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 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.”
Stephen McGuinness2024-08-07Trustindex 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! John Madl2024-06-07Trustindex 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. Mary Beth McNamara2023-12-06Trustindex verifies that the original source of the review is Google. David and Karen made a very complex refinancing incredibly easy and smooth. I would not hesitate to work with them again and would recommend them for anyone with non-traditional mortgage needs! Tom Pessemier2023-11-30Trustindex verifies that the original source of the review is Google. David is an outstanding resource for people who can't find financing anywhere else. I am a 20+ year mortgage professional myself - and recently had a client that none of my 100+ investors would touch. There was a recently filed foreclosure notice, and David was able to get a private lender to take these clients on. I am amazed that he got this done. These clients had a ton of equity - but this was an extremely tall order. David was able to get them closed, and worked really hard to make it happen. David, I can't thank you enough - and I hope you have a long and successful career. You're one of the good guys. Keep up the great work! Julie Smith2023-11-02Trustindex verifies that the original source of the review is Google. It was a pleasure working with such a professional. From the first phone call David did exactly what he said he would do. My buyers were able to get the home and close right on time. I would recommend David and his first rate service. Thank you David. Juan Walker2023-10-14Trustindex verifies that the original source of the review is Google. We came to DAK Mortgage with a time sensitive deal in the commercial space. We needed to refinance a building that prior owner's were trying to steal from us by defaulting a 2nd and buying a 1st from our prior lender and defaulting it as well with no prior delinquency. Facing foreclosure, the next 45 days I tried finding a refinancing partner to get this deal done, but we kept running into resistance from the lending market. Basically we were told no over and over again, or yes we can do it but then no results would follow. That all changed when we had a conversation with David & Karen. Within 2 hours of our initial discussion, they were able to secure us a 1st mortgage LOI that met almost all of our requirements. They also helped us close the deal within 3 weeks while providing excellent customer service and we were able to retain ownership in our building. Fast forward a month later, and we are now under contract to sell that same property! Thank you so much David & Karen, you have no idea how much we appreciate your help and assistance. We highly recommend working with DAK Mortgage! Marcus C2023-04-13Trustindex verifies that the original source of the review is Google. Hands down the best lender I’ve ever used. You’d be hard-pressed to find anyone more professional, knowledgeable, and effective for your mortgage. David and Karen were detail oriented throughout the whole process and ALWAYS answered the phone when I had a question. The best part is that David and his team were able to secure a loan for us on a condo with a high percentage of commercial units, when all other traditional residential lenders wouldn’t touch it. I can’t recommend them enough. Will certainly be using them again. Thank you!! Jerry Beck2023-04-13Trustindex verifies that the original source of the review is Google. As a foreign national, it's not easy to get a mortgage in America. David was easy and efficient to work with and quickly found a lender. Happy to recommend. Davis Nguyen2023-04-04Trustindex verifies that the original source of the review is Google. David Krebs is outstanding in every way. He was the ultimate professional and was effective from beginning to end in helping me and my wife obtain a high end residential home loan. David exhibits confidence that is backed up with knowledgeable and consistent follow through. In addition, David is a true gentleman, which was a bonus during the entirely smooth process. I give David Krebs the highest level of recommendation. Vanja S2022-09-19Trustindex verifies that the original source of the review is Google. Karen and David at DAK Mortgage helped me secure the mortgage for my first ever home. Not only did they do it in record time with a great rate in this currently tough market, but they also helped me navigate many other complexities. I am eternally grateful and would highly recommend them to anyone looking to ease their home buying process. Thank you both!