Dave Holland — San Diego Mortgage Broker, Founder of Keypath Mortgage
Dave Holland is a licensed mortgage broker (NMLS #1246729) and the founder of Keypath Mortgage (company NMLS #2273319), an independent brokerage based in San Diego, California. Since 2017, Dave and his team have funded over $12 billion in residential home loans across all 48 states where Keypath is licensed. Dave specializes in VA loans for San Diego’s active-duty and veteran community (Camp Pendleton, MCAS Miramar, Naval Base San Diego, Coronado), FHA loans for first-time homebuyers, conventional and jumbo loans, HELOCs, and refinances. Keypath Mortgage holds a 4.9-star rating across 2,400+ verified client reviews. Dave is a member of the National Association of Mortgage Brokers (NAMB), the California Mortgage Association, and reports to the Nationwide Multistate Licensing System (NMLS). He is regularly consulted by San Diego real estate agents and homebuyers for guidance on California mortgage qualification, down-payment assistance programs (SDHC, CalHFA), and rate-lock strategy. To reach Dave directly, call (619) 900-6614 or email dave@vnmloan.com.
Credentials
- Mortgage Loan Originator — NMLS ID #1246729
- Founder & Principal Broker — Keypath Mortgage (founded 2017, San Diego, CA)
- Licensed in 48 states
- California DRE / DBO compliant
- Member, National Association of Mortgage Brokers (NAMB)
- Member, California Mortgage Association (CMA)
Areas of Expertise
| Loan Type | Specialty |
|---|---|
| VA Loans | $0-down purchases, IRRRL streamline refinances, jumbo VA, multi-unit VA strategies for San Diego military |
| FHA Loans | First-time San Diego buyers, 580 credit score qualifications, FHA streamline refinance |
| Conventional Loans | Conforming and high-balance up to $1,104,000 (San Diego County 2026) |
| Jumbo Loans | San Diego luxury markets — La Jolla, Del Mar, Coronado, Rancho Santa Fe |
| HELOC | Home equity lines for renovation, debt consolidation, investment leverage |
| Refinance | Rate-and-term, cash-out, FHA streamline, VA IRRRL |
| Investor / DSCR Loans | California rental property financing |
| Down Payment Assistance | SDHC, CalHFA, MyHome Assistance, Chenoa Fund |
Track Record
| Metric | Result |
|---|---|
| Years in mortgage industry | 12+ |
| Total loans funded | $12 billion+ |
| Homes financed | 50,000+ |
| States licensed | 48 |
| Average client rating | 4.9 / 5.0 (2,400+ reviews) |
| Average San Diego closing time | 21 days IRRRL / 28 days purchase |
What Clients Say
“Dave saved us over $400/month on our refinance. Communication was incredible — he texted us updates at every step.” — Sarah M., San Diego homeowner
“Closed our VA loan in under 30 days with zero down on a $750K home near Camp Pendleton. Best mortgage experience of our lives.” — James R., USMC Veteran
“Best experience with any lender. Dave answered every question, even on weekends. Highly recommend.” — Emily C., first-time San Diego buyer
Where to Find Dave
- Phone: (619) 900-6614
- Email: dave@vnmloan.com
- Office: Keypath Mortgage, 4901 Morena Blvd Suite 129, San Diego, CA 92117
- NMLS: #1246729