David Hail

NMLS#213066 - Branch Manager Open Mortgage #2975 | 9320 Crockett Dr, Rowlett, TX 75089
I’ve been in the Mortgage/Real Estate industry for over 41 years. As a former underwriter I can offer expertise not typically found in most loan officers. I am a recognized expert, author, and trainer on the FHA, VA, and USDA Rural Housing loan programs.

I am a Professional Mortgage Banker that provides outstanding customer service. I am skilled in counseling borrowers in resolving credit issues and developing action plans for borrowers that currently do not qualify for a mortgage loan. I can easily identify problematic issues and find solutions that will allow a borrower to obtain home ownership.

Most importantly, I’m fortunate to be a part of a great team of professionals at Open Mortgage. Some of the best I’ve ever seen. Together we want your pursuit of home ownership to be successful.

At Open Mortgage we can do conventional loans including Jumbo products and we are experts in government loan programs… FHA, USDA Rural Development 100% loan program, and VA.

We also provide expertise in the following:

• FHA Good Neighbor Next Door (GNND) half priced home loan program for Law Enforcement Officers, Teachers, Firefighters and Emergency Medical Technicians (EMT).

• FHA 203K “Full” and “Limited” rehabilitation loan programs

• FHA/HUD REO Home loans including $100 down incentive program and REO’s with repair escrows

• Mortgage Credit Certificates (MCC) for up to $2000 per year tax credit and enhanced qualifying for 1st time home buyers.

• Down Payment Assistance (DPA) Grant programs including TSAHC, SETH, and TDHCA

• Manufactured Home Loans – FHA , VA Zero Down, USDA Zero Down, and Conventional
Jun 20, 2022
Materials Manager
★ ★ ★ ★ ★
David Hail is one of the most knowledgeable and professional loan officers out there. He and his team walked us through the pre-qualifying and buying process explaining every bit of the process and making sure that all the i's were dotted every t was crossed.

I can't say enough good things about David and his team and would highly recommend Open Mortgage to anyone wanting to purchase a home.

Thank you David!
Jun 16, 2022
Borrower
★ ★ ★ ★ ★
David Hail is one of a kind I was almost ready to give up on my dream of being a homeowner after working with several lenders who were either predatory or just couldn't get it done Mr Hail jumped on my case load and pulled off what I call miracle. He dug extensively into my loan to give me tax brake and lowered my cash to close to almost nothing.I highly recommend him to anyone especially veterans who are using a VA loan. David Hail will get it done when others won't or can't!
May 19, 2022
Customer
★ ★ ★ ★ ★
David hail was amazing!! He took the time to work with me and my husband ..the whole team at open mortgage is GREAT ..I would use them again for sure !!! If you need to buy a house call them for sure
May 19, 2022
Operations COORDINATOR for Klxenergy
★ ★ ★ ★ ★
David Hail was extremely helpful throughout the whole process I cant thank him enough for making my wife's and my dream come true on this purchase very kind and patient with the process I would definitely recommend him and his team to everyone thanks again David for helping me and the family out.
May 19, 2022
Operations COORDINATOR for Klxenergy
★ ★ ★ ★ ★
David Hail was extremely helpful throughout the whole process I cant thank him enough for making my wife's and my dream come true on this purchase very kind and patient with the process I would definitely recommend him and his team to everyone thanks again David for helping me and the family out.
May 19, 2022
★ ★ ★ ★ ★
Could not have found anyone better for my first home purchase. David and his team answered every one of my questions day or night and always kept me in the loop. I would recommend them to anyone that is in need of a lender.
May 19, 2022
★ ★ ★ ★ ★
Could not have found anyone better for my first home purchase. David and his team answered every one of my questions day or night and always kept me in the loop. I would recommend them to anyone that is in need of a lender.
May 19, 2022
HOME BUYER
★ ★ ★ ★ ★
David Knows his job! I’m so happy that my real estate agent referred me to him. It was because of his relentless effort that we were able to get approved for our loan.
Mar 24, 2022
Professional Driver
★ ★ ★ ★ ★
Mr. Hail and his team, made the whole process a lot less painful. He was very helpful in letting us know what to expect and what documents we had to get together. His knowledge made the process faster and smoother. He also gave us options that we would have otherwise not known about. We highly recommend him to any future clients. Thank you!
Dec 24, 2021
★ ★ ★ ★ ★
David was excellent. He kept track of what was needed and the date it was needed. He answered all our questions, returned our calls promptly, and was both nice and professional.

David was a joy to work with.
Dec 8, 2021
★ ★ ★ ★ ★
WOW! David was the BEST, more than we could have hoped for! Starting from our first contact, there was never any question that we had THE BEST man for the job. Day, night, weekends, whenever we had questions or concerns he was always right there to help guide. He was always professional yet personable, and always made feel cared about. We are so happy David was on our side, to make this process as easy as possible.
Nov 17, 2021
★ ★ ★ ★ ★
David was awesome he worked real hard and was very quick to get us into the house we wanted. Always in contact and a pleasure to work with.
Oct 5, 2021
★ ★ ★ ★ ★
I recommend David for any type of loan assistance especially mortgage loans because he was very open minded, patient and great customer service
Sep 29, 2021
Marketing Specialist
★ ★ ★ ★ ★
I highly recommend David Hail as your loan officer if you are ready to make your dreams of homeownership come true!

David, along with Lauren Huggler, provided expert advice and answered all of my questions with patience, and genuine kindness. I started working with David in May of 2021, and being a first-time homebuyer brought along a lot of unknown and intimidating territories for me. However, I had nothing but confidence with David and Lauren helping me along the way. If I had a question, I always received personable attention, and a quick response.

Most importantly, David helped me get approved for a low-interest rate home loan and grant! He made sure all the particulars were correct down to the day of my closing. If I had any questions David made sure to jump on call and patiently walk me through the process. So, not only did I gain my dream home, I gained a lot of knowledge about the home buying process.

I never thought the day would come when I would be able to proudly say, "I bought this house!"

Thank you David- I will definitely include you when I count my blessings~
Sep 24, 2021
★ ★ ★ ★ ★
We spoke to Mr David once and knew right away that this is who we want to be our lender. He is very patient with us, answers all our questions. He never for one day made us regret our decision to use his company. All the process was done smoothly on the phone and through email. I will definitely recommend him if you want a smooth buying process of your home.
Sep 17, 2021
★ ★ ★ ★ ★
I have purchased & refinanced several homes & never had the great service that I received from David.
From my first phone call to my last he was kind, responsive, informative, & as I said to him “It was painless”.
I have recommended his services to friends & will continue to.
Thank you for having these kind of folks on your staff!
Sep 10, 2021
Quality assurance
★ ★ ★ ★ ★
David hail was wonderful and was always available to answer any questions that me or my husband had. He is very thorough and a diligent worker! Very happy with David, will recommend him to anyone!
Aug 23, 2021
★ ★ ★ ★ ★
David is very quick, responsive, and thorough. He told me about all the options and the pros and cons of each.
Aug 11, 2021
Superintendent
★ ★ ★ ★ ★
Consummate professional!
Aug 10, 2021
★ ★ ★ ★ ★
David was excellent!!!
Jul 14, 2021
★ ★ ★ ★ ★
David did an excellent job. I would definitely recommend him. He helped us out so much! David does a great job explaining what the steps are and what they are for.
Jun 28, 2021
★ ★ ★ ★ ★
David was available to answer any and all questions, and was an integral part of purchasing our first home.

From his working with us to get the best percentage rates, to recommending an amazing Realtor specializing in first time home buyers, David was hands down the best help we could have asked for.
Jun 14, 2021
Deputy Clerk
★ ★ ★ ★ ★
David Hail helped me every step of the way to get my house. He was always available, he answered every phone call/text immediately. He was always there to answer any questions or concerns. He made this process so easy. Throughout the whole process he made me feel like he knew me all my life and worked so hard by my side to get everything in order to be able to get our home. David was excellent and supportive, I 100% would work with him again without a doubt.
Jun 1, 2021
★ ★ ★ ★ ★
If you are looking for a lender, do yourself a favor and contact David! I highly recommend him! He was always available to answer my questions. He answered his phone greeting me by name. He recommended programs and solutions that met our needs. Talking to him was like talking to an old friend. His knowledge can’t be beat!
Jun 1, 2021
Office Manager
★ ★ ★ ★ ★
Smartest guy I’ve met. Ever! And he actually takes your phone calls!!
He took our financing needs as his top priority and when all was said and done, got our monthly payment below what I wanted!!
He told us what price range we should shop in. He told us what to do and when to do it. He showed us how to lower our debt to income ratio QUICK. He advised numerous things throughout the process that made it all come together.
At closing, the title company was impressed by how small/thin and easily read our closing docs were. All thanks to THIS GUY!!
Thank you David Hail for all you did for our family.
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