DBalsz@HouseLoan.com
949-367-0871
David Balsz
Buying a home or exploring a refinance? Connect with David to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About David
David Balsz, Producing Mortgage Branch Manager, has been in the mortgage industry since 1992. Dave became interested in the mortgage profession while he was operating his own general contracting firm and helping families with their remodel needs. Since becoming a loan officer, Dave has consistently been a top producer not only in Southern California, but nationally as well.
Dave has an extensive background helping first-time buyers, move-up buyers, and investors, and he is skilled in international relocations. Dave’s knowledge of FHA, VA, jumbo, and specialty loan programs helps him to provide innovative lending solutions.
Dave’s guidance and experience have helped many families attain their dream of homeownership. You’re not just buying a house – you’re providing a home and creating memories with your family. Dave understands that you work hard for your money, so he and his team of professionals will work hard to secure the best possible financing terms for your needs.
In his free time, Dave enjoys family BBQs and perfecting his golf game!
What clients say about David
Our second house with Dave and he did as usual a great job and was easy to work with.
Very easy and a lot of communication, which was great
David and his team were great! He worked with us to find the best options available to us. Great communication and very knowledgeable.
Simply the best! Easy, personal and professional. No complaints and lots of praise. Thank you!!
Very professional, friendly and accessible. Made the borrowing process a breeze.
A real pro, made it easy
Dave is the best lender that i have ever used. His expertise and customer service are second to none!!!!! I will never use anyone else!!!!
David Balz made the entire mortgage process easy and convenient. His advice and responsiveness was exemplary
Excellent service by Dave and his assistants!
I have used David Balsz and Cornerstone Home Lending for many years now and have always has a wonderful and professional experience with them. I have no qualms in referring them!!
I had a pleasure of working with David, he was very helpful and professional and I thank him for his time and his help trying his best to get everything done on time.
Cornerstone Home Lending is thorough and efficient! Dave Balsz anticipates questions and maintains close contact -- he gets it done!
Let’s connect
Contact David
Share a little about your plans and how to reach you.
Office locations
Suite 300, Office 347
Laguna Niguel, CA 92677
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with David today.
