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David Warter

David Warter

Senior Loan Advisor | Menlo Park – Sage Financial Services, California

License/Certifications: NMLS 1662687


Office: 650.618.3619

Cell: 831.419.7604

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Home > About Us > Our Team > David Warter


I’m passionate about creating a better loan process, serving happy clients, and building a foundation for financial success. This allows me to provide my clients with competitive rates, tailored financing solutions, and an efficient loan process focused on communication.


Looking to purchase a new home? I’ve helped many clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines.

Home Purchase


Refinance Loans without the Hassle. Do you need help lowering your interest rate, consolidating debt, or looking to remodel? I can help analyze comparable sales and assess if you have adequate equity to eliminate mortgage insurance.

Home Refinance

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Interest Rates are at still at all time lows! Use one of our quick & easy tools to find out what you qualify for!
We’ll help you every step of the way.

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My Story

David Warter helps clients make effective financial decisions by showing them a new way of thinking about their mortgage – not just as a loan based on rates, ratios and guidelines, but as something with the potential to dramatically shift their financial situation now and into the future. During the mortgage process, David shows clients new ways of looking at affordability.


David has worked in the lending industry for the last 20 years. He has been successful in Real Estate Finance because his clients receive a higher level of service than they are used to. He’s gained a lot of experience and knowledge in the 20 years he has worked as a mortgage adviser. David enjoys helping people with their financing needs. He is trustworthy, he prides himself on being accessible, and works hard to get his clients competitive rates.


The most important aspect of David’s business is creating lasting relationships, and he could not do this without a strong work ethic and dedication to serving his clients, friends and family. David values the relationships he has formed over the years and would be privileged to serve you in all your financing needs.



“What can I say about Dave? He’s a true professional and he really cares about his clients’ best interest. I consider him a good friend, and I’m happy I got the chance to do business with him.”
-Ronnie G.

“David Warter did our refinance and the experience couldn’t have been better. His communication to us throughout the entire process was constant, clear and concise. We always knew what was going on. With his knowledge and experience in the lending process we knew that we were in the right hands. We highly recommend David and the rest of the Opes team. Thank you again David for all your help!”
-Cathy N.

“David was a godsend as our mortgage advisor! He was by our side and one step ahead with helping us get pre-qualified for a loan…and he stayed by our side and on top of any changes and updates needed to the financial pieces during our 8+ month search for our dream home. We finally found it and DW was there for support, advice and more! I highly recommend David Warter and his services, thanks Dave!”
-The Bosso Family

Branch: Menlo Park – Sage Financial Services

845 Oak Grove Ave, Suite 210

Menlo Park, California 94025

Phone: 650-618-3622

Fax: 650-618-3698


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360 months

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