David and his team were amazing. They did an outstanding job of Helping us refinance our mortgage loan. We ended up with a great interest rate and we were able to knock 10 years off of our loan and keep the payments close to the same.

I was interested in possibly doing a home refi and I contacted David to talk about it. He was very communicative and knowledgeable without being pushy at all. Gave me enough information to make the decision to refi my home. The whole process was very quick and painless. Working with David was a complete joy and I’m so glad it went smoothly!

David Smith and his team were great! Smooth process...very happy!

David kept me in the loop the whole time and answered all my questions in a timely manner, even after normal business hours. He explained the different options and which one would save me the most money in the long run. I would definitely recommend him to anyone buying a house.

David Smith helped me purchase an investment home. Great Job! On top of things. I have him working with me to help my clients get into a home. Tim Barrans, Barrans Realty

David Smith helped us with refinancing our home. We appreciated how he kept us informed every step of the way! David was professional and was quite flexible with our schedules as he walked us through the process. In the end, he helped us save a lot of money! Thank you David!

David Smith did our refi. He was careful and thorough and kept us informed every step of the way. Would recommend.

I worked with David Smith at Emerald Pacific. Honest, sincere, kind and understood my needs!! Worked hard and found the best financial fit for my construction and home loans. Like a friend in supporting your best interests.

I couldn't ask for more. I had put off re-financing for over a year, primarily because I didn't know where to start. David Smith walked me through each step, answered all my questions, and saved me lots of money. It was comforting knowing I was in good hands. Thanks Blake

David was immensely patient with us when we didn't understand something or when we had a mini melt-down. There were a couple of times when he went to bat for us and had a situation rectified. Throughout the whole loan process we felt he was on our side, looking out for our interests. So, we think David is terrific, and very professional.