Concierge-Level Service for your Mortgage or Refinance

When you’re considering a major financial purchase like buying a home or you’re exploring the pros and cons of refinancing your current mortgage, you’re sure to have questions. But where do you turn for trusted guidance, and for someone to lead you through? You can rely on me, a mortgage professional in Howard County, Maryland, with more than 25 years of experience. When you call, I will be the one to answer — not a call center — and you can reach out to me anytime.

David Koonce

"David Koonce is professional, personable, humorous, knowledgeable, flexible and thorough. I always felt he was as invested in my dream of purchasing a new home as I was. He was responsive, taking the time to explain every phase of the process. My experience with David was wonderfully unforgettable. He is an outstanding person and loan officer."

Teresa F.

A Mortgage Should Be Personalized

I view home buying or refinancing as a piece of your financial puzzle. I’m going to use the knowledge I’ve gained over more than two decades to recommend the most appropriate loan and terms for your individual financial situation. For example, if you’re a borrower with the cost of college on the horizon, a longer-term loan may keep cash in your pocket now. If you’re planning home improvements, a lower down payment could help you keep cash on hand. Every situation is different, and I’m the kind of person to get to know you before providing any recommendation.

What I Can Provide for You

Home Mortgages
Home Loan Refinancing

Fairway Independent Mortgage Corporation puts our borrowers in a stronger position in this fiercely competitive market. Our Fairway Advantage™ Pre-Approval program is so powerful it even competes with cash buyers.

Loan Programs for Military Members

I am a Certified Military Mortgage Specialist, trained in coordinating loans for eligible service members, veterans and surviving spouses. Home loans backed by the Department of Veterans Affairs (VA) can result in thousands of dollars in savings in closing costs, and even tens of thousands over the course of a loan. Some home loan brokers may not mention the option of VA loans because of their additional requirements.

A few benefits of VA loans include:


Lower closing costs


No down payment in many circumstances


No private mortgage insurance required


Fees can be rolled into the loan amount


Savings on property taxes

Let’s talk about your eligibility

"David’s sense of urgency through the refinance process was exceptional. Every message and question was quickly and thoroughly addressed. The entire process was transparent and seamless, thanks to David and his team. He has completely raised the bar based on our previous experiences. I would not go to anyone else in the future."

Beth B.