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David H Van Gerpen

David H Van Gerpen

Loan Officer

840 Hartnell Ave, Redding, CA 96002
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.9 out of 5.0 stars
5.0
5.0
4.89
Howard
May 22, 2024
Verified

Great communication. David made sure my buyer understood everything and answered all the questions. I highly recommend David and appreciate the patience and hard work to see the transaction through to the end. Thank you David!
KIM
May 17, 2024
Verified

David Van Gerpen is always my go to and recommended for mortgage needs. I can always trust my buyer clients are in good hands. This last loan was ready to close in 2 weeks! We had to wait for the seller a little longer and was able to close early. David is very knowledgeable and trustworthy. You can count on him to tell how it is up front with no surprises.
MADISON
May 17, 2024
Verified

David is the best! He is thorough, kind and dedicated! 20/10 would recommend.
Jaedon
May 17, 2024
Verified

David was with me every step of the way. He worked with me through some challenging circumstances and always made sure I was aware of the next steps. I highly recommend his services!
LIZ
May 17, 2024
Verified

We had a great experience working with David. In every step of the process, he was efficient in letting us know what the status was for both the appraisal and the loan. David was also very thorough with his communication and information. It was very easy to work with David as he is very congenial, professional, and an all around great person! It made going through and closing the transaction very easy and smooth. Thank you for everything David!
Walter
Feb 15, 2024
Verified

DAVID VAN GERPEN AND ENTIRE OFFICE WERE VERY COMPLETE. WE HAD ANY AND ALL QUESTIONS ANSWERED AS THEY APPEARED. THANK YOU FOR YOUR GUIDANCE.

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NMLS ID #243932
I am authorized to do business in the states of California and Oregon. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; OR ML-176;