David Berger

Corporate CFO

"Let David get you home!"

A hands-on CFO and trusted strategic adviser, David Berger is a high energy problem solver, with strong business acumen, accounting, and financial background. David joined FM Home Loans in 2021, and immediately created a long-term plan to allow for growth.

Responsible for all accounting and financial operations. Prior to joining the company, David spent over 20 years in a successful career in public accounting as well as a partner in a large national accounting firm working directly with executives to improve tax efficiency, enhance business operations with a strong focus on growth while simultaneously recognizing the need to streamline operations and reduce expenses.

David is Licensed as a CPA in the State of New York and is also certified as a CGMA. He is a member of both the AICPA and the NYSSCPA. He holds a BS degree in accounting from Touro College and an MS in Taxation from Pace University.


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Loan Information


Property Information


Taxes And Insurance Information

Rent Vs. Own

Compare the estimated costs of buying vs. renting a home.

Rental Information


Home Purchase Information

Monthly Rent:
Home Purchase Price:
Down Payment:
Mortgage Interest Rate:
Should you rent or own?
Average monthly payment increase if owning:
Estimated total gain over 7 years if owning:
Rent Own
Initial Rent Payment
Renter's Insurance
Mortgage Payment
PMI (Mortgage Insurance)
Property Taxes
Homeowner's Insurance
Before Tax Monthly Payment
Annual Home Maintenance
Total Payments Over 7 Years
Total Tax Savings Over 7 Years
Average After Tax Monthly Payment
Estimated Home Selling Price
Loan Balance
Estimated Cost to Sell
Down Payment & Initial Closing Costs With Unearned Interest
Investment Gain of Owning vs. Renting
Total Payment Savings of Owning vs. Renting
Total Payment Savings of Renting vs. Owning

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.