David L Rosengarden
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David L Rosengarden
Since 1997, my passion is to educate people about their options with a True Cost Loan Comparison. My customers achieve their goals because I actively listen, learn, present appropriate solutions and always follow through to closing. Let me help you with your loan - we'll do a quick review, no obligation, and determine if working together is a good fit.

I look forward to your call. Send me a message now! Whether you're getting your first place or moving into a bigger one, purchasing a home is one of the biggest financial decisions of your life. That's why we make sure you have a full understanding of how the process works, and what loan option works best for you individually.
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Since 1997, my passion is to educate people about their options with a True Cost Loan Comparison. My customers achieve their goals because I actively listen, learn, present appropriate solutions and always follow through to closing. Let me help you with your loan - we'll do a quick review, no obligation, and determine if working together is a good fit.
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn't have to be stressful! We're here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-approval letter request.
NEXA Mortgage offers programs and pricing you and your clients will love. With processing, underwritting, and local appraisers that truly know our market. In addition, we have Aggessive Loan programs that you'd be hard pressed to find anywhere else at very aggressive rates. Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.
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 easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.
Conventional loans are any mortgage that is not guaranteed or insured by the federal government. Although a conventional loan is not insured or guaranteed by the government, it still follows the guidelines of government sponsored enterprises, Fannie Mae and Freddie Mac. Conventional loans may be "conforming" and "non-conforming".
Reviews (5)
B. Dunn
B. Dunn
Sep 29, 2021
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I just completed a re-fi with David, and it was a great experience from start to finish. I had started the process with another company, and their internal process drug out for over 60 days. As my frustration with the other company mounted, I remembered that David handled mortgages and I called him. The whole process with David took 2 weeks. I've already recommended him to multiple people IRL, and now I'm recommending him online. Save yourself the hassle that I had with the competition. Just go with David from the beginning.
Victor Polizzi
Victor Polizzi
Jun 29, 2021
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Positive: Professionalism, Responsiveness
David took the time to understand my individual motgage situation to put together the perfect loan. He is professional and responsive. I am happy with the results and recommend David without reservation.
Lisa Gibes
Lisa Gibes
May 26, 2021
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My husband and I recently went through the process of refinancing our home loan, which could have been incredibly complicated and ultimately unsuccessful were it not for David's amazing services and support. He got us through the entire process and was INCREDIBLY responsive throughout, even when inevitable hurdles arose.
We highly recommend working with David if you're trying to refinance. He is honest, thorough, very easy to get ahold of, and supremely kind--the exact kind of person you want in your corner when navigating the numerous twists and turns of refinancing. He knows the landscape very
Alejandro Gibes De Gac
Alejandro Gibes De Gac
May 14, 2021
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Do yourself a favor and work David! My wife and I spoke with 10+ mortgage brokers and/or loan officers until we found David. He was far and away the most responsive, resourceful, driven, and friendly person we worked with. David found us the lowest possible rate (lower than the next best option by .25%), and he held our hand through every step of the refinancing process. Even when the original lender threw curveball after curveball, David was unflappable. He was committed to my family's success, and he didn't give up until we closed on a fantastic loan. David is passionate about what he does, and
Sammy Sam
Sammy Sam
Apr 19, 2021
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Dave was very helpful and patient. Always willing to answer our questions and take the time to make sure we understood everything. Highly recommend using David for all your loan needs.