David Banks, Mortgage LenderFriendly Lender that Cares & Educates
NMLS# 332232 | DRE# 01371423
What I Can Help You With
I strive to listen, educate and provide my clients with truthful and helpful information. I process all mortgage loans with character, integrity and 100% customer satisfaction. I serve clients throughout Northern California.
How to Save
Integrity Mortgage is a local and powerful mortgage company with access to a wide range of home lending solutions.
Conventional Fixed Rate Mortgage (custom terms available)
Debt Consolidation Refinance
Adjustable Rate Mortgage
Mortgage Lender that Cares and Educates
Do you remember your last mortgage loan? Was your loan officer available after hours, on weekends, and on YOUR schedule? Did your loan officer at the title company for your final loan signing? Has your loan officer been in contact with you after your loan funded? If your loan was made by me, the answer to all these questions would be YES, YES, and YES!
What Clients Say…
“David is the most ethical, knowledgeable & caring lender that I have EVER worked with.“
Recently my Husband and I refinanced our house with Dave. He kept us updated on how things were going. He was able to get us the lowest interest rate available. He’s an honest and trustworthy guy, who makes this experience effortless. We would highly recommend Dave for anyone who is purchasing a new home or refinancing an existing loan.
David is the most ethical, knowledgeable & caring lender that I have EVER worked with. I always recommend him to all of my clients as I know that he will take outstanding care of them, something that I do not find with any other lenders I have encountered in my 13 years of working in Real Estate. He always does what is best for the client, even if it means that he will not see any financial gain from the solution!
Frequently Asked Questions
Don’t mortgage brokers charge more for loans?
This is a complete myth! In fact, a good mortgage broker like Integrity Mortgage will usually cost you less than a bank, credit union or other finance company. The lending experience will be personalized and service will be superior!
How can I get the lowest interest rate?
Interest rates literally change daily and sometimes multiple times throughout the day. The only interest I have is getting you the lowest possible rate I can offer at the time I lock your loan. Paper, TV and Internet lending advertising are designed to get you to call. Most of the time their programs do not apply, or their interest rates are weeks old. If it seems too good to be true it usually is!
Why use a mortgage company over your bank for home financing?
The answer is simple. A Mortgage Company like Integrity Mortgage has access to a variety of lenders, programs, and rates. Banks, credit unions, and finance companies don’t. There are many lending programs available in today’s competitive world. Rates and pricing differ widely among lending institutions, which is another advantage to using a mortgage loan broker. A good mortgage loan originator like myself will research and place a loan with the lender that is most competitive and meets each client’s needs.
Phone or Text (Mon-Sun)
9290 Madison Avenue, Orangevale, CA 95662
NMLS# 332232 | DRE# 01371423