What We Do
I’m Howie Davis, and Davis Financial is a one-person brokerage on purpose. I’ve originated home loans since 2003, I hold degrees in finance and accounting, and I stay on every file from the first conversation to funding. Because I broker rather than lend, I shop your loan across wholesale lenders instead of one bank’s rate sheet.
Purchase
Conventional, FHA, VA, USDA, and jumbo. Pre-approvals that hold up when you’re under contract.
Refinance
Rate-and-term or cash-out. I’ll show you the break-even before you decide.
Compare Options Side By Side
Two or three loan structures with the real numbers next to each other. You pick.
Dry-funding Timelines Explained
Washington and Oregon fund after signing. I’ll tell you what that means for your move-in date up front.
Not Sure Where You Stand?
Send me your situation. I’ll tell you plainly what’s possible and what isn’t.
Cash-out and HELOC
Use your equity without giving up a low first-mortgage rate.
