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David Brecher

CEO and Founder

NMLS ID #18222

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"Let David get you home!"


As the founder and CEO of FM Home Loans, David is one of the mortgage industry's most distinguished and accomplished leaders. David is known for his professionalism, expertise, and leadership, and maintains a stellar reputation amongst both industry professionals, clients and company employees. In his 25 plus years in the mortgage industry David has steered FM Home loans through various market shifts and industry changes and has always successfully maintained the company’s level of service to its clientele. Most notably, through David’s efforts and ability to assess risk, the company is one of the few that survived the great recession of 2008 and has thrived ever since. David spends much of his spare time involved in helping others through his involvement with a number of charitable causes.  

Super Powers

Inspires Confidence, Trustworthy, Thorough, Laser-beam focus, Team-Builder

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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.