Buy Smart. Borrow Smarter. DC, MD, VA, & SC

Straightforward Mortgage Advice, Backed by Real Experience

David Messineo is a Senior Mortgage Banker with over 20 years of experience helping buyers make smart, confident decisions in every kind of market. Buying a home is a major financial step, and his role is to provide clear, transparent guidance — calmly walking you through the strategies that protect your budget and support your family’s goals.

For Homebuyers

A home purchase is a big financial decision. My job is to prepare you fully — with an accurate pre-approval, transparent guidance, and a strategy that supports your goals — so you can move forward without second-guessing.It’s a simple formula that works: smart technology + clear communication. Mortgages should be understandable, predictable, and tailored to you.

• Your Personalized Mortgage Strategy

For Refinancers

When rates, goals, or life circumstances change, a refinance can help you lower your payment, adjust your loan term, or access equity for what matters most. I walk you through the math, timing, and strategy so you can decide with clarity — not pressure.We use the same mix of high-tech tools and real conversation to make sure the numbers support your goals.

• See Your Refi Savings

Partnerships

Your clients deserve clarity — and so do you. I prepare buyers early, explain the strategy, and make sure they understand what it takes to write a strong, competitive offer.The result: fewer surprises, cleaner contracts, and smoother closings for your team — every time.

• Realtor Deal-Support Tool

How I Work

Smart technology keeps the process clean and efficient — fewer forms, less back-and-forth, and no wasted time. Then real conversation brings everything together: your goals, timing, and the strategy that fits you.Data starts the process. Conversation sharpens the plan. Clarity follows.Buying or selling comes with a lot of moving parts. My role is to simplify the process, break down the strategy, and give you rock-solid numbers you can rely on. For 24 years, I’ve helped buyers and Realtors navigate every type of marke

• Download Your Home Buyer Guide

“David was clear and patient in explaining the process to us as first-time buyers. He went the extra mile through a tricky situation and was always quick to respond by text or a quick call. He listened to our concerns — more like a counselor than a loan officer — and kept everything moving. We’re beyond thrilled with his service.”— Brett G. & Amy Q

“As an Underwriting Manager, I’m very particular — and David exceeded every expectation. He answered my many questions with a smile, never made me feel like a number, and got my refinance closed on time at the best rate and product. He’s my ‘Loan Originator for Life.’”— Michelle H.

“I was the listing agent on a deal where David handled the buyer’s loan. The communication was outstanding, and the transaction was smooth for everyone. Highly recommend.”— Jennifer M., Realtor

“David’s walkthrough at the start explained what we needed to provide — and why — which made the paperwork manageable for us as first-time buyers. Great to work with from start to finish; we’d quickly recommend him to others.”— Matt M

Where I work

First Savings Mortgage Corporation

For more than 37 years, we’ve served clients across the DMV and Mid-Atlantic region through a team of seasoned professionals averaging 17 years of industry expertise each. That depth means your loan is managed by specialists who’ve weathered every cycle — and know how to deliver consistently smooth outcomes.