I found David via Yelp because I was looking to refinance. Thanks to David, I was able to reduce my monthly payment by 25%. Closing costs were reasonable; my break-even point is in less than a year! I didn't even have to spend any money; I got a check instead :) David responded to all my questions in detail, directly from the Yelp inquiry. I appreciate that, as most business reply to Yelp inquiries with "call us"; if I wanted to talk on the phone, I wouldn't be contacting you via Yelp! Once we gave David the go-ahead, we had a quick conversation, and then I sent him some documentation. In about a week, I had a few docs to sign online. A few days later, a notary showed up at my house to sign the last few papers. Super painless. Thank you! read more

As a first-time homebuyer, I had a lot of questions about the lending process and David was incredibly helpful, provided me with a lot of information and he was so very nice, I couldn't wait to work with him. I decided, in the end, to purchase a home out of state and was so sad to learn David was not licensed to do loans there but he was still available to answer any questions I had and did not hesitate to continue to help provide any information I needed despite this. I could not be more impressed and hope that I get an opportunity to work with David sometime in the future. read more

David was so helpful and kind, giving me all of the information I needed and then some! I'm so grateful for his help and expertise.

I worked with 3 lenders prior to Dave, and Dave is by far the best I've ever worked with. I will be recommending him only to all of my friends and family read more

Great job doing my refinance for my condo. Very efficient and easy to access, worked hard to make sure I got the best deal.

I had the pleasure of speaking to David about my loan needs for my investment property, and personal property. From the get go I knew he was very knowledgeable about his products and services. He spent time explaining everything, and I felt like , he genuinely cared about his clients. He is an honest person, with great integrity. Would recommend him for sure! read more

I had the pleasure to work with David on 3 projects this year and he delivered what he promised on time and on budget. He's always available and very caring. He explained all the details of the process and made sure all was coordinate perfectly between the escrow company and the broker. Highly recommended him! read more

I have done three re-finances with David and each one is smoother and easier than the last. He is fantastic. He is always ready to respond to any questions that I have had, regardless of the time of day and date of the week. The first re-finance was tricky but we got it done and I gained confidence in his ability. When I ran into some problem getting financed for a home renovation project, he searched for help and arranged for me to get adequate financing for the project until we could do a proper re-finance. All of that work was done even though he got no financial benefit out of it. Additionally, once the re-finance work was done, he did not put me in the dust bin. Instead, he would keep me abreast of changes in rates so that I could take advantage of the lower rates when they became available. He is first-rate and I highly recommend him for your home re-finance needs. I have never written a Yelp review but his work on our behalf deserves my time to speak up on his behalf. read more

I had a great conversation with David. He provided more info than my bank did. He answered all my questions and gave me great advise. I should have talk to him first! Filled out my info on the website and got a call within few hours. read more

Demonstrating professionalism and honesty rarely seen today, David recommended I use another lender because they could give me a better rate on my loan. I don't write many reviews, but I wanted to let everyone know how wonderful David is to work with. My wife and I began looking to buy a home and I asked around to see if anyone I knew had any suggestions for a loan broker. David Kutner was immediately recommended by one of my coworkers, who said that he and his mother-in-law had used him and were exceedingly satisfied with his work. I don't know if you know how profoundly difficult it has been in 2021 to buy a home, but David was very encouraging and accommodating throughout the process. He wrote proof of funds letters for us when we put offers in on houses. When we finally got an offer accepted, David started the necessary paperwork. My wife and I shopped around to see what rate we could get and found a lender that appeared to offer a better rate than what David could get us. I contacted David and asked him if it was at all possible that he could match the rate. David instructed me to send him the paperwork so he could look over the other lender's paperwork to determine if everything looked legitimate. David promptly called me back and informed me that he thought we should go with the other lender as he was unable to match the other lender's rate. If you want a diligent, helpful, honest, and friendly mortgage broker, you should call David Kutner. I will definitely be calling him for my future loan needs. Thank you, David! read more

David handled our mortgage for our first-time homebuying experience in 2016 and his service more than lived up to his brand name. He explained concepts to us, gave us rates and options, and that was before we'd even committed to doing business with him. Fast forward to 2019 and the recent drops in mortgage rates meant it was time to consider our first refinance. David explained the process to us again and gave us some quick views on rates. In the end we decided to hold off. Then came this new crazy normal, and just as the market was crashing and everything was smashing to a halt, David managed to once again answer our questions (and it was a lot, as the situation kept changing), and got us an unbelievable deal on a refinance that saved us money on our monthly payment AND over the life of the loan, without extending the total length of the loan. (Also many thanks to his associate Sue Rabin for handling much of our case as the work piled up) All these years David always checks up on his clients, and is always the Friendly Lender. Not that we need reminding, he'll always be the first person we'd call if we need mortgage services again! read more

David and Sue are such a great team! They work 24/7 to help you in any and every way they can to close your loan. I am now saving a great deal of cash every month after my refi! Super people - I can't thank them enough for their hard work. read more

My friend referred me to David and I'm so glad she did. He helped me get the loan on my first home! I wasn't even sure I was going to qualify but he helped me every step of the way and I am now writing this review from my new living room :') thank you so much David!!! read more

So my husband and I had a very unique situation, we had our mortgage transferred to a different company and we were wondering if we should refinance to avoid this company completely, due to their reviews. We also wanted to refinance our current home and build another. When I spoke to David, he was patient, kind, concerned, and extremely knowledgeable with his answers. He set is up with a program to follow in order to reach our goals.After I got off the phone with him, I understood exactly what my husband and I should do moving forward. The most amazing part of all this, was that he took so much time with me and I am not even his client yet. But, I hope after we are finished with the program he recommended, We will be! Thank you! read more

I could not recommend David more emphatically! He was highly recommended to me by a colleague and for good reason. I had reached out to him when I was curious about purchasing a house. I had no idea if I was even in the ballpark of where I needed to be. He assessed my assets and recommended a course of action. Life took over before I could fully commit. He would check in with me every few months to see where I was at, but never pressured me. When I was finally ready to take the plunge, he literally took the reigns and told me exactly what information he needed from me. I truly did not believe I'd be able to purchase a house in LA, but within 4 months I had the keys to my own place! There is no doubt in my mind that I would not be in my own house if it weren't for him. Big thanks to him and his awesome team! read more

As first time homeowners David was so great with helping us find the best rate for our home loan and was patient and walked us through every step. We plan to refinance through him when we can. Thank you David. read more

I recently used David's services on a recent refinance of my home. David came highly recommended by two friends. After my first phone call, we hit it off immediately and I knew he was the right loan originator for me. David provided me numerous options to help maximize my savings. We were in constant communications and he kept me informed throughout the entire refinance process. If I email him with questions in the evening, he would respond that same night. Now that's service. At the end, we completed the refinance according to his estimations and he saved me a ton of money. As usual, your mileage may vary, but give David a try and you will not be disappointed. If there was such a thing as a pleasant home financing experience, David will make it happen. read more

This was my second time working with David. He's great. We refinanced my mortgage after 7 years and I got a loan for repairs. I emailed him to inquire about refinance on September 25th and my check was in my account on October 19th. Fast, helpful and easy to work with. What more can you ask for? Thanks for the friendly service David! read more

David is the best!! He helped my best friend, her boyfriend and myself buy our first home, a duplex, in one of the most competitive markets in Los Angeles. He was funny, so easy to work with and made the entire experience as pleasant as possible. People say buying a house is one of the most stressful times in life (this is true!) but I couldn't imagine the process with anyone more friendly - David truly lives up to his name. We're already talking about future plans and won't be using anyone other than David! read more

I highly recommend David! We met him through some associates of ours and decided to hire him to refinance our home. It ended up being the best mortgage experience we have ever had. He was so on top of everything, got us a big drop in our interest rate, and got everything done so fast! He kept us updated every step of the way and even came to sit in on the document signing to make sure we understood everything. He went over and beyond. If you need a loan or a refi, I definitely suggest calling David! read more

David has been our go-to guy for everything mortgage-related. He helped us purchased our home, refinance later when rates were lower, and again this year for a cash out refi to help cover our home room addition project. There's a reason we keep coming back, and it's because he really does live up to the name "The Friendly Lender." David is always in constant communication with you during the entire process, and quick to respond to any questions you might have. He really does make the process so easy. Even if you aren't sure about what to do, you should reach out to David because he's great about offering advice and providing different options. If you're buying a home or wondering about refinancing, you should reach out to David. You won't be disappointed. read more

I am so happy with the super low interest rate that David got me on my refinance. David goes over everything thoroughly and makes the process really easy from start to finish. I recommend him to anyone looking for a mortgage. read more

Had a great conversation with David. He gave me a lot of information even though I wasn't ready to buy at this time. Very helpful and was willing to do all the calculations necessary to see what I am looking at as far as finances and everything else in between that is required for the home-buying process. Definitely give him a call! read more

Dave is great. He has helped us twice with actual loans and countless times through the years with hypothetical loans as we have navigated the real estate market in Los Angeles. He goes far above and beyond with quick replies, making sure we understand everything, and following up when there is a time-sensitive step that we haven't completed. He is a kind steady presence in what would normally be a stressful complicated process. read more

David came highly recommended to us by our agent and was amazing to work with! He is extremely friendly, knowledgeable, and genuinely cares for his clients. He worked tirelessly to get us the best rate and guided us through the entire process with ease, making sure nothing was overlooked on our end. He was highly responsive via text, calls, and email messages when we had questions and always happy to help. We'll definitely be reaching out to him again for any buying/refinancing needs. read more

David helped my husband and I tremendously with understanding and explaining the different options with obtaining a mortgage in CA. House hunting and purchasing process is a very daunting task and David really helped us feel comfortable with the process. Not only he was always prompt with our questions and calls on weekends and nights, he even went above and beyond to help us with offer strategies and helped us revising our "seller love letter". David's customer service, professionalism, and knowledge is top notch and we highly recommend! read more

If you're looking for a well informed, savvy mortgage broker who will walk you through the entire process, David is your man. I'd give him 6 stars if I could. read more

Without going into too much detail, let me tell you this: I've had the worst experiences with mortgage brokers. One pre-approved me for a loan and then decided that she'd made a mistake after I started looking for homes. Oops, thanks for wasting my time. Another talked a big game and wanted to know all about my work (I'm a filmmaker), stressing the fact that he works with creative professionals all of the time. He asked for three years of bank statements and tax returns but NEVER followed up or returned calls. I deal with enough Hollywood egos to seek a little more humility in my mortgage broker. Still another pre-approved me for a loan so small that I would be been better off buying a late-model Hyundai with the money. I have assets, I have zero debt and I have above excellent (800+) credit. What's the problem? I'm self-employed. And the present way in which loans are written does not like self-employed people. Enter David Kutner. I was referred to David by Ken Shapiro of Echo Park based Silverwood Properties and from our first email, correspondence with David has been immediate and clear, and his follow-through is so timely I can set my watch by it. David has spent easily three hours on the phone with me so far, taking the time to explain my options in language that I can understand. He is TRULY the friendly lender and the way he patiently engages my ideas and situation is TRULY making all of the difference in the world...because I am finding options where I was previously led to believe that there were none. He is helping me to find a clear path in the complex and convoluted world of home loans. You may be startled to know that I haven't bought a house yet...but the process is underway, and I will be happy to have had the patient, attentive conscientious service of David Kutner in my corner when I am a happy homeowner. If you are looking for help with home purchase, refinancing, or buying an investment property, give him a call. You won't be disappointed. read more

My wife and I just closed on a home as first time home buyers and David made the entire process completely painless. Communication was excellent and he was extremely responsive via email or phone at nearly all times of the day. He told us what we needed to urgently take care of and what we could expect to happen in the coming days/weeks to help us understand the entire process. He definitely lived up to his name and we never felt like we were working with a sales person but rather someone who cared about taking care of us from start to finish. He always had a friendly and positive attitude in any of our interactions and the process was not stressful at all. He is on top of our list for any of our friends and family who are looking to get a mortgage or refinance. read more

Thank you David! After not being able to obtain the loan amount we needed by a leading online mortgage company, my significant other and I turned to the always pleasant, David Kutner. After reviewing Mr. Kutner's fantastic reviews on Yelp, we took a leap of faith and gave him a call. Now after having closed on our house, I reflect back on the reviews written on Yelp up to this point, and it comes to no surprise that the experience we had hope to have with David Kutner, was indeed what was delivered by this true professional. As you may know, obtaining a mortgage and actually getting into your home is a multi-step process and at any point any there could be a problem. It is how these bumps in the road are handled that will determine if you will be getting the home of your dreams or not. I can attest that Mr. Kutner battled all possible threats, had foresight, and always was ready with a back-up plan to ensure that our final goal, home ownership, was realized. Timeliness is another important trait you want in your mortgage broker/lender. Whenever there was a question, Mr. Kutner was always available even into the evening and weekend hours. Whenever certain documents were required, Mr. Kutner was always responsive. In fact, we closed on our house 1 week SOONER than our expected closing date. That's the kind of responsiveness you will get with David Kutner. The "Friendly Lender" isn't just an empty moniker. Mr. Kutner was always a pleasure to work with over the phone. After working exclusively with him over the phone and email, we finally had the opportunity to meet a key player responsible for moving us into our dream home on closing day. Just as gracious over the phone, the man in person didn't disappoint and was even so kind to bring us a congratulatory basket of wine. Would I choose to use David Kutner's services again? ABSOLUTELY. As we enjoy our beautiful new home, we reflect frequently on our house buying process and Mr. Kutner's role in making our dreams reality. Beyond business, we are personally thankful for all the work Mr. Kutner did for us and we would highly recommend this skilled professional for your next mortgage. read more

Can not recommend David enough! He gave me at least an hour consultation by phone for free-- months and months before we were actually ready to buy a house. He helped steer us in the right direction as far as what we could afford and what we were looking for. We got pre-approved for a loan at our credit union and when we called David for a second opinion he found us a way better rate! He also helped us figure out how to build our closing costs into the loan so we could have money leftover for renovations. He met us in the evening at our home whenever he needed us to sign things so we never had to interrupt our work schedule. He saved us money and he looked out for our interests every step along the way, which was particularly important because we were buying directly through the seller's agent. read more

David was a true professional-- Kind, honest, and extremely easy to work with. I felt like I was working with a close family friend! When first contacting him, he was straight and to the point. He gave us the baseline numbers (APR, loan amount, # of days to fund...) and gave us the freedom and flexibility to shop around to see if we could find a better rate. We did just that, and after speaking to 10+ other loan agents, we returned to David because he gave us several options that would work for our refinance. He was never once pushy or aggressive. Following more research, decided to go with David. David helped us through the entire process, explaining every little tidbit that we had questions on (a cash out refinance can sometime be a long and tedious process, and we had several questions), promptly answering our calls and texts at all hours, appropriately advising us on how we should proceed, and doing everything within his power to help us close the loan quickly. David was patient and got us through each step of the process one-by-one, understanding what we needed and keeping the end goal in mind. He made this happen when other lenders couldn't! David never sounded like a sales person. He was a loan agent who cared about our file. We never felt like numbers, we were people. It felt like asking a family member for assistance, and he delivered on everything we asked of him. It is rare that I write reviews, but my experience with David was truly phenomenal. We appreciate all that David did to help us in this process and HIGHLY RECOMMEND him for your lending or refinancing needs. Thank you for being so great to work with! read more

David is by far and away the most knowledgeable and professional Real Estate professional I have ever worked with. He delivers on his promise of great service and looks out for the client first. Really...he does. The best part is he doesn't charge ridiculous fees like the other companies out there looking to gain from peoples lack of knowledge of the industry. You can't go wrong with David Kutner. read more

I had a friend recommend David, after I told him that Wells Fargo had given us a less than stellar quote on a refi. David came in a full point under Wells. My business partner and I are both freelancers working in the entertainment industry. David understood how to work with our having multiple employers, and all the issues that go along with that. The friendly lender is a very accurate description. I recommend David highly. read more

I cannot say enough in this review that even comes close to the appreciation my husband and I have for David and his guidance during our recent refinance, but I'll try! Let me begin by explaining that, prior to contacting David, multiple people refused to take on our refi because we had a complex loan situation. David immediately told me he could help! He walked us through each step of the process and patiently answered every question I had. He reviewed every option and explained differences in loans in a way that made sense (finance is not my area of strength). His response time was lightening fast; every time I emailed or left a voicemail, he responded within minutes, whether it be morning, night, or weekends. I always felt David had our best interest at heart and at the end of the process, he ended up getting us out of our prior loan mess and into a loan which is saving us hundreds monthly. Thank you so much David. We appreciate your hard work more than words can say! read more

David was very knowledgeable and informative, and he followed up with me at numerous junctures to make sure I was being taken care of!

David Kutner did a great job! We were referred to him after our original mortgage broker dropped the ball at the last minute - David made it happen! Aside from being one of the nicest guys you'll meet, he was very clear and concise in his emails and phone calls. He made a very confusing process understandable and does his job well (David pays attention to detail unlike so many so-called 'professionals') I would recommend David Kutner to anyone who wants to make the stressful home-buying process much easier. David Kutner and his people are "on top of it." read more

I had the best experience working with David as the lender for our home purchase. He is very service oriented and professional, yet friendly in his dealings. He worked with speed and was very helpful. He worked very diligently to make our home purchase a reality in a rapid time frame. I would recommend him to all my friends and family. read more

I visited a home, and wanted to put an offer immediately, and called David to get current mortgage rates. David was able to immediately provide very competitive rates, and provided valuable insight on the current loan and housing market. I called David a second time to start the pre-approval process, and he was ready to provide one the same day I called him (after giving him the necessary docs) = now that is amazing service!! Unfortunately, I found out that the desired home just opened escrow so I did not need a pre-approval any longer, but David is amazing in his knowledge, competitive rates, and speed of service, and would highly recommend him. read more

After much research on my own, I decided to reach out to the The Friendly Lender, David Kutner. Based on my own knowledge of FHA requirement qualifications, David was able to provide me with much for insight as a long tenured Mortgage Broker as well as give confirmation to the information I was uncertain about. An extremely insightful, informative, and amiable conversation that lasted almost 45 minutes was the outcome. If I ever have inquiries on the various mortgages available to consumers-- I'd be sure to reach out to The Friendly Lender! Thanks a lot David! read more