Dave Bazan is a licensed mortgage loan officer (NMLS #2063296) with Note Mortgage (Company NMLS #2413481), serving Las Vegas, Nevada and San Antonio, Texas. He is bilingual in English and Spanish, holds a 3rd-degree black belt in Brazilian Jiu-Jitsu, and came to mortgage lending after 29 years in Las Vegas hotel hospitality. He specializes in VA loans, including VA new construction, and in Non-QM programs for investors, self-employed borrowers, foreign nationals and ITIN taxpayers.
Hospitality first
Before I ever structured a loan I spent 29 years in Las Vegas hotel hospitality, where a guest's worst day becomes your problem the moment they walk up to the desk. That is the standard I brought to mortgage lending: you should never have to chase me for an answer, and you should never be surprised at the closing table. It is also why I understand how a casino paystub reads, how tip and tip-compliance income are documented, and why a 90-day average tells underwriting a different story than a year-to-date figure.
Two cities, from the ground
I lived in Las Vegas for more than three decades and now live and lend in San Antonio. In Las Vegas that means Nellis and Creech families, hospitality professionals with variable income, and investors buying rentals in a no-income-tax state. In San Antonio it means Joint Base San Antonio PCS timelines, builder floors in the northwest growth corridor, first-time buyers using Texas assistance, and Spanish-speaking families who get told "no" by lenders that only know one kind of file.
The belt
I hold a 3rd-degree black belt in Brazilian Jiu-Jitsu. That belt took decades of showing up when it was inconvenient, and it is not the product. The product is a clearer, more strategic mortgage experience. What the belt stands for on this site is discipline, patience, preparation and attention to detail, which are also the difference between a file that closes on the date on the contract and one that doesn't.
How I work
- Every file gets a written lock-or-float recommendation based on where mortgage bonds are trading, not a shrug.
- Every new-construction quote is built on the finished assessed value and the full district tax rate, which is why mine sometimes looks higher than the builder's and turns out to be the accurate one.
- Every Spanish-speaking client gets the whole process in Spanish, including a walk-through of the Closing Disclosure before signing.
- Every market number on this site names its source and its freshness.
