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1464 E Whitestone Blvd. Cedar Park, TX 78613 Mobile (512) 402-3030 Tel (512) 883-1050 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Condo Mortgage
- First-Time Homebuyers
- Jumbo Loan
- Purchase
- Refinance
Dave Burness
- Senior Loan Officer
- Cedar Park, TX Mortgage Loan Officer
- NMLS #1322576
I’ll be with you every step of the way
Hi, I’m Dave Burness — your mortgage wizard and trusted home financing partner. With over a decade of mortgage experience, I’ve built a reputation for blending expert knowledge, creative problem-solving and a client-first mindset to make home loans simple, transparent and stress-free.
Based in the Austin, TX branch of America’s #1 Retail Mortgage Lender, I’ve helped hundreds of families, first-time homebuyers and investors secure smart, tailored solutions. I specialize in VA, FHA, conventional, jumbo and Non-QM loans — perfect for clients who need a niche approach and a little mortgage magic.
What sets me apart is my ability to simplify the process, design custom strategies and keep clients confident from pre-approval through closing. Ready to unlock your next chapter? I’m here with experience, heart and a touch of wizardry.
When I’m not guiding clients home, you’ll find me mentoring new loan officers, connecting with local professionals or enjoying Austin’s best smoothie spots.
Dave’s testimonials
Guides and resources
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.