For over two decades, Dave has offered home buyers and owners a quality choice in home finance. He is an experienced mortgage broker with a demonstrated history of analyzing clients' needs, providing multiple solutions and then getting the loan completed in an efficient manner. If it's a residential mortgage of any kind - small, medium or large; purchase or refi; conventional, FHA, VA or HECM (reverse) - in California, Oregon or Washington, then you've found the right broker for the job!
Services
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
We're here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
We're here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
Reviews (10)
Kevin Blessum
Apr 13, 2021
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Dave went above and beyond for me in ways that I didn't expect and couldn't be more grateful for. He is incredibly knowledgable in his line of work, and he'll always work every avenue to get you the best price possible. I even had refinance companies respond in awe when I told them the rate that Dave was able to lock in for me!
He is a man of great integrity, very communicative, and I'd happily recommend him to anyone I know. Thank you, Dave!
He is a man of great integrity, very communicative, and I'd happily recommend him to anyone I know. Thank you, Dave!
Lou Palandrani
Apr 04, 2021
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Dave Hanks @ Quality Choice Funding has provided me and my family excellent service in regard to 3 home financing transactions (refinance and investment properties) over the past 6 months. He provided options, made thoughtful recommendations and provided open communication throughout the course of each process. All 3 transactions closed without issue. I would highly recommend Dave for any home financing needs.
Lou P.
Lou P.
Amy Koos
Mar 15, 2021
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Dave Hanks did a great job guiding us through the financing process. He got an excellent rate for us and additional credit from the lender on top of it. With all of his experience he advised us where the sweet spot was for the choices available. He answered questions and was moving the process forward 7 days a week. Our realtor AND the title company rep were impressed. It was the best financing experience we have had!
C. L.
Nov 10, 2020
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Dave Hanks was great! We used him as our mortgage broker to refinance our home. He was patient, willing to explain everything, gave us great advice, didn't try to rush us, and was willing to look and wait until the best interest rate came along. He provided us with a spreadsheet of choices and offered guidance to help us make the best decision. And he was willing to take calls at all hours of the day and night. At one point, he even alerted us to a document that arrived at 3 am in the morning! We can't wait to work with him again. He really looked out for us.
Mark Sherrill
Aug 09, 2020
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Allison Palandrani
Jun 25, 2020
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Positive: Professionalism, Quality, Responsiveness
Where do I begin?! Dave is so helpful in explaining everything you need to know and getting the loan done in as low stress as possible. He once even waited in a DMV line for me while I rushed to get there from work so that I could complete some forms needed for our loan. I mean-who does that?! I can’t recommend him enough!
Where do I begin?! Dave is so helpful in explaining everything you need to know and getting the loan done in as low stress as possible. He once even waited in a DMV line for me while I rushed to get there from work so that I could complete some forms needed for our loan. I mean-who does that?! I can’t recommend him enough!
Jacque Lopez
Dec 05, 2019
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Diane Morissette
Oct 27, 2019
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Andrea Carstensen
Jul 11, 2019
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Dave Hanks is extremely professional, knowledgeable, efficient, and personal in working to give his customers the opportunity to choose the perfect mortgage loan for their needs. I’ve worked with him several times to refinance my mortgage and each time he has made the process smooth and timely. I highly recommend him to my friends, family, and anyone looking for the services his company provides!
Woppini
Aug 14, 2018
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