About David
David is a native of the Washington, DC metropolitan area. After a short career as a professional musician, he decided to enter the real estate industry, where both of his parents have held successful careers.
David has been helping clients for nearly 20 years. In 2016, he earned the Certified Mortgage Banker (CMB) designation, the highest designation in the mortgage banking industry. In 2011, he received the prestigious Certified FICO Professional from the Fair Isaac Company acknowledging his expertise with credit reporting and scoring models and an ability to educate his clients on credit score maximization. He is a graduate of the Mortgage Bankers Association’s School of Mortgage Banking earning the Accredited Mortgage Professional (AMP) designation.
He studied Tuba Performance at the University of Cincinnati College-Conservatory of Music, performed with the National Symphony and Cincinnati Symphony Orchestras, and has performed throughout Europe. David received degrees in Mathematics and Economics from George Mason University. His life goal is to share the love of Jesus Christ with his clients and their friends and family by providing wise financial advice on the largest investment in most families’ portfolios – their home.
In David’s free time, he enjoys reading, dining out, travel, yard work, church activities, and Bible study. He is an Eagle Scout and supporter of the Boy Scouts of America. David splits his time between Naples, FL and Clifton, VA with his wife, Laura, their four children, their 2 English Bulldogs, and their Maine Coon Cat.
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Sunrise Economix
Fear and Inflation Concerns Pushing Rates Higher
As we discussed last week, the Iran conflict is causing interest rate and bond markets to ignore most of the economic reporting. Rates have jumped up to...
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Rates Ignore Data…It’s All About Oil
Middle East Conflict Jolts Markets Wow. What a difference a couple days make! On Friday, we were looking at the lowest interest rates since 2022. Over the weekend, the world...
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Rates Hit Fresh Lows
10-Year Treasury Falls Below 4% On Friday, the 10-year US Treasury significantly broke below 4.0% for the first time since October of 2025. At that point, there were only eight business days of a sub-4%...
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At First Heritage Mortgage, we are always here to help with your home financing needs. Complete our short contact form to get in touch with David today. We look forward to hearing from you!
