Davis M Financial

Cherie and Matthew Carey have the family owned business M. David Financial located in Rancho Bernardo. I have worked with them on all the transactions for my house. The truth in lending they gave me has always been spot on. They know their stuff. With my first loan it was difficult because I had very little credit history. They worked with the lender in creative ways to get my loan approved on a house I have been enjoying for over five years. They also helped me a few years later to re-​finance the loan. They are continually detail oriented and they contacted me letting me know that rates had significantly dropped, if I was interested. I was able to get a loan almost two percentage points lower than the previous one, saving me hundreds of dollars a month. They are honest and have a vast knowledge of the industry. The lender they predominantly work with does require all paperwork to be in line and takes a few weeks to process everything, but Matt and Cherie will help you every step in this process. The lender they work with has very competitive rates. For example they are usually pretty close to those advertised by USAA.
During the loan process ask to have the documents Notarized at M. David Financial. It is much quicker, with more flexible times and usually will cost less money.

My husband and I had the pleasure of working w/​Matt & Cherie Carey last August while purchasing our first home in Oceanside CA. From the beginning to end of the transaction, they were extremely patient, helpful and professional in helping us get a mortgage. What I appreciated most from them was their honesty and how much we learned from them in the process. Their ability to solve a small issue that came up during the end of our escrow was also such a relief as it took extra effort to get the deal closed. Cherie even talked to us late at night @ home several times in order to work with our crazy work hours to get the job done. We have since recommended them to several friends and will continue to use them in the years to come. Thank you Davis M Financial for helping our DREAM HOME come true!!!

Worse experience ever with this company. The buyers were approved and i was assured everything is good to go. Escrow is suppose to close on or before 9÷27÷13. Loan Docs were suppose to been ordered last Friday. Guess what !!
No loan docs !
The lender is still working on buyers condition prior to loan docs. No urgency
Oh BTW !!
This is a short sale and now I have to ask for extension.
No referral from this agent