VA Loans
Home financing for eligible veterans, active-duty service members and surviving spouses, often with low or no down payment options. David is a veteran himself and understands the benefits you have earned.
Kentucky Mortgage Loan Originator
Your home. Your loan. One trusted loan officer.
Buying, selling or refinancing in Kentucky? Work directly with David Gannon, a Mortgage Loan Originator and U.S. Military veteran, for dependable service from application to closing.
SINCE 2018Serving clients as a Mortgage Loan Originator
11 YEARSU.S. Military service
LICENSED IN KENTUCKYLocal, personal service
NMLS #1764394Verifiable at NMLS Consumer Access
Loan programs
A loan for every situation
From a first home to an investment property, there is more than one way to finance a home. David is well-versed in a wide range of programs and will work with you to find the best solution for your needs.
Traditional Loans
VA, Conventional, FHA, USDA, Second Home, FHA 203k, DPA and Jumbo loans for buying or refinancing a home.
Explore Traditional Loans →Specialty Loans
HELOCs, Bridge, Doctor, Bank Statement, Fix & Flip, DSCR, Reverse Mortgage, Commercial and Profit & Loss loans for less typical situations.
Explore Specialty Loans →Who we help
Financing for where you are in life
Buying
First home, next home, second home, jumbo purchase, new construction or renovation.
Refinancing
Lowering or restructuring a payment, changing terms, or tapping equity.
Veterans & Service Members
VA financing explained by a veteran who understands the process.
Self-Employed & Investors
Bank statement, profit & loss, DSCR and fix & flip programs.
How it works
Simple from apply to close
Apply
Register and securely complete your application online. It only takes a few minutes to get started.
We review your options
David reviews your goals and finances and compares the loan programs that may fit your situation.
We close smoothly
David keeps you and your realtor updated at every step, working toward a fast, efficient closing.
Meet your loan officer
Meet David Gannon
A graduate of the University of Kentucky and a U.S. Military veteran with 11 years of service, David brings dedication, integrity and experience to every client he works with.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Loan programs
Find the loan that fits your life
I am well-versed in a wide range of loan programs, including conventional, FHA, VA, non-QM, refinancing and construction/rehab loans. Whatever your situation, I’ll work with you to find the best solution for your needs. — David Gannon
Traditional Loans
Conventional Loans
Fixed- and adjustable-rate mortgages that are not backed by a government agency, for purchase or refinance.
FHA Loans
Government-insured loans with flexible credit guidelines and lower down payment requirements, a strong fit for many first-time buyers.
USDA Loans
Zero-down-payment options for eligible homes in qualifying rural and suburban areas, subject to income and property eligibility.
Second Home
Financing for a vacation or recreational property: a lake house, a getaway cabin or a place to enjoy the outdoors.
FHA 203k
Buy or refinance a home and finance the cost of repairs and renovations in one loan.
DPA
Down payment assistance programs that may help eligible buyers with their down payment and closing costs. Availability varies by program and location.
Jumbo Loans
Financing for higher-priced homes with loan amounts above conforming loan limits.
Specialty Loans
HELOCs
A flexible line of credit secured by your home’s equity, for renovations, debt consolidation or other goals.
Bridge Loans
Short-term financing that helps you buy your next home before your current one sells.
Doctor Loans
Mortgage programs designed for physicians and medical professionals, with flexible qualification guidelines.
Bank Statement Loans
For self-employed borrowers: qualify using bank statements rather than traditional tax returns.
Fix & Flip
Short-term financing for investors purchasing and renovating properties to resell.
DSCR
Investor loans qualified on a property’s rental income rather than the borrower’s personal income.
Reverse Mortgage
Helps eligible homeowners age 62 and older convert part of their home equity into funds.
Commercial Loans
Financing for business and investment real estate.
Profit & Loss
Qualify using a profit and loss statement to document income, for self-employed borrowers.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Not sure which loan is right?
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
About us
Meet David Gannon
Mortgage Loan Originator | NMLS #1764394
I have proudly served as a Mortgage Loan Originator since 2018. A graduate of the University of Kentucky (BBN) and a U.S. Military veteran with 11 years of service, I bring dedication, integrity, and experience to every client I work with.
Over the past 7 years, I have helped numerous families navigate the complexities of buying, selling, or refinancing a home. My philosophy has always remained the same—deliver the kind of service that clients both expect and deserve. I know that purchasing a home is one of the largest investments you will ever make, which is why I am committed to communicating with you and your realtor every step of the way to ensure a fast, efficient, and smooth closing.
I am well-versed in a wide range of loan programs, including conventional, FHA, VA, non-QM, refinancing, and construction/rehab loans. Whatever your situation, I’ll work with you to find the best solution for your needs.
Outside of the office, I’m an avid outdoorsman who enjoys waterfowl hunting, fishing, and spending time with my wife, Beth, along with our children and grandchildren.
I look forward to the opportunity to serve you. If you ever have questions about the home buying or refinancing process, please don’t hesitate to reach out—I’m David Gannon, and I’m here to help.
“I know that purchasing a home is one of the largest investments you will ever make.”
Mortgage Loan Originator since 2018
University of Kentucky
U.S. Military veteran, 11 years
Licensed in Kentucky
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Contact
Let’s talk about your home financing
You do not need to have the financing figured out before you contact David. Ask a question, talk through your goals, or start your application when you are ready.
Office
Home Front Mortgage
NMLS #2745079
7139-41 Germantown Ave.
Philadelphia, PA 19119
Licensed in: Kentucky
Send a message
How can David help?
I’m committed to communicating with you and your realtor every step of the way.
Realtors: call or email David directly for pre-approvals and scenarios.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Traditional Loans
VA Loans
VA loans help eligible veterans, active-duty service members and surviving spouses finance a home, often with low or no down payment options. David served 11 years in the U.S. Military and understands the benefits you have earned.
This may be a fit if
- You have served, are serving, or are a surviving spouse
- You want to keep upfront cash needs low
- You are buying or refinancing your home
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Traditional Loans
Conventional Loans
Conventional loans are fixed- and adjustable-rate mortgages that are not backed by a government agency. They can be used to purchase or refinance a home.
This may be a fit if
- You have steady income and established credit
- You want a choice of loan terms and rate types
- You are buying, refinancing or financing a second home
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Traditional Loans
FHA Loans
FHA loans are government-insured mortgages with flexible credit guidelines and lower down payment requirements. They are a strong fit for many first-time buyers.
This may be a fit if
- You are buying your first home
- You have limited savings for a down payment
- Your credit is still being built or rebuilt
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Traditional Loans
USDA Loans
USDA loans offer zero-down-payment options for eligible homes in qualifying rural and suburban areas, subject to income and property eligibility.
This may be a fit if
- The home sits in a USDA-eligible area
- Your household income falls within program limits
- You would like to buy without a down payment
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Traditional Loans
Second Home
Second home financing helps you buy a vacation or recreational property: a lake house, a getaway cabin or a place to enjoy the outdoors.
This may be a fit if
- You want a lake house or cabin for time away
- You plan to use the property part of the year
- You already own a primary residence
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Traditional Loans
FHA 203k
An FHA 203k loan lets you buy or refinance a home and finance the cost of repairs and renovations in one loan.
This may be a fit if
- You found a home that needs work
- You prefer one loan over separate purchase and renovation financing
- You want to update the home you already own
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Traditional Loans
DPA
Down payment assistance (DPA) programs may help eligible buyers with their down payment and closing costs. Availability varies by program and location.
This may be a fit if
- Cash for a down payment or closing costs is tight
- You are a buyer who may meet program guidelines
- You want to learn which assistance programs are offered near you
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Traditional Loans
Jumbo Loans
Jumbo loans provide financing for higher-priced homes, with loan amounts above conforming loan limits.
This may be a fit if
- The home you want costs more than conforming limits allow
- You have strong credit, income and assets
- You are buying or refinancing a higher-value property
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
HELOCs
A home equity line of credit (HELOC) is a flexible line of credit secured by your home’s equity, which can be used for renovations, debt consolidation or other goals.
This may be a fit if
- You have built equity in your home
- You want flexible access to funds over time
- You are planning a renovation or consolidating debt
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
Bridge Loans
Bridge loans are short-term financing that helps you buy your next home before your current one sells.
This may be a fit if
- You want to buy before selling your current home
- You need to make a strong offer without a sale contingency
- You expect to repay the loan when your home sells
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
Doctor Loans
Doctor loans are mortgage programs designed for physicians and medical professionals, with flexible qualification guidelines.
This may be a fit if
- You are a physician or other eligible medical professional
- You are early in your career with limited savings or high student debt
- You want to buy a home that fits where your career is heading
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
Bank Statement Loans
Bank statement loans are for self-employed borrowers who want to qualify using bank statements rather than traditional tax returns.
This may be a fit if
- You own a business or work for yourself
- Your tax returns do not show your full cash flow
- You can document deposits with bank statements
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
Fix & Flip
Fix & Flip loans are short-term financing for investors who purchase and renovate properties to resell.
This may be a fit if
- You buy, renovate and resell properties
- You need funds for both purchase and repairs
- You plan a short holding period
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
DSCR
DSCR loans are investor loans qualified on a property’s rental income rather than the borrower’s personal income.
This may be a fit if
- You are buying or refinancing a rental property
- You prefer qualifying on the property’s cash flow
- You are growing a real estate portfolio
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
Reverse Mortgage
A reverse mortgage helps eligible homeowners age 62 and older convert part of their home equity into funds.
This may be a fit if
- You are 62 or older and own your home
- You have built up equity over the years
- You want to access equity without a monthly mortgage payment
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
Commercial Loans
Commercial loans provide financing for business and investment real estate.
This may be a fit if
- You are buying or refinancing business property
- You are investing in commercial real estate
- You want to talk through options with one loan officer
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Specialty Loans
Profit & Loss
Profit & Loss loans let self-employed borrowers qualify using a profit and loss statement to document income.
This may be a fit if
- You are self-employed or run your own business
- You can provide a profit and loss statement
- Traditional income documentation does not fit your situation
How David can help
David reviews your income, credit, assets, property type and timing, compares the programs that may fit, and explains each option in plain language. He keeps you and your realtor updated at every step.
You do not need to know which loan is right for you before you apply.
Loan programs are subject to eligibility, credit approval, underwriting, documentation, property requirements and final approval. Not all programs are available in all situations. This is not a commitment to lend.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Resources
Mortgage calculators
Plan your purchase or refinance with David’s calculators. Estimate what you can afford, see your full monthly payment, check whether refinancing pays off, and compare temporary rate buydowns.
Planning Calculators
Affordability Calculator
Estimate a comfortable and a maximum home price from your income, debts and down payment.
Open calculator →Payment Breakdown
See principal and interest, taxes, insurance, HOA and mortgage insurance in one monthly payment.
Open calculator →Refinance Calculator
Compare your current loan with a new one and find your break-even point.
Open calculator →Buydown Calculators
3-2-1 Buydown
Rate 3% lower in year 1, 2% lower in year 2 and 1% lower in year 3.
Open calculator →2-1-1 Buydown
Rate 2% lower in year 1, then 1% lower in years 2 and 3.
Open calculator →1-1-1 Buydown
Rate 1% lower in each of the first three years.
Open calculator →These calculators are for illustration only. Results are estimates, not a loan offer, rate quote or commitment to lend. Your actual payment, rate and costs depend on credit approval, property, loan program and final underwriting.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Calculators
How much house can I afford?
Enter your income, debts and down payment to see a price range that fits your budget.
Comfortable price (36% of income to debts)
Maximum price (43% of income to debts)
Loan amount
Estimated monthly payment
Maximum price (43% of income to debts)
Loan amount
Estimated monthly payment
Payments include principal, interest, property tax, insurance and HOA. Mortgage insurance is not included.
These calculators are for illustration only. Results are estimates, not a loan offer, rate quote or commitment to lend. Your actual payment, rate and costs depend on credit approval, property, loan program and final underwriting.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Calculators
Mortgage payment breakdown
See where each dollar of your monthly payment goes, from principal and interest to taxes and insurance.
Estimated monthly payment
Principal and interest
Property tax
Home insurance
HOA dues
Mortgage insurance
Loan amount
Down payment
These calculators are for illustration only. Results are estimates, not a loan offer, rate quote or commitment to lend. Your actual payment, rate and costs depend on credit approval, property, loan program and final underwriting.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Calculators
How do I know if I should refinance?
Compare your current loan with a new one. The break-even point shows how long it takes for your savings to cover closing costs.
Monthly savings
Current payment (principal and interest)
New payment (principal and interest)
Break-even point
Remaining interest on current loan
Total interest on new loan
Change in total interest
These calculators are for illustration only. Results are estimates, not a loan offer, rate quote or commitment to lend. Your actual payment, rate and costs depend on credit approval, property, loan program and final underwriting.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Calculators
3-2-1 buydown calculator
See how a 3-2-1 buydown lowers your monthly payment during the first three years, and what it costs to fund.
3-2-1 buydown, year 1 payment
Note-rate payment
Year 1 savings per month
Total buydown cost (subsidy)
| Period | Rate | Payment | Saved per year |
|---|
Compare all three buydowns
| Buydown | Year 1 rate | Year 1 payment | Year 2 payment | Year 3 payment | Total cost |
|---|
A 3-2-1 buydown lowers your rate by 3%, 2% and 1% in years 1, 2 and 3, then returns to the note rate. The cost of the lower payments is usually funded up front, often by a seller, builder or lender credit, and held in escrow. You still qualify at the note rate, and availability depends on the loan program and your lender.
These calculators are for illustration only. Results are estimates, not a loan offer, rate quote or commitment to lend. Your actual payment, rate and costs depend on credit approval, property, loan program and final underwriting.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Calculators
2-1-1 buydown calculator
See how a 2-1-1 buydown lowers your monthly payment during the first three years, and what it costs to fund.
2-1-1 buydown, year 1 payment
Note-rate payment
Year 1 savings per month
Total buydown cost (subsidy)
| Period | Rate | Payment | Saved per year |
|---|
Compare all three buydowns
| Buydown | Year 1 rate | Year 1 payment | Year 2 payment | Year 3 payment | Total cost |
|---|
A 2-1-1 buydown lowers your rate by 2%, 1% and 1% in years 1, 2 and 3, then returns to the note rate. The cost of the lower payments is usually funded up front, often by a seller, builder or lender credit, and held in escrow. You still qualify at the note rate, and availability depends on the loan program and your lender.
These calculators are for illustration only. Results are estimates, not a loan offer, rate quote or commitment to lend. Your actual payment, rate and costs depend on credit approval, property, loan program and final underwriting.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.
Calculators
1-1-1 buydown calculator
See how a 1-1-1 buydown lowers your monthly payment during the first three years, and what it costs to fund.
1-1-1 buydown, year 1 payment
Note-rate payment
Year 1 savings per month
Total buydown cost (subsidy)
| Period | Rate | Payment | Saved per year |
|---|
Compare all three buydowns
| Buydown | Year 1 rate | Year 1 payment | Year 2 payment | Year 3 payment | Total cost |
|---|
A 1-1-1 buydown lowers your rate by 1%, 1% and 1% in years 1, 2 and 3, then returns to the note rate. The cost of the lower payments is usually funded up front, often by a seller, builder or lender credit, and held in escrow. You still qualify at the note rate, and availability depends on the loan program and your lender.
These calculators are for illustration only. Results are estimates, not a loan offer, rate quote or commitment to lend. Your actual payment, rate and costs depend on credit approval, property, loan program and final underwriting.
Ready to get started?
The kind of service you expect and deserve.
If you ever have questions about the home buying or refinancing process, don’t hesitate to reach out.