Mortgage guidance,
rigorously explained.
Resource Home Loan is Mark Dankman's independent brokerage, an educational, no-pressure home for Northern California homebuyers and homeowners comparing rates across 80+ wholesale lenders.

Mark Dankman
Broker · NMLS #251068
Originating Northern California home loans since
Wholesale lenders compared per client
In home loans arranged over three decades
Average client review across platforms
Every major program, matched to your file.
We don't push a house product. We compare wholesale rates across 80+ lenders and structure the loan around your income, timeline, and long-term plans.
Explore all programsDSCR Investor Loans
Qualify rentals on the rent they collect, not your tax returns. No DTI, LLC vesting, unlimited financed properties.
Learn moreBank Statement Loans
Self-employed borrowers underwritten on 12-24 months of business deposits instead of write-off-heavy returns.
Learn moreJumbo & Super-Jumbo
Northern California specialty. Portfolio and non-QM options for high-balance loans up to $30M.
Learn moreFix & Flip / Bridge
Short-term business-purpose financing up to 90% of cost, with closings as fast as 10 days.
Learn moreConventional Purchase
3-20% down, 620+ credit, and 2026 high-balance limits up to $1,209,750 across most NorCal counties.
Learn moreReverse Mortgages (HECM)
Age 62+ equity access with no required monthly principal and interest payment. Purchase and refinance options.
Learn moreLoans that read the property, not just the paystub.
A large share of what Mark closes is investor and alternative-documentation financing: DSCR rentals, bank statement loans for business owners, bridge money for value-add projects, and portfolio jumbo for buyers whose tax returns don't tell the whole story.
Start with DSCR financingNo tax returns
DSCR qualifies on the property's rent against its payment. Personal DTI never enters the file.
Unlimited properties
Agency caps out at ten financed properties. Our investor lenders do not count them.
LLC vesting
Close in an entity for liability and portfolio structure, without the agency workarounds.
Short-term rental income
Many lenders will use projected STR revenue on Sonoma, Napa, and Tahoe-adjacent properties.
Deep, unhurried explanations of how mortgages actually work.
How to actually get pre-approved in Northern California
The 2026 Bay Area jumbo playbook: limits, reserves, and rate buckets
When a refinance saves money, and when it quietly costs you
Sonoma County market notes: inventory, insurance, and lending impact
A mortgage broker who teaches before he quotes.
Mark Dankman has been originating loans since 1993, helping Northern California families and investors make the largest financial decision of their lives, and the one most likely to be sold to them badly.
As an independent broker, he isn't tied to a bank's product menu. He shops your file across 80+ wholesale lenders, models the trade-offs in plain English, and stays with you long after closing.
- Independent brokerage, no lender loyalty
- Full pre-approvals, not soft prequals
- In-house processing for 21-day closes
- Bilingual client team (English/Spanish)

What Northern California homeowners say about working with Mark.
5.0 average across 15 verified Google and Yelp reviews
"I had the pleasure of working with Mark Dankman's team for a listing of mine in Dublin, CA. Mark assisted the buyer with their financing and did a phenomenal job. His communication and speed at which he returned calls and emails was fantastic. I would hig…"
"I recently bought my home through the California Dream For All program, and I'm really appreciative of the effort Mark put into helping me navigate the process. Even with the tight deadlines and extra steps involved, Mark showed professionalism and care.…"
"Mark was excellent throughout the entire escrow process. As the listing agent, it was very important to me to have communication on the buyers loan status, and Mark contacted me frequently to make sure I was updated and had all the information my client a…"
"Mark has been extremely helpful with getting my financing taken care of over the years. This is the second time Mark has helped me and will not hesitate in using him in the future if warranted. He's excellent with his customer service and makes sure every…"
"Mark has helped me refinance my home twice. The first time, I was not at all familiar with the process so had a lot of questions. He laid out all the options, walked me through the pros and cons of each and made sure we locked my choice just before rates…"
"I just finished working again with Mark and his team on my client's purchase. Mark worked overtime to get this deal closed on time. He always comes in with great rates and his communication is simply the best. As a Realtor I have worked with many differen…"
"It is rare that I take the time to review a lender with whom I have worked on a deal but in this case, Mark definitely deserves it as his attention to detail and professional support throughout my client's escrow was nothing short of extraordinary. His co…"
"I contacted Mark through Resource Home Loan after trying another company who could not assist me. Mark was professional and went to work immediately at helping me refinance a property I was handling for an elderly relative. Mark's expertise enabled me to…"
"I had the pleasure of working with Mark Dankman's team for a listing of mine in Dublin, CA. Mark assisted the buyer with their financing and did a phenomenal job. His communication and speed at which he returned calls and emails was fantastic. I would hig…"
"I recently bought my home through the California Dream For All program, and I'm really appreciative of the effort Mark put into helping me navigate the process. Even with the tight deadlines and extra steps involved, Mark showed professionalism and care.…"
"Mark was excellent throughout the entire escrow process. As the listing agent, it was very important to me to have communication on the buyers loan status, and Mark contacted me frequently to make sure I was updated and had all the information my client a…"
"Mark has been extremely helpful with getting my financing taken care of over the years. This is the second time Mark has helped me and will not hesitate in using him in the future if warranted. He's excellent with his customer service and makes sure every…"
"Mark has helped me refinance my home twice. The first time, I was not at all familiar with the process so had a lot of questions. He laid out all the options, walked me through the pros and cons of each and made sure we locked my choice just before rates…"
"I just finished working again with Mark and his team on my client's purchase. Mark worked overtime to get this deal closed on time. He always comes in with great rates and his communication is simply the best. As a Realtor I have worked with many differen…"
"It is rare that I take the time to review a lender with whom I have worked on a deal but in this case, Mark definitely deserves it as his attention to detail and professional support throughout my client's escrow was nothing short of extraordinary. His co…"
"I contacted Mark through Resource Home Loan after trying another company who could not assist me. Mark was professional and went to work immediately at helping me refinance a property I was handling for an elderly relative. Mark's expertise enabled me to…"
"Your search for a mortgage broker is over. Look no further than Mark Dankman. We recently purchased a home in Rocklin and a friend referred us to Mark. He was outstanding from day one. Courteous and professional, we enjoyed a terrific experience throughou…"
"Mark is a dream to work with! He communicates clearly, kindly and consistently. I am the listing agent on a home purchase that he was able to close in just a little over two weeks for his clients. I am so impressed at how smooth the entire transaction was…"
"As a real estate professional I work with mortgage lenders everyday. Mark exceeded my expectations in all areas of service. He kept me informed every step of the way, was extremely knowledgeable and as a true professional handled a complicated loan file w…"
"We had an excellent experience working with Mark as first time home buyers. Throughout the process he took the time to explain everything to us, in a patient, professional manner and we appreciated his expertise for documents and terms that went over our…"
"Mark has extreme knowledge about the loan process and has amazing rates. His rates by far were lower than any bank. He is amazingly fast with the entire process from start to finish. Mark will also guide you through every step of the process. I highly rec…"
"Mark is the best of the best! No need to look anywhere else. Mark listens, explains, re-explains, being a first time buyer I had a lot of questions. He is patient and deserves to be recognized for his amazing work. Mark is positive and will do anything he…"
"Mark and Elaine are exceptional. I highly recommend his team at Resource Home Loan. Excellent communication, follow-up and overall professionalism. We closed from start to finish in 14 days, day 1 being the initial loan app. I really appreciated the perso…"
"Your search for a mortgage broker is over. Look no further than Mark Dankman. We recently purchased a home in Rocklin and a friend referred us to Mark. He was outstanding from day one. Courteous and professional, we enjoyed a terrific experience throughou…"
"Mark is a dream to work with! He communicates clearly, kindly and consistently. I am the listing agent on a home purchase that he was able to close in just a little over two weeks for his clients. I am so impressed at how smooth the entire transaction was…"
"As a real estate professional I work with mortgage lenders everyday. Mark exceeded my expectations in all areas of service. He kept me informed every step of the way, was extremely knowledgeable and as a true professional handled a complicated loan file w…"
"We had an excellent experience working with Mark as first time home buyers. Throughout the process he took the time to explain everything to us, in a patient, professional manner and we appreciated his expertise for documents and terms that went over our…"
"Mark has extreme knowledge about the loan process and has amazing rates. His rates by far were lower than any bank. He is amazingly fast with the entire process from start to finish. Mark will also guide you through every step of the process. I highly rec…"
"Mark is the best of the best! No need to look anywhere else. Mark listens, explains, re-explains, being a first time buyer I had a lot of questions. He is patient and deserves to be recognized for his amazing work. Mark is positive and will do anything he…"
"Mark and Elaine are exceptional. I highly recommend his team at Resource Home Loan. Excellent communication, follow-up and overall professionalism. We closed from start to finish in 14 days, day 1 being the initial loan app. I really appreciated the perso…"
Lending across all of Northern California.
Local knowledge matters, appraisal comps, county programs, fire-zone insurance, and jumbo limits vary block by block. We work every Northern California county.
Full areas served →The questions we get most, answered honestly.
What does a mortgage broker actually do differently?
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A broker shops 80+ wholesale lenders on your behalf instead of quoting one bank's rate sheet. That means better pricing for most credit and income profiles, and honest advice when a bank product would serve you better.
How do I get pre-approved?
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Schedule a 20-minute consultation. We'll review income, assets, credit, and goals, then run a full pre-approval, not a soft prequal, so your offer stands up in a competitive Northern California market.
What areas do you serve?
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All 58 California counties, with deep expertise across Sonoma, Napa, Marin, San Francisco, Alameda, Contra Costa, Sacramento, and Solano. Local underwriting knowledge matters for appraisals, insurance, and county-specific programs.
How are you paid?
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Lender-paid or borrower-paid compensation, disclosed up front on every quote. You'll see the exact dollar figure before you sign anything.
Twenty minutes with Mark can reshape your next mortgage.
No pressure, no credit pull to start. Bring your questions, leave with a clear plan.