry is very much on a project basis, which I know makes it hard for lenders to understand. Yet, you guided this through with relative ease. And, you got us great rate with a minimal cost!!

Sara and I cannot thank you enough for all your help and working hard to get us a great deal.

I would be happy to recommend you without any reservations to anyone looking for home financing. Thanks again for everything!


(Prior Homebuyer)

“Dear David,

Just wanted to say thanks, and I appreciate the great service you gave me on my recent investment property purchase. You were one of the few trouble-free and, at all times, friendly and helpful persons I encountered in the very complex and time consuming process.

I remember receiving interest rate quotes 2% higher from others than what you found for me and being disgruntled at times, but with you on the line, I was able to overcome the obstacles. Now that the purchase is complete, I wanted to let you know that I couldn’t be happier with the purchase and the rate and loan you got me on the property. Thank-you for all your help – I know it went well beyond ‘the norm.’

My very best,”

Allen G
(Experienced Investor)

“I have refinanced my home with David and I’ve found him to be totally professional, diligent and very easy to work with. He’s put my interests, first, even when that has meant going out of his way to make sure my loans work out to my advantage. When we couldn’t get our initial appraisal to work out, David put in some intense effort to find a way to get the real value of our property established. As a result, we got a loan that allowed us to consolidate our remodeling costs into a lower-rate mortgage, which saved us a considerable amount of money.

I would recommend David to anyone who needs a home loan. He’s a person you can trust to look after your interests, solve any problems and make sure you get a very good deal. He’s a nice guy, too.”

Dan C.
(Refinance Client)

“David knows his business thoroughly, and found me a much better deal than I was being offered by my usual sources. His attention to detail and friendly service made the whole thing happen quickly and without any mistakes. Couldn’t be better.”

John S.
(Refinance Client)

For more reviews click the Yelp icon.