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.
Every homebuyer and homeowner has a different financial situation. We'll help you understand your options and find a mortgage strategy that makes sense for your goals.
Some higher-priced properties may require financing above conventional conforming loan limits. That's where jumbo financing may come into play.
Jumbo loans can have different requirements regarding credit, income documentation, assets, reserves, and property characteristics.
Rather than assuming one jumbo program is the best solution, we'll evaluate the available structure based upon your particular situation.
If you're buying your first home, don't let mortgage terminology intimidate you. You do not necessarily need a 20% down payment.
Depending upon eligibility and the loan program, there may be options requiring substantially less. We'll walk through:
There are no bad questions. My goal is for you to understand your mortgage before you sign it.
Refinancing isn't simply about getting a lower interest rate. Homeowners may consider restructuring an existing mortgage for several reasons, including:
The important question isn't simply, "Can I refinance?" It's "Does refinancing make financial sense for me?" We can run the numbers together.
I'm David "Taum" Hemmingsen, founder, owner and mortgage broker of Marketline Mortgage, LLC.
I've spent more than two decades in mortgage brokerage and residential financing. Before founding Marketline Mortgage, I worked as an executive with Fortune 500 companies.
I've also served on the faculty of the Arizona School of Real Estate, trained real estate professionals, appeared as a radio guest and television mortgage expert, and spent my career helping borrowers make informed financing decisions.
But credentials aren't what I want clients to remember.
I want them to remember that we answered the phone, explained what was happening, did what we said we would do and treated their mortgage as though it mattered—because it does.
Marketline has built its business largely through repeat customers and referrals, and that's something I'm extremely proud of.
I don't want to simply handle your next mortgage. I want to earn your mortgage business for life.
Cave Creek is more than somewhere I do mortgage business. It's a community worth knowing.
Through Taum Around Town, I highlight local businesses, restaurants, people, events and some of the things that make Cave Creek and the surrounding North Valley such a special place to live.
If you're considering moving to Cave Creek, follow along.
You'll learn about mortgages—but you'll also get to know the community you may soon call home.
No. Depending upon your qualifications and loan program, there may be conventional, FHA, VA and other financing options requiring significantly less than 20% down.
Yes. In fact, that's usually when I'd prefer to talk with you. Getting pre-approved early gives you time to understand your financing and address potential issues before you're under contract.
We can evaluate jumbo financing options for borrowers purchasing higher-priced properties in Cave Creek, Scottsdale, North Scottsdale and other Arizona communities.
Yes. Self-employed borrowers frequently require additional income analysis. Starting the conversation early gives us an opportunity to review documentation and determine how mortgage underwriting may calculate qualifying income.
We can evaluate financing for eligible investment properties as well as primary residences and second homes.
Yes. We can evaluate FHA and VA financing when the borrower and property meet applicable program requirements.
Yes. We can review your existing mortgage and determine whether refinancing may make sense based upon your goals, costs and available financing.
No. I serve borrowers throughout Arizona and am also licensed in additional states. This page focuses on Cave Creek because it's an important part of the North Valley community we serve.
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