NMLS Verified
About
Hi, I’m Dave Krichmar — better known as Dave Your Mortgage Guy. I’m a Top 1% Loan Officer nationally with over 20 years of mortgage experience helping families, investors, and first-time homebuyers close with confidence. Based in Houston, Texas, I proudly serve clients throughout Texas and across the U.S. Whether you’re buying your dream home, refinancing, or looking for creative lending solutions, I specialize in: • Bank-Statement Loans (perfect for self-employed borrowers) • 1099 Income Loans • DSCR Investor Loans • No-Income Verification Mortgages • Bridge Loans to buy before you sell • Traditional FHA, VA, and Conventional Loans • Jumbo and Asset-Based Financing I’m known for closing the tough loans that other lenders can’t, with...
Primary Markets
- Addison, TX
- Allen, TX
- Arlington, TX
- Austin, TX
- Barker, TX
- Carrollton, TX
- Conroe, TX
- Dallas, TX
- Euless, TX
- Fort Worth, TX
- Frisco, TX
- Galveston, TX
- Garland, TX
- Grand Prairie, TX
- Houston, TX
Loan Specialties
Interest-Only
VA
Jumbo
Renovation Loans
Adjustable-Rate
Photo Gallery
Reviews
5.0 (22 reviews)
Monica
May 9, 2025
5.0
FastExpertVERIFIED
The BEST experience ever that I have had on purchasing a home! From offer to closing, it was 2 weeks and 3 days! I will always recommend (and use if need be, again) Dave Your Mortgage Guy! Dave is definitely the #1 Loan Officer in Houston!
Jason
May 9, 2025
5.0
FastExpertVERIFIED
Dave and his team have closed many loans for me both as a realtor and personally. You will not wait for the next step, they make it crystal clear what is needed and when. Highly recommend. Dave is the best when it comes to being creative on loans for business owners, top Loan officer in Houston and Texas!
Will
Jun 11, 2025
5.0
FastExpertVERIFIED
Dave and his team are awesome! Always professional and keep everyone in the loop while working with them. A true pleasure to get a chance to work with such a great team! Dave is the best Loan Officer at being creative. To me he is the Top Loan Officer in Houston! And texas
Rick
Jul 2, 2025
5.0
FastExpertVERIFIED
Dave and his team done an amazing job! I'm a real estate broker with over 35 years of experience and although I had 5 other season mortgage lenders that I knew, none of them could do my refinance. They all said it was too complicated, but it wasn't a problem with Dave! He made the process easy and definitely deserves a 5-star rating and I highly recommend his services. Need a mortgage, use Dave, he is "your mortgage guy".
Nader
Feb 4, 2025
5.0
FastExpertVERIFIED
Dave and his team were very knowledgeable and resourceful. Made the process so much easier and explained everything thoroughly! Top Loan Officer for a First Time Homebuyer!