David Conary

Loan Officer, TX
NMLS #536127
Licensed loan originator in AZ, CA, CO, FL, OH, OK, OR, PA, TN, TX, PA, WI
With over 21 years of experience, I bring a deep well of industry knowledge and a strong commitment to building lasting relationships. My approach to working with clients is grounded in a “family first” mindset — I treat every client with the same care, honesty, and dedication I would offer my own family. I believe in clear, consistent communication, and my personal philosophy on customer service is simple: be available. Whether it’s answering questions, offering guidance, or solving problems, I strive to be present and dependable whenever my clients need support.

Throughout my career, I’ve been licensed in multiple states across the country, which has given me a well-rounded understanding of regional markets and the unique needs of clients in different areas. This broad experience has allowed me to develop in-depth knowledge of a variety of local trends, regulations, and community dynamics. Whether navigating the fast-paced urban markets or the more nuanced needs of suburban and rural areas, I bring a strategic, informed perspective that helps clients make confident, well-supported decisions wherever they are.

Outside of work, I’m a proud parent and an active member of my community. One of my favorite roles is coaching my son’s club soccer team — it’s a great way to stay involved and share in his passion for the game. I’m also active in my local church, where I enjoy connecting with others and giving back through various programs and events. When I have some downtime, you’ll usually find me relaxing by the pool, playing card games or board games with friends and family, or just enjoying quality time together. These moments keep me grounded and remind me of the importance of balance, connection, and community.

Client success stories

For every homebuyer

New

For new homebuyers ready to start their journey

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Experienced

Repeat buyers looking to upgrade or relocate

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Pro

Investors and multiple-home owners

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Find the best mortgage for you

We have many mortgage structures to fit your financial needs, some of our most common options include:

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Calculator provided for illustrative purposes only, and may not reflect your individual circumstances. To learn more about your mortgage options, contact one of our expert advisors today.

Introductory terms

Essential terms every homebuyer should understand

APR (Annual Percentage Rate)

A measure of the total cost of borrowing, including interest rate and fees, expressed as a yearly rate.

Equity

The difference between your home’s market value and the outstanding balance on your mortgage.

Interest

The fee the lender charges you to borrow money for your mortgage, based on a percentage of the principal.

Pre-approval

A lender’s conditional agreement to loan you a certain amount based on preliminary financial information.

Principal

The amount you borrow from the lender to buy a home. This is typically calculated by taking the home value, minus the down payment (initial upfront investment into the mortgage).

Scott Kagi was very easy to work with, knowledgeable, detailed, honest, transparent, and respectful. He was always patient and understanding, making the complicated transaction as easy as possible.

Charles B.

Scott is very personable, communicative, and helpful to explain the lending process. I was the Realtor on this transaction and continue to be impressed with Scott and his professionalism.

Kristen L.

Scott was introduced to me after my husband and I had already chosen a lender for our first home. Upon Scott's great work ethic and drive to get the best rates for his clients, he offered us a deal that we could not resist. We decided to go with Scott last minute and it made all the difference. The process was streamlined and we did not have to worry about a thing! He was quick with phone calls and texts messages, even helping us while away at a family emergency. He is very knowledgable and extremely great to work with. I highly recommend Scott and his team. We plan to use him in the future for any refinancing or 2nd home purchase.

Sarah H.

Scott did an awesome job helping my clients get the loan they needed at a great rate. He is very professional and responds quickly to all questions. I highly recommend him.

Kim S.

Who I help

First-time homebuyers

We know buying a home can be overwhelming, especially for first-timers. We're here to guide you, help avoid costly mistakes, and ensure your mortgage gets approved so you can secure your home!

Move-up and second homebuyers

Buying a new home while owning one brings unique concerns. We're here to answer your questions, whether it's for a new primary residence or a vacation home.

Refinancing home owners

If you're refinancing to lower your rate or take cash out, we can help and guide you in structuring the best deal.

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