I’ve been in the Mortgage/Real Estate industry for over 43 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. Some of the best I’ve ever seen. Together we want your pursuit of home ownership to be successful.
We offer purchase and refinance loans including conventional and jumbo loan products and government loan programs… FHA, USDA Rural Development 100% loan program, and VA.
Our focus:
• Conventional Purchase and Refinance (including cash-out) loans for owner occupants and investors.
• Reverse Mortgage…refinance and purchase. You can even buy a home with a Reverse Mortgage.
• FHA, USDA Rural Development 100% loan program, and VA.
• FHA Good Neighbor Next Door (GNND) half priced home loan program for Law Enforcement Officers, Teachers, Firefighters and Emergency Medical Technicians (EMT).
• FHA/HUD REO Home loans including $100 down incentive program and REO’s with repair escrows.
• Mortgage Credit Certificates (MCC)…a life of loan federal tax credit benefit that enhances qualifying and affordability.
• Down Payment Assistance (DPA) programs including TSAHC, SETH, and TDHCA.
• Manufactured Home Loans (Doublewide and Singlewide) – FHA, VA Zero Down, USDA Zero Down, and Conventional.
About Me
Sr. Loan Officer
Pathway Mortgage Lending
Powered by American Mortgage Bank NMLS 1151140
BM
David is superb. Customer service at its finest, he was very knowledgeable and helpful with all our questions and concerns.
GM
As a first time home buyer, I was so nervous and stressed out at the thought of purchasing a house not having any idea of what all it entails. I cannot express how fortunate I was to meet you and your team. You all helped get me thru this experience. I was able to get the home I have always dreamed of having. Thank you all so much for everything you did for me and my family.
OG
David was a awesome help on getting our loan. He was patient and very informative on all my questions. Always returned my calls and texts very quickly. Polite and very understanding to our situation. Will be saving his information for my daughter's in the near future.
JB
David Hail is extremely professional and does an outstanding job communicating with clients. If you’re looking to buy property David and his team are the ones to call. He always answers and you never get an automated message. They are top notch.
David and his team constantly deliver amazing service. I’ve worked with them for my clients and also my personal home and I wouldn’t recommend anyone over them. They are all incredibly responsive and do whatever it takes to get the job done well. I cannot thank them enough for the job that they do!
GC
David is worth (10) stars not (5). Now some may peak at (5) but not David. He was prompt, concise, and professional with a little humor inserted from time to time which is a must for myself.
We highly recommended David, he’s the best as far as we are concerned
We highly recommended David, he’s the best as far as we are concerned
AF
We love Open Mortgage! David Hail and his team literally saved us right before our loan from a previous predatory lender fell through, and were able to get us into our first house at a much better rate. This team cares so much and make it their purpose to educate and take care of their clients. There are not enough good things that I can say about David, Lauren, and the rest of the team. I recommend them constantly.
JP
David is a solid performer. Ive been through the mortgage application process many times, but never as seamlessly as David made this. The document requests, while typical, were as minimal as possible, and the approval was quite rapid. I would recommend him a hundred times over and will do so.
JC
David and his team were amazing again. I highly recommend them for any type of purchase. They were very knowledgable and responsive to every question we had. They put special effort into tailoring a mortgage that perfectly met our needs by providing great options and took the time to walk us through the pros and cons of each. Thank you again David!
JH
David was a joy to work with. He and his team are knowledgeable and worked to ensure we got the best type of loan for our circumstance. Everyone was extremely helpful and kind. They kept us informed and made sure we understood the numbers and the loan process. We couldn't have asked for a better team to work with!
JB
David Hail and his crew are total ROCK STARS. Very professional, attentive and detail oriented.
RC
Working with David was a really wonderful experience! He made everything so smooth and organized. He is very knowledgeable and helped us understand our options so we could make the best decisions for our family. You can tell he truly cares about his clients and what is best for their situation.
WS
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!
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!
TA
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!
SL
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
JG
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.
JG
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.
EG
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.
EG
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.
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.
AS
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!
GG
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.
David was a joy to work with.
TF
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.
GK
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.
TB
I recommend David for any type of loan assistance especially mortgage loans because he was very open minded, patient and great customer service
