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David Moore

Vice President of Mortgage Lending
625 Avis Dr, Ste 100, Ann Arbor, MI 48108
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NMLS: 154228
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Dave Moore went way above and beyond to help me to get my loan closed in a timely fashion, even with extenuating circumstances that were out of his control. Thanks so much!!

Kelly C - Holly, MI | Feb. 2016

Being a first time home buyer, I had a lot of questions, Dave was so wonderful in answering all of them fully without making me feel dumb. I appreciate all of your help and will recommend you in the future!

Heather H. – Closed Nov. 2015

Dave Moore is very professional and caring. He was quick to answer my question and kept me informed though the whole process.

Lynne R. – Oxford, MI | AUG 2015

We’re very pleased with how the loan process was handled through Guaranteed Rate, and we received a great rate as well. Our situation presented some unique challenges that Dave and his team met head on and handled very professionally. We are in our new home and couldn't be happier!

Pete & Kim F.

Dave made the mortgage process a pleasant experience. His dedication and attention to detail was above the standard and my loan was funded in no time. I will surely recommend Dave and Guaranteed Rate to my family and friends.

Roland S.

About David

I have been in the mortgage business since 2002. A good friend of mine was in the business at the time and he encouraged me to give it a try. Although it was a challenging transition at first, it has turned out to be a very good career move for me. Helping people with their largest financial obligation can be very rewarding!

After graduating from high school in Livonia, I went to Central Michigan University to study Business and Communications. I figured that a Business degree could take me into a number of different fields, but I can't say the mortgage field was even a consideration at the time. It wasn't until I purchased my first home that I realized all that went into getting a mortgage, and that it was such a large industry.

I'm a bit of a homebody, so when I'm not working I prefer to spend time with my wife and kids. Our boys are active in sports so we are traveling quite a bit to hockey rinks and soccer fields all over Michigan and surrounding states. On the occasional night off we enjoy throwing on a good movie or catching a game from one of our local teams.

David interview Q&A

Who is your typical customer and what questions do they typically have?
Most borrowers have three major questions: 1) What purchase price do I qualify for? 2) What will my monthly payments be? 3) How much money will I need? It's very important to give people a detailed account of the total amount they will need to purchase a home. Sure you can get a Conventional loan with as little as 3% down, but did you know you need to fund your escrow account, pay closing costs, refund the seller for pre-paid property taxes, etc.? People don't buy a home everyday so it's important to help educate them about all the little nuances.
What advice would you give new or first time home buyers?
The first thing they should do is check to see what their credit situation is. Consumers are entitled to one free credit report from each of the three major bureaus every 12 months ( I've seen it happen too many times where people are excited to start looking at homes only to find out that they have some credit issues that need to be resolved. An experienced mortgage person can review your credit report and make suggestions on how you can fix some of these items.
What can borrowers do to insure a smooth mortgage underwriting process?
Be organized and provide any requested information within a 24 hour window. We like to collect as much information as possible before the initial loan submission. That way, we paint a more complete picture for the underwriter which leads to less conditions on our approvals. This business is full of deadlines. In order for us to hit your rate lock and meet the terms of your purchase agreement, we need you to be responsive when information is requested.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love watching REALLY BAD movies! The terrible acting, dialogue, and plot points all add to the enjoyment. Added bonus for the ones that are poorly dubbed in English!

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