David A. Krebs
David is a licensed Florida Mortgage Loan Originator who can navigate you through the process of finding the right loan for your needs. Pulling from his past experience as an underwriter, David knows what it takes to get you approved for a loan.
Having worked at banks and other financial institutions in the mortgage industry since 2004, David provides a holistic “behind-the-curtain” view of what lenders really look for when deciding whether to loan money.
“I’m not just a mortgage broker. I’m a problem solver. Whatever your scenario, I have a creative loan program to fit your exact needs.”
Karen Poy, Esq.
Karen has been a licensed Florida attorney since 2006. For 13 years, she worked at K&L Gates, where she was a Commercial Litigation partner. In 2019, she joined David to form DAK Mortgage and she oversees the details of all of their clients’ loan requests from start to finish.
Combining her litigation experience with her real estate expertise, Karen is a trusted advisor for all legal aspects of any property transaction, from simple to complex.
“I understand the importance of timely and accurate communication with clients, and I always put their interests first.”
As a mortgage broker of residential and commercial loans, we’ll match you with the right lender to give you the best loan possible.
Whether you need to purchase, refinance, construct or renovate, we’ll find a loan custom-tailored for you.
Loan Amount: $6,146,900.00
Loan Type: Super Jumbo
Our client was under contract to purchase a new construction condominium in a St. Regis property for $8.2M and he needed the highest loan amount possible. We obtained 75% LTV, which most banks can’t offer for super jumbo loans of this size.
Loan Amount: $4,960,000.00
Loan Type: Super Jumbo
Our client, a plastic surgeon, was under contract to buy a $6.2M home in Laguna Beach, CA. His bank capped his loan amount at $3M. Our lender provided him with nearly $2M more at 80% LTV.
Loan Amount: $4,290,000.00
Loan Type: Super Jumbo
Our client, a CEO of a family-owned company, was under contract to purchase a $6.6M home in West Palm Beach, FL. His tax returns didn’t show sufficient income, so we used 12 months of his business bank statements instead.
Loan Amount: $2,318,000.00
Loan Type: Rental Portfolio
Through a single loan known as a rental portfolio loan, our client did a cash-out refinance on his portfolio of 12 rental investment properties in Florida at once. He now makes one single monthly mortgage payment for all 12 properties.
Loan Amount: $2,295,000.00
Loan Type: Jumbo
Our client was under contract to purchase a luxury condo, but his ongoing divorce and complicated tax returns (over 1,300 pages) led to a bank denial. We found him an alternative lender that was able to underwrite his complex income streams.
Loan Amount: $2,100,000.00
Loan Type: Foreign National
Our client, a foreign national from Venezuela, needed to refinance their investment property in the Jade Signature. Traditional lenders don’t lend to borrowers from countries perceived as risky. Our lender had the risk appetite to close the loan.
Loan Amount: $2,020,000.00
Loan Type: Non-Warrantable Condo
Our client, a green card holder from Argentina, was denied by another lender because the new construction condominium project was less than 50% occupied. Our lender granted an exception and closed the loan.
Loan Amount: $2,000,000.00
Loan Type: Non-Warrantable Condo
The condominium that our client wanted to buy was particularly challenging because the association had zero reserves in their budget. We secured an 80% jumbo loan despite that hurdle.
Alex OjedaAugust 16, 2025Trustindex verifies that the original source of the review is Google. “It was an incredible experience buying my 5.75M home thanks to David and Karen at DAK Mortgage. They worked tirelessly around the clock to make the entire process smooth, guiding me through every step and ensuring all the paperwork was handled quickly. They even connected me with a CPA to make sure everything was set up properly. If you’re a business owner or self-employed, they are the perfect lender to work with. Truly a dedicated and professional team!”
Owner's reply
Hi Alex - Thanks so much for sharing your experience. It means a lot to us that you felt supported every step of the way—especially as a business owner navigating a super jumbo mortgage in Miami. Karen and I are passionate about helping self-employed clients achieve their real estate goals. Wishing you all the best in your new home, and we’re always here for any future home financing needs! Dylan DavisJune 30, 2025Trustindex verifies that the original source of the review is Google. Was nervous about getting a home loan but these guys helped a lot. They explained all the numbers so I could understand what I was signing. Found me a lower rate than what my bank offered too. Process moved pretty fast and they handled most of the paper work for me. At one point I got confused on the closing costs but they broke it down again. Everyone I talked to was friendly and seemed to know their stuff. Just make sure to get all your documents in early, it helps. I’d use them again no question. Janice MahalJune 28, 2025Trustindex verifies that the original source of the review is Google. My husband and I had a phenomenal experience with David. From the point of initial contact he was prompt, responsive, and helped us secure a home loan with a turn around time of 4 weeks between applying and closing on our home! We had specific needs for a physician loan, but David was able and willing to find us the appropriate lender in a quick and efficient manner. We are so grateful to have found him and will be recommending him to all of our friends and colleagues. Thank you!
Owner's reply
Hi Janice - Thank you so much for the kind words! It was a pleasure helping you and your husband secure physician-specific financing. Grateful for your trust and happy to see you settled in your new Miami home. Wishing you both continued success, and I appreciate your referrals to friends and colleagues! Stephen SimmersJune 21, 2025Trustindex verifies that the original source of the review is Google. David & Karen exceeded my expections during the entire loan process. They were able to navigate a rather complex cash out refinance of our waterfront property beyond the parameters of any traditional bank models. They were providing me guidance, updates, and expertise throughout the underwriting, appraisal, and closing process on a daily basis. I have used traditional banks and lenders in the past, and have never received the elevated attention and service that I received from the DAK mortgage team. They were able to find us the perfect mortgage product to fit our situation. We will certainly engage David & Karen for all of our future mortage lending needs.
Owner's reply
Steve: Thank you for the kind words and for trusting us with your cash-out refinance. It was a pleasure helping you and Carol structure the right solution for a unique property and scenario. We understand the importance of timing and communication throughout this process, and we’re pleased to have delivered. We look forward to helping with any future needs and we’re always here as a resource. BenJune 9, 2025Trustindex verifies that the original source of the review is Google. I have worked with many mortgage professionals over the years and without a doubt both David and Karen were the best to work with by far. They handled with me both straight forward as well as complex issues, which most others shied away from, using their creative solutions to what they had to work with. They are both knowledgeable, personable, and diligently on top of things to get things done as soon as possible. In my opinion they genuinely wanted to help me accomplish my goals, which is very rare to find these days, especially on complex difficult issues. I will be forever grateful for the assistance they both provided me, and they will always be my first and most likely only phone call I need to make whenever the need should arise. They are the epitome of what a professional should be in every way. I highly recommend them.
Owner's reply
Hi Ben - Thank you, we truly appreciate your kind words. It was a pleasure to help you and your family with your mortgage needs in New Jersey. It’s an honor to be your go-to resource. Whenever you need us again, we’re here to help! Antonette D'UvaMay 7, 2025Trustindex verifies that the original source of the review is Google. Thank you Karen and David for a seamless closing of my mortgage. Not only are they professional but personal as well to close the loan. My experience wouldn’t have been the same without them!
Owner's reply
Hi Antonette - Thank you for your kind words and for choosing us for all your mortgage needs. We look forward to working with you again! Kahlee SmithApril 9, 2025Trustindex verifies that the original source of the review is Google.
Owner's reply
Kahlee - We appreciate the 5-star rating! We specialize in creative lending solutions — and this was a great example of how the right structure can help clients transition from bridge loans to long-term financing. Thanks for trusting us with your move! Stephen McGuinnessAugust 7, 2024Trustindex verifies that the original source of the review is Google. I recently worked with Karen and DAK Mortgage to obtain a nontraditional mortgage on an investment property. Karen is a consummate professional who understands the mortgage industry inside and out and who leveraged her contacts to get me the best possible rate. Working with Karen and her team was a pleasure, and I wholeheartedly recommend DAK Mortgage for all of your (nontraditional) mortgage needs!
Owner's reply
Hi Stephen - Thank you so much for your kind words and for choosing DAK Mortgage for your cash-out refinance on your investment property. We're thrilled to hear that Karen and the team were able to assist you in obtaining the best possible rate through our nontraditional mortgage programs. John MadlJune 7, 2024Trustindex verifies that the original source of the review is Google. I recently had the pleasure of working with David and Karen for a mortgage and I cannot recommend the DAK Mortgage Team highly enough. From our first consultation they demonstrated exceptional knowledge and professionalism. The team took the time to understand my unique financial situation, explain the various mortgage options available, and guide me through each step of the process. Their expertise and attention to detail were evident in every interaction. One of the things I appreciated most was the team’s communication. They were always prompt in responding and provided clear information that helped me make informed decisions. I felt like I had a true partner advocating for my best interests.
Owner's reply
Thanks, John! It was a true team effort. Congrats on your new purchase and we look forward to working together again.
DAK Mortgage specializes in non-QM loans, including foreign national mortgages, luxury condo financing, solutions for self-employed borrowers, and super-jumbo loans for high-value properties. The majority of our clients come to us after being denied by another lender.
A non-QM (non-qualified mortgage) loan is designed for borrowers who don’t meet traditional loan guidelines, such as self-employed individuals or those with complex tax returns. It offers flexibility that traditional banks may not provide, making it easier to secure financing.
At DAK Mortgage, we tailor each loan to your specific financial scenario. Many banks have rigid requirements, but we work with a wide range of lenders to find the best fit for your unique needs. Our personalized approach ensures that you get the best loan options available, especially in complex cases.
A mortgage broker, like DAK Mortgage, works as an intermediary between borrowers and multiple lenders, offering more loan options. A mortgage banker lends directly but may have fewer choices. Brokers can often secure financing for more complex cases.
The process starts with a consultation to assess your needs. We then collect an application package from you, match you with the right lender and guide you through the application process. Our experienced team works with the underwriters to ensure a quick and efficient close, tailored to your financial situation.
The average time to close a loan with DAK Mortgage is between 18 to 24 business days, with our fastest closing being just 4 business days. This is significantly quicker than the industry average of 30 to 45 days, as we focus on efficient processing to meet your timeline.
With over 20 years of experience, we help clients with challenging credit histories, self-employment, or those facing foreclosure. Our deep knowledge of alternative lending solutions, credit analysis, and underwriting allows us to close deals where other professionals might fail.
The best interest rates are typically offered to borrowers with top-tier credit and low-risk profiles. At DAK Mortgage, we thoroughly analyze each client’s specific loan scenario to extend the most competitive rate possible. Factors like credit score, loan amount, property type, and financial history all impact the rate. Even for more complex or higher-risk loans, we work to secure the best rate available based on your unique situation.
Super-jumbo loans are typically designed for properties valued above $3 million, often used for high-net-worth clients looking to finance multi-million-dollar properties. These loans offer flexible terms for luxury real estate transactions.
We specialize in Non-QM loans that don’t require traditional tax returns or pay stubs. Our expertise in underwriting complex financials allows us to help self-employed clients secure financing, even when they don’t have consistent documentation of income.
We offer specialized financing solutions for non-warrantable condos, including properties facing litigation, low reserves, or high HOA delinquency. These loans provide the flexibility needed to purchase high-end properties that traditional lenders might avoid.
Yes, we help foreign nationals, permanent resident aliens, and work visa holders secure mortgage loans for properties in the United States. We specialize in navigating the complexities of this niche financing area for high-end properties.
Yes, we specialize in providing bridge loans for clients who need short-term financing for non-cash-flowing properties or those facing ballooning mortgage notes. This type of loan helps keep your transaction moving forward, even when traditional lenders won’t approve financing.
Physician mortgage loans are designed specifically for medical professionals, including Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Oral Maxillofacial Surgery (OMS), Doctor of Podiatric Medicine (DPM), as well as residents and fellows. These loans offer favorable terms like no PMI, making it easier for medical professionals to secure high-value mortgages.
Yes, we offer No-Ratio loans for borrowers who may have a high DTI or spotty income but maintain good credit. This program is ideal for clients who struggle to qualify for traditional loans due to income inconsistencies. With a No-Ratio loan, approval is based more on creditworthiness and the value of the property rather than income documentation.
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DAK Mortgage is a licensed mortgage broker that can navigate you through the process of finding the right loan for your needs.