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 Miami’s premier mortgage broker for 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 wanted to purchase a new construction condominium in Longboat Key, FL at a St. Regis property for $8.2M. We obtained 75% LTV, which most banks can’t offer for super jumbo loans of this size.
Loan Amount: $5,800,000.00
Loan Type: Super Jumbo
Securing super jumbo financing with both a high loan amount and high loan-to-value can be challenging. For our client’s purchase of a new home in Malibu, CA, we structured an approval for nearly $6 million at 80% LTV despite wildfire exposure considerations.
Loan Amount: $4,960,000.00
Loan Type: Super Jumbo
Our client, a self-employed 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: $3,737,500.00
Loan Type: Super Jumbo
Despite a low credit score, our client was approved on an exception basis for a super jumbo purchase in Miami, FL after a detailed review of strong bank statement cash flow and additional compensating strengths. The file was cleared to close in less than three weeks.
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 in Sunny Isles Beach, FL. Traditional lenders don’t lend to borrowers from countries perceived as risky. Our lender had the risk appetite to close the loan.
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.
