The NEW approach to your mortgage.
At NEO Home Loans, we empower you with financial literacy and help guide your journey to financial freedom.
Schedule your dreams & goals call
David Talbott
Mortgage Advisor | NMLS# 308119
I began my lending career in 2002 in Danville, CA, driven by a passion to help families build generational wealth through real estate. Since then, I’ve helped thousands of families and funded over half a billion dollars in home loans.
At NEO Home Loans, we’re a different kind of lender. We don’t just sell debt—we educate our clients on how homeownership can be a powerful tool for long-term wealth.
I specialize in helping first time home buyers as well as home owners that need to buy before they sell, giving them the flexibility to move on their terms. I work with sellers to purchase their next home first, so they can avoid rushed decisions and sell from a position of strength. This strategy helps them generate the most money for their home when they go under contract.
Our goal is to help every buyer win in today's market. My team will underwrite their loan upfront—putting them in a strong position and ensuring a fast, smooth closing process.
My team is with our clients every step of the way—before, during, and long after the loan closes. We’re committed to building lasting relationships and being a trusted resource for life.
The NEO Experience
Being a successful homeowner is so much more than just buying a home and making your mortgage payment. The NEO Experience will make sure your home will always be a powerful tool that can help you achieve your financial goals, create generational wealth, and enjoy a secure retirement.
OUR PROCESS
Step 1
Discovery
We need to learn about you so we can understand your financial situation and long-term goals before we prescribe a mortgage strategy.
Step 2
Strategy
We will analyze mortgage options with the lowest cost and greatest prosperity potential for you and your family, then present you with a Total Cost Analysis - a digital and easy-to-read breakdown of your mortgage options.
Step 3
Execution
We create a flawless home loan experience for you. If you are in a highly competitive market, we will position you to close your loan as quickly as possible. If you need more time to prepare, we will continue to advise you on your financial situation until you are ready to buy or refinance your home.
Step 4
Wealth Maximization
Your life and the real estate market where you live can change rapidly. Even after you are in your new home, we will continue to manage your mortgage and help you maximize your wealth.
The closing of your loan is just the start of our relationship.
Stay informed about the value of your home!
Our monthly report offers an intuitive financial dashboard, tailored to enhance your wealth-building journey with your most significant asset: your home.
We are committed to ensuring you always have a clear and accurate understanding of your home's value and its impact on your family's financial wellbeing.
