Dave Byrd – RPM Mortgage

Dave and his team at RPM mortgage were fantastic partners during our year-​long process of searching for a house in the Bay Area. Throughout, he never hesitated to make the time to explain details about the loan funding process, including strategies we could pursue to make our offers stronger. He worked seamlessly with our agent, and, when it came time to make an offer, he’d always get in touch with the sellers to advocate on our behalf. One of the reasons we ultimately got our offer accepted was how quickly we committed to close — and RPM was able to fund the loan and close the deal right on schedule. We’d happily recommend working with Dave for any Bay Area mortgage needs.

Worked with Dave to refinance our home (as well as for the initial purchase a couple years ago). His hallmarks are great communication and setting clear explanations of what to expect with each refinance option. Highly, highly recommended.

Dave is great! As a first time homeowner, this was my first refinance so I was super nervous. Dave explained everything clearly, set my expectations, then exceeded my expectations. I can’t recommend him highly enough!

Dave was just amazing. He clearly communicated the whole way. He knew what he was doing, clearly explained the process, was very accessible (which not all lenders are) and was a great part of the the house buying experience. Dave had the loan, which was bit more complex due the purchase, ready to close within 30 days. I would highly recommend Dave :)

I decided to forgo using one of the «too big to fail» banks and go with a local mortgage broker and I was pleasantly surprised at how smooth and easy the whole mysterious (to me) escrow process went. Many thanks to Dave Byrd and Cyndi Clark for helping me become a homeowner.

Dave has done multiple loans for me. The first was a 20 day close on my first home, it sealed the deal that we could close so fast, it was a conventional loan. Then a refi, a year later for a better rate and then this year a cash out. In every transaction he has been a great communicator, he has an awesome team and — most importantly — they know the Bay Area and know how to get the deal done. He was a referral from a friend and at least 4 families I know have used him and RPM. I can’t highly recommend a mortgage banker more.

This is my 1^st Unilocal review and I am only writing this review to praise all of the incredible work Dave has done. Last year, we bought our 1^st home and never in our wildest dreams did we ever think we would be homeowners. Dave always believed in us and never gave up on us through all the offers that were submitted in the tough housing market. He knew the right time of the market and encouraged us to start looking again after many times being beaten by cash buyers or greater downpayments. Well, the house of my dreams came up and I believe it was due to him that we got the house! He called the seller’s agent and persuaded the agent that our FHA loan was as good as gold and that he could close quicker than the standard! We will be forever grateful to him that two teachers were able to buy their first house!
Now a year later, Dave has helped us with a refinance that successfully went through today – we will be saving about $ 300 a month!
Dave is very personable, hardworking, and efficient. I recommend him with no reservations!

I’ve worked with Dave and his team at RPM Mortgage 2x. Both times have been a smooth process and the final financing was just as good, if not even a little better, than he told me at the forefront. Trustworthy and knowledgeable. Competent.

Dave and team have been amazing to work with. He’s helped us purchase and refinance our home. I can say he’s always been honest, hard working (calls, emails after hours) and is very patient and will walk you thru understanding everything. Very easy to work. I will be recommending him to everyone!

Dave and his crew have helped me finance and refinance my home three times in the past four years. There was a huge difference between the service I received from RPM versus my previous broker. He patiently answered all my questions and got my new loan done efficiently. I have recommended him to friends and will continue to do so.

Excellent service and very thorough work. Dave and his team really took care of me, answered all of the numerous questioned I asked, and made sure the whole process ran quickly and accurately. He gives honest answers and is a gem in his industry. I highly recommend him to any one looking to buy or refinance their real estate.

I had an excellent experience with RMP and Dave Byrd. I always felt like I understood everything that was going on and didn’t feel insecure to ask any questions.

Dave handled the refinance of my property in 2012. Dave has excellent knowledge of his field and a great way with people. He always explains thoroughly what’s going on and why. I felt supported and empowered by Dave through the entire transaction. We actually talked about the refi for over a year, including the worst days of the real estate market, and Dave put enormous effort into updating and informing me over months and months before we could close a deal together. Go with Dave and you will not be sorry.

Dave handled our original loan when we purchased our home and has handled a few re-​finances with us too. His attention to detail and ease of making a daunting task seem simple make the whole process really quite painless. This man has saved us thousands of dollars in the last few years and deserves every star he got on this review, you won’t regret doing business with Dave!

My wife & I recently refinanced our Oakland home with Dave Byrd at RPM Mortgage & had a top notch experience. With all the volatility in the mortgage market we were a bit hesitant to even look into re-​financing. Due to our home being a bit under market value, we were skeptical if we could even Refinance.
We met with Dave and gave him a breakdown of our financial situation & current loan configuration. His knowledge of lending options for our situation was dead on, & He suggested the best course for us to make the Refinance viable.
He made every step of the application process extremely easy and clear. Within a few weeks he secured a new fixed rate far below on what our current loan was.
Even the loan signing process was extremely simple and we completed it in his office with a notary he arranged.
Through merely filling out the application paperwork & a bit of coordination, we literally are saving several hundred dollars a month from Refinancing.
I have subsequently referred 2 other friends to Dave & they have also successfully refinanced their Oakland homes.
I highly suggest contacting Dave Byrd if your interested in reviewing options for a home loan or Refinance.

I spent over two years working with Dave Byrd on my mortgage as I looked for a home to buy. Dave was the best part of the whole process, he gave me sound advice, he explained all the aspects of the loan process to me. Dave patiently answered every panicked question I had and never reacted to my periodic rants from stressful situations. He worked hard to get me the best rates, communicated with my Realtor timely and accurately. Dave made the entire transaction smooth and pain free. I won’t consider working with anyone else for mortgage lending, and I highly recommend him to anyone who needs to finance or re-​fi. Dave is smart, innovative, trustworthy and professional.

Tired of the banking industry B. S? Your troubles are over! RPM, Dave Byrd in particular, will work his rear off to make sure (and practically guarantee) everything will be handled professionally, timely and as easily as the entire process SHOULD be. I don’t have very kind things to say about the banking industry on the whole, but I have only wonderful things to say about my experience at RPM. I would not consider going anywhere else for mortgage lending. If there is money to be saved, Dave will find it. Not only will he save you money, he will take the time to sit down with you one-​on-​one to explain the entire process with you so there are ZERO questions. Who bothers to do that anymore? Right, nobody. Except Dave and his colleagues at RPM.
If you’re in the market to purchase property, do yourself the favor and call Dave.