Dave Zulinke

Licensed Loan Originator 510-LO-31481

Mortgage Advisor

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"Most people don't realize that their mortgage, financial well being, and long-term goals are intertwined."
-- Dave Zulinke

Often when people arrive in Dave Zulinke's office, they are a little stressed and worried about their ability to buy a home. Others are confused about the complexities of refinancing. With his relaxed, friendly and professional manner, Dave helps people feel comfortable right away.

Dave can find for his clients the programs with the best rates and features. That's because unlike a commercial bank or credit union where only that institution's products are recommended, because he is a mortgage broker, Dave can work with loan programs across the entire lending industry, including banks.

Financial Goals and Home Mortgage Are Intertwined
Dave deals with his clients' whole financial picture. He knows that a mortgage will have a huge impact on people's financial situation.

"Most people don't realize that their mortgage, financial well being, and long-term goals are intertwined," Dave explains. "Working together, I can help them improve their financial situation and achieve their goals sooner."

Dave goes on to say "After we discuss their situation fully and I examine it, I explain their best choices including the pros and cons. Then they feel more empowered to make the right decision."

Recently a couple in their fifties hoped to refinance their mortgage to obtain a lower payment. After looking at their situation, Dave recommended that they pull out $25,000 to fund a retirement account, including advising the best type of account to minimize their taxes after they retire. Acting on this advice also reduced their tax liability during their working years. The couple was delighted.

After the Loan Closes
As a service, Dave performs a yearly review with his clients to ensure that their mortgage continues to meet their needs. He discusses preparing a will, life insurance, as well as their retirement needs. When other expertise is needed, a team of quality professional specialists that Dave calls his "wealth management team" comes into play. This team includes C.P.A.s, financial planners, insurance agents, and attorneys in different law specialties, as well as realtors.

Dave is licensed in both Washington and Oregon. He specializes in home lending within the greater context of peoples' financial well being.

With Dave Zulinke, your future is his focus.