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David Kosmecki (American Pacific Mortgage) Mortgage and Lending



David Kosmecki
location_on Ramsey, MN — American Pacific Mortgage
Corporate NMLS 1850
Get to Know David Kosmecki

I provide my clients real care & concern for their needs. I personally have over 40+ years of experience in the real estate and mortgage industries. You will receive personalized care from me, my account managers, my processing staff and administrative assistant. Concern for the customer is my number one priority.

My family resides in Ramsey, Minnesota. I was the past President of the Green Lake Association in Chisago County. I have 3 children; one is 30+ living in Portland,Oregon has a family with a 2 lovely granddaughters and is a teacher. Two are in their early 40's living in Minnesota. One is a Doctor of Veterinary Medicine and the other works in the Resturant industry. I also have 4 grandchildren. My hobbies include boating and fishing. I also enjoy photography. I was raised in Milwaukee, Wisconsin and then moved to the Twin Cities in 1975.

Click the underlined links to visit my website(s): KosmeckiTeam.com 





About Dave Kosmecki

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We strive to offer our customers "customized" financing options. Because we service the loans we originate, you start with us and make your payments to our company. We are with you all the way through!

Our pricing remains extremely competitive through all types of market changes due to our many funding sources. We offer the most competitive pricing.

Our understanding of this complicated process comes from many years of experience in both the real estate and mortgage lending industries. Our "We're In Touch" Communications Program is unparalleled in the industry ...we want you to have instant access to the information you depend on. Yet we are renowned for our Customer Privacy Policy and concern for our clients is evident at every level.

Our staff will provide the utmost in service. Applications and Counseling are available in our office, your REALTOR's® office or at your home. Evening and weekend appointments are also available.

Dave is the best and most honest mortgage professional I've ever come across. I have been searching for several years with several disappointments, especially after the housing crisis. Dave came through for us; he worked tirelessly to ensure all of our requirements were in order. Thanks so much, Dave.
sarah 825
Dave was great to work with. He gave me More Options than other loan companies. Kept us well informed through the whole process. He was even avaliable after 5pm! & on weekends. Impressive!!
When we had heard about Dave Kosmecki; we already had another mortgage broker but she only qualified us for one house. So we would have had to sell first in order to close on a new house. When we contacted Dave he was able to approve us for both houses!! The process went fairly smooth & if we ever buy a house again we would definitely go through Him! Just be prepared for the massive amount of documents that are needed when buying a second home!
Joe and Heidi D. Buffalo, MN
"I just wanted to say THANK YOU SO VERY MUCH for all of the hard work you did to get us into our first home. As first time home buyer’s it is very scary, and with all your patience, understanding and hard work you got us exactly what we wanted and you took such great care of us we couldn't be happier. I will recommend you to everyone I know and meet:)

Because of my 40+ yrs in real estate & mortgages. I understand that each customer has specific needs, we endeavor to provide our clients with enhanced services and follow-though. Your Mortgage Guy!