David Johnston

With over 20 years of experience as a Senior Loan Officer, I’ve had the privilege of helping hundreds of families and investors navigate the home financing process with confidence. Whether you’re buying your first home, upgrading, refinancing, or investing in real estate, my goal is to make the mortgage process clear, smooth, and stress-free.

I work with all loan types, including conventional, FHA, VA, and loans for investment properties. Clients often describe me as a calm educator and problem-solver—someone who takes the time to explain options clearly, anticipate challenges, and find solutions that fit their long-term goals. I’m also known for being fast, responsive, and accessible, because I believe communication is key to a great experience.

Having grown up in the Richmond area, I’m very familiar with the surrounding counties and the nuances of our local market. That local knowledge helps me better guide buyers and investors through every step of the process.

Whether you’re ready to apply or just want to explore your options, I’m here to help.  Give me a call or apply online, and let’s discuss your goals.