Nice to meet you! My name is,

Dave Krichmar

Loan Officer

NMLS#: 293883

Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.

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- About Me

I have been in the mortgage business since 2001.

In fact I received my real estate license in Pennsylvania when I was 19 years old, then shortly after that I went into the mortgage business and never looked back. I truly love what I do. My goal is to get you the best mortgage possible with the least amount of stress possible. This may include getting the best interest rate, fees, close the fastest and even get them approved when other lenders say no. I am very excited and thankful that you trust me with your mortgage!

I have an amazing, supportive and beautiful wife Nidia and two children Lilith and Roman. I am truly one luck guy. For hobbies I enjoy watching my Stros, Texans, Eagles and Mavs play, collect sports memorabilia and get into whatever trouble my family wants.

Here are some of the awards and national articles I have appeared in:
Ranked in the Top 1% of Loan Officers Nationally- Scotsman Guide
Government Shut Down threatens certain Home Loans – Houston Chronicle
What’s The Right Mortgage For you? Fox Business
5 Best Ways to Use a Home Equity Loan– U.S. News
Housing Market Still Hot Despite Interest Rate Surge- Fort Bend Star
Is a 40 Year Mortgage a Good Idea?– U.S. News
How To Get A Mortgage With Bad Credit?- U.S. News
Meet Dave Your Mortgage Guy– Voyage Houston
Is The Credit Scoring Model for home loans outdated?– MortgageLoan.com
Is Your Customer Service Best for You or Your Clients?     – Realtor Magazine, YPN
5 Ways to Keep in Touch with Past, Current and Future Clients  – Realtor Magazine, YPN
How To find Your Real Estate Area of Expertise    – Realtor Magazine, YPN
Can My HomeBuyers have 2 VA Loans? They Sure Can   -Houston Agent Magazine
What is a Drive By Appraisal? U.S. News
25 Topics For The Real Estate Blogger– Houston Agent Magazine
Does Your Listing Qualify for a USDA Loan?  – Houston Agent Magazine
What is a Good Debt To Income Ratio and Why Does it Matter?  U.S. News
My Interview with Houston Agent Magazine– Houston Agent Magazine
The Predictions Issue: 2014 – Houston Agent Magazine
Don’t Be Afraid to Get a Mortgage– Nasdaq.com
How To Buy a Home in Your 20s– HSH.com
More People with Low Credit Scores Buying Homes- MortgageLoan.com

I was named a 5 Star Mortgage Professional for 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020

Dave Krichmar

Loan Officer

NMLS#: 293883

- Why borrowers choose Me

A better experience, start to keys.

You’re not choosing a loan — you’re choosing the people who get it done. Here’s what that feels like with me.

I work to close on time

I stay closely involved throughout processing and underwriting, helping keep communication clear and your loan moving toward closing.

You can always reach me

I stay accessible throughout the process, so you’re never left wondering what’s happening with your loan.

I fight for your bottom line

I compare options across our lender network to help find competitive pricing, and I’ll walk you through the rates, costs, and fees in plain English.

No jargon, ever

I walk you through every option so you understand exactly what you’re signing — and feel confident doing it.

- What happens next

Four steps, and you'll always know which one you're on.

Everyone is different, but almost everyone starts in one of these places. Find yours and I’ll tell you what to expect.

We talk

Fifteen minutes on the phone. What you want, what you’ve saved, what worries you.

I start your pre-approval

I’ll gather what the lender needs and let you know where you stand once it’s reviewed.

I lay out your options

I compare programs and pricing and walk you through the tradeoffs side by side.

I get you to closing

I stay involved through underwriting and check in as things move along.

- Programs

Loan types I specialize in and where I service

These six programs make up most of what I see and they cover the majority of the buyers I meet. If your situation calls for something outside this list, I have access to plenty of other options — just ask me.

FHA loans

Often where I start with buyers who have thinner credit or savings still coming together, since the guidelines tend to be more forgiving. Less appealing if your credit is strong and you’re putting more down, because the mortgage insurance generally stays for the life of the loan. I’ll compare it against conventional for you.

VA loans

If you’ve served, this one is worth a close look. For eligible borrowers it can mean little or no down payment, no monthly mortgage insurance, and more flexible credit guidelines. I’ll help you request your certificate of eligibility. It isn’t built for rentals or second homes, since VA expects you to live in the property.

Conventional loans

For borrowers with solid credit, this is often the most economical path. Low down payment options exist, and mortgage insurance can typically come off once you’ve built enough equity. If your credit is still improving or your monthly obligations are stretched, pricing may not be as favorable and FHA could serve you better.

USDA loans

A government-backed option for buyers in eligible rural and semi-rural areas, which for qualified borrowers can mean little to no down payment. Eligibility comes down to the property’s location and your household income against local limits. Many areas near the coast don’t qualify, and income above the limit rules it out.

Bank statement loans

For self-employed borrowers whose tax returns don’t reflect what they actually earn. Qualifying is generally based on deposits over a set period rather than net income. Pricing tends to run higher than conventional, so it isn’t the answer if your returns already support the payment. A good fit when write-offs are the main obstacle.

Jumbo loans

In this market, plenty of homes call for one. These exceed conforming limits, so guidelines are usually stricter around documentation, reserves, and down payment. I’ll tell you what the file will likely need before we start. If your amount lands just over the limit, a larger down payment may bring you under it.

- For real estate agents

Send me your client and I'll keep you in the loop at every step.

Pre-approvals that hold up under a competitive offer, weekly status on every file, and a straight answer when a deal isn’t going to work. I’d rather protect your reputation than force a close.

Honesty & integrity

I treat every client the way we’d want to be treated — with transparency on rates, fees, and timelines.

Local, experienced

With my experience I can confidently recommend the financing that genuinely fits.

Twenty-plus programs

From FHA and VA to jumbo, cash-out, and investor loans — the right option, all under one roof.