Dave Stephens shops 100+ wholesale lenders so you don't have to. Whether you're buying your first home, upgrading, or refinancing, you get the best rate available with personal service from a broker who actually picks up the phone.
Call Dave — Free ConsultationPlug in your numbers. Get an estimate instantly.
*Tax & insurance estimates based on 0.9% and 0.4% of home value respectively. Talk to Dave for an exact quote.
Takes 2 minutes. Dave will personally review your details and follow up within 24 hours with options from 100+ wholesale lenders. Rates vary based on creditworthiness and loan terms.
There are hundreds of loan programs out there. Most borrowers don't know what they actually qualify for, or whether the rate they're being offered is any good.
When you go to a bank, they show you their rates. A mortgage broker shops dozens of wholesale lenders to find what's actually best for your situation.
Paperwork, timelines, conditions — most borrowers don't know where their loan stands until it's almost too late. You deserve clear, proactive communication.
A quarter-point difference in rate can add up to tens of thousands over the life of a loan. The stakes are too high to go with the first offer you see.
Dave is connected to over 100 wholesale lenders that don't deal directly with the public. That means you get access to rates and programs most borrowers never even see.
Fill out one form and Dave does the legwork — comparing programs across lenders to find the best fit for your goals, timeline, and budget.
You'll always know where you stand. Dave keeps you updated from application to closing so there are no surprises at the finish line.
4.9 stars across Arizona, Colorado, Texas, and Louisiana. Borrowers keep coming back — and referring their friends — because Dave actually answers when you call.
Stephens Lending works for you, not the bank. Get access to wholesale rates across 100+ lenders, with the personal touch of a licensed broker who answers the phone. Serving homebuyers and homeowners in Arizona, Colorado, Texas, and Louisiana.
"Dave shopped around and saved us over $200 a month compared to what our bank originally quoted. He answered every question patiently and kept us informed every step of the way. I couldn't believe how smooth the whole process was."
"We were relocating across state lines and needed a broker licensed in both Colorado and Louisiana. Dave handled everything seamlessly — one point of contact, zero runaround, closed on time. Will absolutely work with him again."
"As a first-time homebuyer I had a thousand questions. Dave actually picked up the phone every single time. He found us a rate that was a full half-point below what we were expecting — that's real money over 30 years."
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Want a personalized quote? These are estimates — actual rates and payments depend on your credit profile, loan type, and the lenders Dave shops for you.
Fill Out Our Form Above →Estimates are for illustrative purposes only. Actual rates and payments may vary based on creditworthiness, loan type, and market conditions. Property tax estimate assumes 1.2% annual rate; insurance estimate assumes 0.5% annual rate. These figures are approximations only and do not constitute a loan commitment or offer.