David Hail

Branch Manager

Traditional and Reverse Loans

NMLS # 213066

DavidHail@openmortgage.com

About Me

Welcome to Open Mortgage. I’ve been in the Mortgage/Real Estate industry for almost 39 years. As a former underwriter I can offer expertise not typically found in most loan officers. I am a recognized expert, author, and trainer on the FHA, VA, and USDA Rural Housing loan programs.

I am a Professional Mortgage Banker that provides outstanding customer service. I am skilled in counseling borrowers in resolving credit issues and developing action plans for borrowers that currently do not qualify for a mortgage loan. I can easily identify problematic issues and find solutions that will allow a borrower to obtain home ownership.

Most importantly, I’m fortunate to be a part of a great team of professionals at Open Mortgage. Some of the best I’ve ever seen. Together we want your pursuit of home ownership to be successful.

At Open Mortgage we can do conventional loans including Jumbo products and we are experts in government loan programs… FHA, USDA Rural Development 100% loan program, and VA.

We also provide expertise in the following:

• FHA Good Neighbor Next Door (GNND) half priced home loan program for Law Enforcement Officers, Teachers, Firefighters and Emergency Medical Technicians (EMT).

• FHA 203K “Full” and “Limited” rehabilitation loan programs

• FHA/HUD REO Home loans including $100 down incentive program and REO’s with repair escrows

• Mortgage Credit Certificates (MCC) for up to $2000 per year tax credit and enhanced qualifying for 1st time home buyers.

• Down Payment Assistance (DPA) Grant programs including TSAHC, SETH, and TDHCA

• Manufactured Home Loans – FHA , VA Zero Down, USDA Zero Down, and Conventional

 

 

LICENSED IN:
TEXAS

Each month we produce a email newsletter that highlights an important topic in the realm of mortgages or homes in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.

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Buying a home is one of the biggest purchases you can make. Do you know what to expect in the homebuying process? Our 21 page eGuide gives you a roadmap of the entire homebuying process—from start to finish.

After reading this printable eGuide, you'll know how to:

  • Become financially ready to buy a home
  • Pre-qualify for homebuying
  • Search for homes and make an offer
  • Prepare for the mortgage application process
  • Be ready for ongoing financial responsibilities
  • Maximize enjoyment of your home
  • Increase your home’s energy efficiency to save money!

Whether you’re a first-time homebuyer or seasoned veteran, you’ll feel better about your homebuying goals after reading our eGuide.

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Each month we produce a email newsletter that highlights an important topic in the realm of reverse mortgages or retirement in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.

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Discover the Home Equity Conversion Mortgage (HECM), a remarkable tool that can provide seniors increased financial stability.

Our eGuide gives you a roadmap of the entire homebuying process—from start to finish. A Home Equity Conversion Mortgage (HECM can be strategically used to support a wide range of financial costs and goals. By using a HECM, eligible seniors could:

  • Build a “rainy day fund” for future health care costs
  • Supplement monthly living expenses
  • Fund expensive home and auto repairs
  • Live a more active lifestyle
  • Continue living in their home for the rest of their life
  • Buy a new home

This eGuide discusses the basics of the HECM, its range of benefits, if you’re a good candidate, and how to apply.

Please fill out the fields below to get your Free eGuide

Each month we produce a email newsletter that highlights an important topic in the realm of mortgages or homes in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.

Don't miss another newsletter - sign up today!

Name*
Phone Number
Email Address*
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Buying a home is one of the biggest purchases you can make. Do you know what to expect in the homebuying process? Our 21 page eGuide gives you a roadmap of the entire homebuying process—from start to finish.

Learn More

Each month we produce a email newsletter that highlights an important topic in the realm of reverse mortgages or retirement in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.

Don't miss another newsletter - sign up today!

Name*
Phone Number
Email Address*
Zip Code*

Discover the Home Equity Conversion Mortgage (HECM), a remarkable tool that can provide seniors increased financial stability.

Learn More
Customer Testimonials

Determine your monthly mortgage payment using our free calculator. Buying a home is a milestone, and it’s one of the most significant purchases you can make. It’s important to know what your mortgage payment could be, and how much you can afford.

If you plan to make a downpayment of less than 20% of the home’s value at purchase, you will be required to purchase private mortgage insurance (PMI).* Legal

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