# David De La Torre — Mortgage Broker & Banker

> Senior Lending Specialist based in Irvine, California (NMLS 372541). Operates as Moni Time Inc. DBA David De La Torre Broker. Provides residential, commercial, and specialty mortgage financing nationwide — acting as a mortgage banker when direct funding benefits the borrower and as a nationwide broker when the wholesale market offers better terms.

**Positioning:** "One source. Hundreds of lending solutions. Mortgage banker when it matters. Broker when it benefits you. Financing without limits."

**Serves:** first-time homebuyers, seasoned real estate investors, self-employed borrowers, business owners, and homeowners looking to unlock equity.

**Contact:** Visit https://dloans.com to schedule a call, start a secure application, or request a free home valuation.

## Core Pages
- [Home](https://dloans.com/): Overview of lending philosophy, loan solutions, and how to get started.
- [About David De La Torre](https://dloans.com/about): Background, credentials (NMLS 372541), and lending approach.
- [Contact](https://dloans.com/contact): Contact form, phone, email, and schedule a call.
- [Mortgage Calculator](https://dloans.com/mortgage-calculator): Estimate monthly payments and affordability.
- [All Loan Programs](https://dloans.com/loan-programs): Full catalog of residential and commercial programs.

## Residential Loan Programs
- [Conventional Loans](https://dloans.com/loan-programs/conventional-loans): Standard Fannie/Freddie loans for qualified buyers.
- [FHA Loans](https://dloans.com/loan-programs/fha-loans): Low down payment government-backed loans.
- [VA Loans](https://dloans.com/loan-programs/va-loans): Zero-down loans for eligible veterans and service members.
- [USDA Loans](https://dloans.com/loan-programs/usda-loan): Rural and suburban zero-down financing.
- [Jumbo Loans](https://dloans.com/loan-programs/jumbo-loans): Financing above conforming loan limits.
- [Non-QM Loans](https://dloans.com/loan-programs/non-qm-loans): Alternative-documentation loans for non-traditional borrowers.
- [Self-Employed Loans](https://dloans.com/loan-programs/self-employed-loans): Bank statement and P&L programs.
- [Fixed-Rate Mortgage](https://dloans.com/loan-programs/fixed-rate-mortgage): 15/20/30-year fixed options.
- [Adjustable-Rate Mortgage](https://dloans.com/loan-programs/adjustable-rate-mortgage): 5/1, 7/1, 10/1 ARM programs.
- [2-1 Buydown](https://dloans.com/loan-programs/2-1-buydown): Temporary rate buydown for lower initial payments.
- [Down Payment Assistance](https://dloans.com/loan-programs/down-payment-assistance): DPA programs for eligible buyers.
- [FHA 203(k) Renovation](https://dloans.com/loan-programs/fha-203k-loan): Purchase-plus-renovation financing.

## Refinance & Equity
- [Mortgage Refinance](https://dloans.com/loan-programs/mortgage-refinance): Rate-and-term refinancing.
- [Cash-Out Refinance](https://dloans.com/loan-programs/cash-out-refinance): Access home equity as cash.
- [HELOC](https://dloans.com/loan-programs/heloc): Home equity lines of credit up to $750K.
- [Reverse Mortgage](https://dloans.com/loan-programs/reverse-mortgage): HECM programs for homeowners 62+.

## Investor & Specialty
- [Investor / DSCR Loans](https://dloans.com/loan-programs/investor-loans): Rental property financing on property cash flow.
- [Fix and Flip Loans](https://dloans.com/loan-programs/fix-and-flip-loans): Short-term rehab financing.
- [Hard Money Loans](https://dloans.com/loan-programs/hard-money-loans): Asset-based bridge financing.
- [Bridge Loans](https://dloans.com/loan-programs/bridge-loans): Short-term transitional financing.
- [Land Loans](https://dloans.com/land-loans): Financing for raw and improved land.
- [Probate Loans](https://dloans.com/loan-programs/probate-loans): Financing for estates in probate.
- [REO Loans](https://dloans.com/loan-programs/reo-loans): Bank-owned property acquisition financing.
- [Construction Financing](https://dloans.com/loan-programs/construction-financing): Ground-up and renovation construction loans.

## Commercial
- [Commercial Purchase](https://dloans.com/loan-programs/commercial-purchase): Financing for owner-user and investor commercial real estate.
- [Commercial Refinance](https://dloans.com/loan-programs/commercial-refinance): Refinance existing commercial mortgages.
- [SBA 504 Loans](https://dloans.com/loan-programs/sba-504-loans): Long-term fixed-rate financing for owner-occupied CRE.
- [Non-Recourse Loans](https://dloans.com/loan-programs/non-recourse-loans): Non-recourse commercial financing.
- [Mezzanine Financing](https://dloans.com/loan-programs/mezzanine-financing): Subordinate capital for commercial projects.
- [Mergers & Acquisitions](https://dloans.com/loan-programs/mergers-and-acquisitions): Financing for business acquisitions.
- [Business Line of Credit](https://dloans.com/loan-programs/business-line-of-credit): Revolving business capital.
- [Equipment Purchase Loans](https://dloans.com/loan-programs/equipment-purchase-loans): Equipment acquisition financing.

## Optional
- [Privacy Policy](https://dloans.com/privacy-policy)
- [Terms of Service](https://dloans.com/terms-of-service)