TheYoungGroup
Mortgage strategy
built around where
you’re going —
not just where you are.
The YoungGroup
Straight answers, fast
No runaround. You tell us the goal, we tell you what's actually possible — in plain language, same day.
Built on relationships
We're not a call center. You work with David directly, from application to closing.
Every path, one place
Purchase, refinance, cash-out, or investment property — we structure the loan around your goal, not a script.
Whatever the goal,
we’ve done the loan.
From first-time homebuyers to seasoned investors, we offer flexible loan solutions tailored to your unique situation.
Explore Loan Programs
DSCR Loans
Qualify based on property cash flow.
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Bank Statement Loans
Qualify using business or personal bank statements.
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CPA P&L Loans
Qualify on a P&L from your tax professional.
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HELOC
Access the equity in your home.
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Home Equity Loans
A fixed second mortgage — keep your first.
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Jumbo Loans
Financing for higher-priced homes.
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Conventional
A flexible solution for purchases and refinancing.
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FHA Loans
Low down payment home financing.
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VA Loans
Home financing for those who have served.
Learn More →
Commercial
Financing for your business and investment properties.
Learn More →Three steps. That’s it.
Apply online
Tell us the goal — a few minutes, no paperwork yet.
Get approved
We shop your file across programs and lock in the right one.
Close with confidence
Clear numbers, no surprises, on schedule.
Get a real number, right now.
Adjust the details to see an estimated monthly payment. It’s a starting point — not a credit decision.
David Young,
Founder & CEO
With 25 years in the mortgage industry, David has helped thousands of clients from every walk of life — from first-time homebuyers to institutional investors — reach their goals. He built The Young Group on three founding principles: honesty, reputation, and execution.
The Young Group is built around what matters most: delivering real value to our clients. Customer service is always paramount.
David believes AI will dramatically change how loans are processed — faster, more efficient — but it’s the relationship between originator and client that carries the most weight in getting a client to their goal.
“It’s not just about loans.
It’s about people and what’s possible.”
Real people.
Real results.
We’re proud to have helped clients achieve their homeownership and investment goals. Here’s what they have to say.
“I just finished refinancing multiple properties through this company and I'm extremely pleased with the way they conduct their business. Working with David and Maria was a pleasure.”
“A close friend suggested I use David for the closing of my townhouse since my realtor's mortgage person basically dropped the ball. Can't say enough about him — my hero!!”
“The Young Group is officially my lender! The rates are amazing and my Loan Officer Morci was so patient with me as this is my first purchase.”
“What an easy process The Young Group made for me. As one can imagine, taking a loan is always a stressful experience. However David and Maria were so helpful.”
“I purchased a 2 bedroom 2 bath condo in Culver City, California as a primary home and chose a 30 year fixed mortgage. Karen Zhong, who in the past has helped other members of my family, made the entire experience of obtaining a mortgage very straightforward.”
“Great rate, better customer service! Sevan Apik was my Loan Officer and I found him and The Young Group through Bankrate.com when searching for the best rate on a cash-out refinance on my condo in Texas.”
“The process was smooth from beginning to end. I did my mortgage application online, locked in my rate and completed my disclosures all online! David Young was my loan officer who helped me on purchasing my first home.”
“The Young Group has been amazing to work with! I was referred over to The Young Group for a new home purchase in Los Angeles, California. Long story short, they gave me the best rate out there along with a quick closing.”
“The Young Group really did a good job! Purchased a new home in Santa Monica and it was very easy! Working with the team was the best part — always on top of everything and answered my calls.”
“Great rates, amazing service! Just completed the purchase of my first home in Washington. The Young Group team was fantastic to work with and I will use them again in the future!”
“The Young Group team went over and above the call of duty for my refinance of my home in Maryland. We had started the process with another lender and everything seemed to be going wrong.”
“As a real estate agent, I have worked with the team on several transactions. These deals are usually the smoothest transactions.”
Let’s figure out
your next step.
Send a message and David reads it himself, or reach out directly.
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