The files that take more thought than a standard approval.

Dave White is a Mortgage Planner with Peak Capital Mortgage, serving homebuyers and homeowners throughout Colorado.

He works on home purchases and refinancing across Conventional, Jumbo, FHA, VA, USDA, and Reverse Mortgage programs, along with debt consolidation and niche loan programs for borrowers whose situation falls outside standard agency guidelines. Whether the goal is a first home, a move up, pulling equity out for a specific purpose, or adding to a rental portfolio, the opening question is the same. Which of the available programs actually fits.

Most of Dave's work sits with the scenarios that need a closer look. Self-employed borrowers whose tax returns understate what the business really earns. Real estate investors weighing cash flow against portfolio limits. Homeowners whose income arrives from several directions at once, or whose property does not look like the one in the underwriting manual. On files like these, a decline often comes down to documentation and program fit rather than whether the borrower can afford the loan.

His process is deliberately front-loaded. He starts by understanding the goal, the income structure, the plans for the property, and the specific details that make one scenario unlike the last. Then he compares options across Peak Capital's panel of more than 18 wholesale lenders, flags the obstacles while there is still time to solve them, and builds a path from application through closing. A problem found in week one is an adjustment. The same problem found in week four is a delay.

That tends to be the part borrowers remember. Knowing where the transaction stood at every point, and hearing about a complication from their loan officer before hearing about it from anyone else.

Dave White | Mortgage Planner | NMLS #380200 | Licensed in Colorado 100011020