About Us
About David Ross — Mortgage Loan Officer & Producing Branch Manager
With more than two decades of mortgage lending experience, I’ve built my business around experience, communication, and long-term client relationships. As a Mortgage Loan Officer and Producing Branch Manager with Cardinal Financial, I work with homebuyers, homeowners, real estate investors, and referral partners across a wide range of financing scenarios.
Over the years, I’ve built an experienced team of mortgage professionals who share the same commitment to service and execution. Together, we combine modern lending technology with the practical knowledge that comes from decades of successfully navigating mortgage transactions and helping clients make informed financing decisions.
My approach is straightforward: understand the client’s goals, evaluate the available financing options, identify potential challenges early, and communicate clearly throughout the process. Whether someone is purchasing a first home, moving into their next home, refinancing, accessing equity, or financing an investment property, the objective is to provide experienced guidance from the initial conversation through closing.
Recognized Experience in Mortgage Lending
The David Ross Team has been recognized multiple times among the Top 1% of Loan Originators in America, including in 2004, 2005, 2006, 2012, 2018, 2019, and 2020, by industry publications including Mortgage Executive Magazine and Scotsman Guide.
Those recognitions reflect years of experience working through changing markets, evolving mortgage guidelines, and a wide variety of borrower and property scenarios.
From Long Island to Las Vegas
I grew up on Long Island and moved to Las Vegas to attend the University of Nevada, Las Vegas, where I earned my bachelor’s degree. I began my career as a mortgage broker before transitioning into mortgage banking and have remained in the mortgage industry ever since.
Today, Las Vegas and Henderson remain my home base. I live in Henderson with my wife, Stefanie, and our three children. While Southern Nevada is an important part of my personal and professional story, my mortgage business extends far beyond the local market, allowing me to assist clients across a broad geographic footprint.
Mortgage Solutions for Homebuyers, Homeowners, and Investors
My team and I work with a broad range of mortgage programs, including Conventional, FHA, VA, Jumbo, refinance, cash-out refinance, and investment-property financing.
For real estate investors, self-employed borrowers, and borrowers with more complex income or documentation, I also work with specialized mortgage solutions including DSCR, bank statement income, Non-QM financing, and eligible investment-property loans that may allow closing in an LLC.
These programs can provide additional financing options for scenarios that may not fit standard Conventional or Jumbo lending guidelines.
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A Mortgage Relationship Built for the Long Term
I don’t view a mortgage as simply a single transaction. My goal is to become a long-term mortgage resource for my clients, their families, real estate investors, and referral partners as their financing needs change over time.
Clients can expect responsive communication, straightforward explanations, detailed analysis, and direct involvement throughout the mortgage process. Whether the next step involves purchasing, refinancing, accessing equity, or financing an investment property, the focus remains the same: helping each client understand their options and make an informed financing decision.
Based in Henderson, Nevada, David Ross and his team provide mortgage lending services to borrowers across a broad multi-state footprint.