About David Mumbauer
Originating Branch Manager
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That’s why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the best loan for them.
501 Centre Street, Fernandina Beach, FL 32034
Timing Is Everything
We’ve streamlined the process to make for an easy, stress-free and quick experience.
Speak with a
We know how important it is to speak with someone about your concerns. Someone who will be able to answer all of your questions. That's why most of our loan officers are experienced and will guide you through the process.
The Homecomings "Go Fund" app lets homebuyers apply from anywhere and anytime! The best part is, your loan officer is immediately notified that your application is ready to go!
Your loan officer will do an initial review to make sure your application is 100% complete. Then let the process begin!
Loan Approved and
Ready to Close
In most cases, Homecomings will close your loan in 22 days or less. And you are now ready to "Come Home!"
Get To Work
The loan processor will review the file. Then coordinate with you to satisfy, if any, outstanding conditions requested by the underwriter.
All Loans Get
Every loan we receive goes immediately to underwriting. So you can have a "TRUE" loan approval in less than 48 hours from submitting your online application.
Purchase or Refinance Your Home, Right From Your Phone!
We’ve made financing your home so easy that it can all be done on your smart phone!
- Apply for your mortgage
- Upload your documents
- Get your pre-approval-letter
Everyone Deserves to Come Home
Whitney Hall was our loan officer. We lived in Michigan and moved to Florida. He did an awesome job getting all the paperwork ready for us long distance. He definitely goes the extra mile. I would definitely recommend him !
Whitney and his team were amazing and professional. Another lender was giving us the run-around and he took over. Within a month, we were in our beautiful new home. I would recommend him and his team to everyone! They will make it happen.
Joe is always available everytime I need some advice and explanation. Very easy to approach and patient on every step of the way.