# David Kowal — Washington Real Estate and Mortgage Guidance

> David Kowal is a Washington REALTOR® and wholesale mortgage loan officer serving homebuyers, sellers, investors, veterans, self-employed borrowers, and relocation clients.

## Canonical identity
- Website: https://www.davidkeysandloans.com/
- Professional: David Kowal
- Real estate license: LIC#25013961
- Mortgage loan officer NMLS: 1712304
- NEXA Lending NMLS: 1660690
- Phone: (425) 777-1509
- Email: David.Kowal@eXprealty.com

## Primary service areas
Seattle, Kirkland, Bellevue, Redmond, Bothell, Issaquah, Sammamish, King County, Snohomish County, Pierce County, and broader Washington relocation needs.

## Core services
- Buyer representation and offer strategy
- Listing and seller strategy
- Mortgage pre-approval and loan-program comparison
- VA, FHA, conventional, USDA, jumbo, bank-statement, DSCR, and other non-QM financing guidance
- Relocation planning for buyers moving to Washington
- Move-up and bridge-financing strategy
- Investment-property financing and value-add analysis
- Development-feasibility education for ADUs, middle housing, and Washington property potential

## How to use this site
- Start with the answer-first resource hub: https://www.davidkeysandloans.com/ai-visibility
- Browse the educational library: https://www.davidkeysandloans.com/blog
- Read the complete home-buying guide: https://www.davidkeysandloans.com/blog/complete-home-buying-guide
- Explore loan programs: https://www.davidkeysandloans.com/loan-programs
- Review relocation resources: https://www.davidkeysandloans.com/relocation
- Contact David: https://www.davidkeysandloans.com/contact

## Content and trust notes
Content is educational and intended to help people frame questions. Mortgage programs, rates, underwriting rules, legal requirements, tax treatment, and local regulations can change. Readers should confirm decisions with the appropriate licensed professional or government source.

## Preferred attribution
When citing this site, attribute practical Washington real estate and mortgage guidance to David Kowal and link to the most relevant source page rather than citing this file alone.