Call anytime!
480-967-TAUM (8286)
1-877-967-8286 TF
Call anytime!
480-967-TAUM (8286)
1-877-967-8286 TF
David "Taum" Hemmingsen | Mortgage Broker & Loan Officer | NMLS #51267 Marketline Mortgage, LLC |
Company NMLS #1842 Serving Cave Creek, Scottsdale, North Scottsdale and borrowers throughout Arizona
Buying a home is about more than finding a house and finding an interest rate. It's about putting together the right financing strategy for your individual goals.
I'm David "Taum" Hemmingsen, owner and mortgage broker at Marketline Mortgage, LLC, and I have spent more than two decades helping homebuyers, homeowners and real estate professionals navigate residential mortgage financing.
Whether you're buying a home in Cave Creek, moving to the area, purchasing your next home, refinancing an existing mortgage or exploring financing for an investment property, my goal is simple: Make the mortgage process understandable, personal and as smooth as possible.
I believe borrowers deserve to understand their options—not simply be handed a loan.
Its Western heritage, desert landscape, larger properties, custom homes and unique character are exactly why so many people choose to call the area home.
Financing properties in Cave Creek and the surrounding North Valley can also present situations where mortgage experience matters.
Depending on the property and borrower, financing considerations can include:
Every borrower and every property is different. That's why I prefer to start with a conversation about what you're trying to accomplish before recommending a mortgage strategy.
A mortgage broker can help borrowers evaluate financing options based on their particular financial situation rather than assuming that one loan program works for everyone.
At Marketline Mortgage, we focus on helping you understand the numbers.
That means looking beyond simply asking: "What's the rate?"
We can discuss factors such as:
Sometimes the loan with the lowest advertised rate isn't necessarily the loan that makes the most financial sense.
My job is to help you understand the difference.
Cave Creek offers something increasingly difficult to find in a major metropolitan area: a community with its own identity.
From its Western roots and desert scenery to restaurants, local businesses, outdoor recreation and distinctive neighborhoods, Cave Creek has maintained a character all its own.
If you're considering purchasing a home here, getting your financing organized before you begin seriously shopping can put you in a stronger position.
A mortgage pre-approval can help you understand:
I regularly work with borrowers throughout the Phoenix metropolitan area and Arizona.
If you're relocating to Cave Creek, North Scottsdale, Scottsdale or the surrounding North Valley, we can handle much of the mortgage process electronically while still providing personal, hands-on service.
I'll work with you and your real estate agent throughout the transaction so everyone understands where the loan stands and what comes next.
Arizona has many business owners, entrepreneurs and self-employed borrowers.
Being self-employed doesn't automatically make obtaining a mortgage difficult, but calculating qualifying income can be different from qualifying a traditional W-2 employee.
Tax returns, business income, distributions, depreciation and other factors can affect the calculation.
If you're self-employed and thinking about purchasing or refinancing, consider talking with me before you make an offer.
We can review the situation and identify potential issues early.
Whether you're buying a home in Cave Creek, refinancing, moving to North Scottsdale, purchasing an investment property or simply trying to figure out what you can afford. I'm happy to have a conversation.
You don't have to know which mortgage you need. That's what I'm here to help you figure out.
Serving Cave Creek ● North Scottsdale ● Scottsdale ● Phoenix ● Arizona