DAK Mortgage – Florida and California Mortgage Broker
Welcome to DAK Mortgage, a full-service mortgage brokerage specializing in creative financing solutions for residential and commercial properties.
Our expertise extends to non-traditional loan programs such as super jumbo loans, bridge loans, and loans that do not require tax returns.
We offer niche products for foreign nationals and other non-U.S. citizens, self-employed borrowers, non-warrantable condos, investment properties, and properties in foreclosure.
We also specialize in helping clients who were denied by traditional banks by giving them access to alternative, non-QM loans.


David is a licensed Florida and California 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 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.”

Trustindex verifies that the original source of the review is Google. My Husband and I recently worked with DAK mortgage and had a phenomenal experience. Everyone was very knowledgeable and had great communication. Karen Poy was especially great, she has an excellent understanding of the business, was quick to respond, very informative and clear in her emails, as well as generally very kind. We were very impressed and lucky to have gone with them. I highly recommend!Posted on Google Brittany FawJuly 30, 2026Trustindex verifies that the original source of the review is Google. Where should I start with our experience with DAK... I failed to ask David if it stood for his initials or if it stood for David and Karen cause in our experience they are both equally important and responsible for the success in our story. Two weeks prior to the closing date of our home I realized we would not be able to buy our home if something drastic didn't happen and quick. So, I asked our faithful friend chatgpt "I need the top broker to get me to the finish line and deliver!" AI said your best bet is calling DAK at x number and tell them exactly this and AI wrote me a long paragraph of what I needed. David answered the phone, I told him exactly what was happening and how I got his number... He laughed... Responded I can help and then it was down to business. His knowledge and resources was exactly what we needed and he knew exactly the documents and numbers to get us approved quick then like a great sprint he passed our file to Karen who delivered like the greatest closer Mariano Rivera. Karen's advice and step by step process gave us confidence we were in great hands. And like an ending in a great Disney movie... in 5 days we were ready for closing!! You can't beat that delivery and numbers don't lie... Soooo if you are looking for a Disney ending and/or the 'greatest' closer of all time like Mariano then sign up with DAK and leave stress behind.Posted on Google Jose Carlos NolascoJune 13, 2026Trustindex verifies that the original source of the review is Google. Working with DAK Mortgage Broker Miami, especially Karen Poy and David Krebs, is always a great experience for us at Worldwide Title. We truly value working alongside professionals who are as committed to getting deals done smoothly as they are. Karen and David bring a high level of precision, professionalism, and care to every transaction. They stay on top of everything, make sure all items are received on time, and are always proactively following up to keep the process moving forward. No matter what’s needed, they’re quick to step in and help. Their attention to detail and dedication make the entire experience feel seamless and stress-free for everyone involved. If you’re looking for a mortgage broker who is reliable, responsive, and truly supports you every step of the way, We highly recommend Karen, David, and the DAK Mortgage team. Best, Worldwide Title and Team An Award Winning Escrow and Title Company in FloridaPosted on Google Worldwide Title Marcie GregorioApril 2, 2026Trustindex verifies that the original source of the review is Google. David and Karen were excellent in helping me with the Foreign home owners mortgage. I have worked with them twice now and would recommend to anyone.Posted on Google Michael FitzgeraldMarch 17, 2026Trustindex verifies that the original source of the review is Google. I purchased a condominium in NYC while living abroad and Karen and David from DAK Mortgage has been amazing throughout the mortgage process. I worked very closely with Karen and she was extremely thorough, patient, professional and guided me throughout the entire process from beginning to end. I would highly recommend their services for anyone looking to take out a mortgage.Posted on Google Julie PJanuary 17, 2026Trustindex verifies that the original source of the review is Google. I had the pleasure of working with David and Karen on a residential jumbo mortgage in Miami. They were exceptional from start to finish, and helped me secure financing that other brokers couldn't manage, with favorable terms and a great locked-in rate. They were relentlessly diligent and responsive at every stage, from pre-approval through underwriting, final approval, and a smooth, drama-free closing. They even went above and beyond by helping me secure homeowners insurance. Professional, responsive, and genuinely invested in getting the deal done right. I couldn’t recommend them more highly.Posted on Google Paul MileticJanuary 7, 2026Trustindex verifies that the original source of the review is Google. David and Karen are in league of their own. As foreign clients with a complex profile, we expected a complicated process - but they handled everything with precision, speed, and calm expertise. They truly specialize in mortgages for foreign nationals and unique clients, and it shows. They were incredibly responsive, proactive, and supportive from start to finish. What really stood out was their ability to turn what could have been a very stressful journey into something smooth, reassuring, and even uplifting. Our agents kept asking: “Who are these guys?” And “How did you find them?”. Their performance speaks for itself. With them anything is possible and I highly recommend them.Posted on Google Christopher TwymanNovember 24, 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!”Posted on Google Alex OjedaAugust 16, 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.Posted on Google Dylan DavisJune 30, 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!Posted on Google Janice MahalJune 28, 2025