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David Humbert

Vice President of Mortgage Lending
8871 W. Flamingo Rd, Suite 101, Office C, Las Vegas, NV 89147
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NMLS: 223606
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TestimonialsCustomer testimonials Read more

David Humbert went above and beyond to help us obtain our loan and close on our house. I will definitely be recommending his services to others in the future.

Sabreena B.. - Munster, IN | JAN 2017

Dave Humbert was extremely helpful with our loan. I really appreciate him jumping in and taking care of everything to ensure we were able to close within 30 days. Thanks again!

Ethan S. - Chicago, IL | AUG 2016

Dave Humbert was very helpful and patient.

Kevin K. – Chicago, IL | Sep. 2015

Dave Humbert and all those on this team were great and made the process seamless!

Raquel C. -- Oak Lawn, IL 6/30/2015

I had a couple of questions and not once did Lisa Baxter nor Dave Humbert treat us like we didn't know what we were doing. They didn't act annoyed and I respect that, even if they may have been dumb questions, they still had the patience to explain it to us and for that I am really thankful.

Dwan B. -- Broadview, IL 7/6/2015

We had worked with Dave Humbert years ago for 3 closings and knew he was very good at his job and he is definitely an asset to Guaranteed Rate. I will highly recommend him and Guaranteed Rate to anyone I know who could utilize your services.

Brian C. -- Tinley Park, IL 6/15/2015

David is one of the best loan officers what I ever meet. Definitely will go with him again in future!!

Gjorgi S. – Woodridge, IL | Apr. 2015

David has always been great to work with! I have worked with David before and he is the reason I went with Guaranteed Rate!

Jody S. -- Madison, WI 6/30/2014

Have dealt with Dave Humbert numerous times and always have been very pleased and happy with the efficiency and professionalism provided.

Timothy F. -- Tinley Park, IL -- 4/24/2014

“We had issues with other lenders being that I am self-employed and my husband is in the trades. Guaranteed Rate had no problems with this and were great to work with. Dave Humbert is out of the Frankfort, IL office and was wonderful! He explained every little detail and options we had. He answered every question without making me feel dumb for asking it. Smooth process!”

Stacy S. – New Lenox, IL – 2/2014

Hey check out the amazing review from Dawn about Dave! “Thank you to Guaranteed Rate Mortgage and Dave Humbert! I just refinanced my mortgage and it was so easy, so simple. Dave and the team Maria O. and Jean H. were very friendly, efficient and helpful! The process was so easy and very fast, completed in less than 30 days. Never will I hesitate to recommend Dave Humbert and Guaranteed Rate! Thanks for a great job!”

Dawn M. -- River Forest, IL -- 01/2013

About David

I have backround in Accounting & Marketing, which gave me great training in home finance. I specialize in thinking beyond the box and providing my clients the best home financing options. I also give back credits and discounts at closing which help my clients lower their cash to close. I have over 3800 satisfied clients during my 22 years in business.

David interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
23 years. I had a friend in the business stated I would be great at working with clients.
Who is your typical customer and what questions do they typically have?
1st time homebuyers, low down payment buyers, they have questions on ways to buy with low closing cost & minimum down
What specific steps do you use to help your customers find the best home loan for them?
Use my online application. They analyze which options would save them the most
How long have you been in the mortgage business? What awards have you won?
23 years. I was number one nationally with Chase Home Finance in number of loans nationally in 2003-2008 President's Club Guaranteed Rate 2013,2014,2015
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed is by far the best choice as rates are at 50 year lows.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Client was rejected by previous lender due to excessive DTI & lack of assets. I restuctured their debt, refinanced a car, did lender paid closing cost to help with funds & closed the loan
What advice would you give new or first time home buyers?
Keep credit card balances low, try to put 5% down to qualify for Lender paid mortgage insurance
Tell us about a mortgage product that consumers may not be aware of?
Lender Paid PMI with credit over 720
How has the mortgage industry changed since you started, and what would you expect in the future?
More regulations, technology has improved
What part of the home loan process do customers find most difficult and how do you help them through it?
What are the top 3 misconceptions people have about the home loan process?
Credit is easy, you need 20% down to buy, you can buy without established credit
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
What can borrowers do to insure a smooth mortgage underwriting process?
Save documentation, avoid major credit purchases during the process
Summary of where you grew up: family, affiliations, college, high school, etc.
Grew up Riverdale,school was Southern Illinois University
What provides you with the most satisfaction in your job as a Loan Officer?
Helping clients achieve their goals, improving their life, helping people
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Golf, fishing, walking
Tell us something that makes you unique or something wacky, yet interesting about you?
I can't sit still sometimes, but have a desk job

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