About David Kontsevenko
As an immigrant from Belarus, I know firsthand what it means to work hard, overcome obstacles, and pursue the dream of building a life in the U.S. That journey shaped my passion for helping others achieve their own American Dream through homeownership. With more than half a decade of mortgage lending experience, I've guided clients from many walks of life. My approach is founded on education and empowerment, ensuring every client understands their options clearly and feels confident in their financial decisions. I work to transform the complex, often intimidating, lending process into a clear, manageable path forward. I provide specialized expertise tailored to your unique goals: * **For Our Nation's Heroes,** I am honored to assist veterans and active-duty military members. As a specialist in VA loans, I navigate the specific requirements with the precision and dedication that our military families deserve. * **For First-Time Homebuyers and Young Families,** I serve as a patient and thorough guide, demystifying each step from pre-approval to closing day. My goal is to replace anxiety with excitement, ensuring your first major investment is a seamless and positive experience. * **For High-Net-Worth Clients and Investors,** I provide sophisticated financial counsel on jumbo mortgages and investment property financing, helping structure loans that align with your broader wealth management and portfolio growth strategies. Choosing a loan officer means choosing a partner for one of the most significant financial decisions of your life. My blend of professional expertise, personal empathy, and relentless dedication ensures you have a true advocate in your corner. **Ready to start your journey? Contact me today for a personalized consultation and experience the difference a committed partner can make.**
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 10320 Little Patuxent Pkwy, Suite 1140 Columbia MD, 21044
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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