About David Krolikowski

David Krolikowski is an experienced mortgage professional who’s been supporting California residents since 1996. He’s done so by providing a simple and easy loan experience, along with a wide range of loan solutions to fit his clients’ unique needs.

David begins the loan process by listening to his clients, discovering their financial goals and then patiently walking them through their options. Whether funding first-time homebuyers or clients who want to access government home loan programs, David’s knowledge of mortgage guidelines means he can ensure his clients have a successful close. His dependability and responsive communication mean they get the attention they deserve. David treats them like family and works hard to ensure they enjoy a rewarding loan process.

When David isn’t helping his customers secure funding, he’s spending time with his wife, three children and five grandkids. He enjoys sporting events (huge Dodgers fan!) and participating in local community organizations, such as the Rotary Club and the Knights of Columbus – of which he is a 30-year member. Born and raised in California, Carlos loves serving the local communities and helping others reach goals through better home financing.


It’s been a while since you’ve closed on your loan, it’s time for a checkup! If your goals have changed since closing, then you may have lots of questions to ask! Are you thinking about shortening your term? Taking cash out of your home? Curious if you can lower your monthly payment?

Click below to see all of your possibilities, and call me today for an easy checkup on your mortgage!

The information and calculations provided via this site are for educational and/or informational purposes only and has been provided in this format by Top of Mind. This is not an offer to lend. The above calculators are for fixed rate scenarios. The rates/APRs shown may not be available at this time and the rates/APRs/loan terms provided do not constitute an offer to lend. The P&I payments shown are monthly payments for principal and interest only, unless specifically noted.

What Our Customers Say About Me

Joy O. May-22
“It was great working with Mr. David K. He is always available to explain and answer questions.”
Ramiro S. Mar-22
“In regards to David Krolikowski. I have been working with David since 2016. From the moment I started working with David, my financial profile has improved for the better. From before I first worked with David, I honestly did not think I was qualified to be a home owner. I didn't believe I had the means to purchase/finance a home. Since working with David, I became a home owner, my credit and net worth has increased dramatically. I have purchased, refinanced - sold said purchase - gained 50% equity - and purchased a new home with said equity at the best interest rate I have ever had, for the home that I always wanted. This would not have been possible without having David. I have completed 3 transactions with David and I dont even bother to look anywhere else. David is always available and has always answered all my questions and concerns. I could go on all day about how great of an experience it has been for me having David to guide me on all thing home finance. Thank you David!!!”
Alejandro O. Feb-22
“Great job . Thanks for your service”
Breahna F. Nov-21
“As a first time homeowner going through this process, I was very lucky to work with David Krolikowski. His knowledge, patience, and generosity made this a smooth process. He explained the process in detail and made himself available with his busy schedule. I would definitely work with David again in the future!”
Jene B. Sep-21
“David was very transparent during the entire process. As a first time home buyer and not sure of what to expect, David eased the burden. As stressful as the process was, I felt reassured things would get accomplished. Thank you, David for the ongoing communication and accurate information.”
Neal F. Aug-21
“David Krolikowski was wonderful! He is very knowledgeable and helpful. The entire process went smoothly and quickly. Thanks so much, David!”
Russell S. May-21
“David was a pleasure to work with us and for us. He worked very hard and provided superior service .He went out of his way to help us even on his days ofd. Always returned our calls, kept us updated all the way thru this process. We are blessed to have him working for us, we will have him represent our son and anyone else that ask us. Lorraine Puntich realtor introduced us and we are greatful. I thankyou David for making this smooth and easy, and you are a very polite and kind man, we look forward to our next adventure with you. God Bless .”
Kevin E. Apr-21
“David was professional and personable. He was thorough and always responded when I had a question. He made me feel at ease about the whole process, I had complete confidence in his abilities.”
Brandon M. Apr-21
“Dave and his team went above and beyond to make sure the process went smoothly. We will be giving his information to any friends or family in need of a home loan.”
Mateo A. Mar-21
“Thank you”
Edna L. Jan-21
“My representative and his associate were wonderful. They made this so much easier than I could have imagined. We did two properties simultaneously and it was half the work I expected. Dave treated me so well and would even make "house calls" to pick things up or bring me information. He managed to make certain I took very little risk and could stay in quarantine. I could not have asked for a better, kinder, experience. I have already sung his praises to anyone who will listen. Dave worked with my deceased husband and continues to be in touch with my son, the realtor who made certain I used Homebridge for these properties.”
Marianandan A. Jan-21
“Thank You David & Team!”
Mayram J. Jan-21
“Thank you David and Nancy for all your involvement, clear instructions, communication. Your help is much appreciated!”
Christopher S. Dec-20
“Thank you Dave Krolikowski and team. We appreciated your help through this process of purchasing our 2nd home. It was easy and simple and look forward to our next one.”
Corey M. Dec-20
“David kept me abreast of the loan process. When I had a problem with the appraisal fees, he said he would take care of the problem. Very nice and professional.”
Jose G. Dec-20
“Thank you David for all your help to purchase our first home. You were always there to answer any questions we had in mind any day and at any time. My wife and I are very pleased working with you. We would like to do business with you again in the near future.”
Mario H. Nov-20
“Thank you for your excellent service”
Richard C. Nov-20
“David was very efficient in the handling of the loan. He is personable and informative. I had a great experience with Homebridge Mortgage and would recommend it to a friend.”
Veronica V. Sep-20
“Fortunately, this was my second experience working with David Krolikowski and Nancy Silva. I knew from the very beginning of the refinance process that I would be informed about everything in a timely manner. I would receive reply emails from David within an hour when I had any question. I will continue to rely on David in the future. I will continue recommending Homebridge Financial Services to friends and family. My deepest gratitude for your outstanding professionalism and expertise!”
Debbie D. Sep-20
“I adore David and Nancy. This is the second time David & Nancy have done a loan for me. I will for sure use them again without a doubt!”
Marco P. Aug-20
“David was very knowledgeable about our loan, and he kept us appraised on every step of our loan process. We were very pleased to have worked with David, he was always there when we needed him, and he always had an answer for us regarding our refinance. David was very professional, courteous, and friendly, I would not hesitate to recommend David to anyone who is seeking help and advice on any mortgage issues. ”
Evan O. Aug-20
“David was absolutely phenomenal. I knew very very little about this process and he answered every question and provided me with so much information and he made it the best experience possible.”
Cynthia S. Aug-20
“The closing documents during signing were not arranged chronologically. we have to compare documents from buyers copy to lenders copy, so it took longer. I had to consult David while signing the documents and some documets were missing or cinfusing and notary of course can not explain some if them. some lender firms also show wring borrower name and neede to be corrected. David facilitatwd the remaining docs ti be sugned and explain the missing or confusing documents. The assistant also had to do a last minute employment verification to close the loan and gave me a 2 hr window to complete where she should have done so 3 days prior. All in all it was still a great servicing and David was awesome.”
Rakesh S. Aug-20
“First time home buyer, exited and nervous on same time. Didn't know much about the lending process. But, David is just awesome. He educated us lots about the process. He was always there when we needed help.”
Augusto C. Jul-20
“Great and patient with process. Knows his material”
TODD K. May-20
“David was forthcoming and always available to answer any questions or clarify loan items. He did a fantastic job keeping our loan on tract and working with us every step of the way.”
DINA P. May-20
“David was awesome. He was professional and kept us informed through the entire process. My loan was exactly what he promised and It was a pleasure working with him and I would highly recommend him. Dina”
RAVI V. 20-Apr
“Thanks David for all the help in closing the refinance. I am also thankful to my friend who introduced me to you. Have a great and blessed year and days ahead.”
“As always, David Krolikowski has been very helpful in the two refinances I have done for my property.”
Ryan W. Oct-19
“David is a great loan officer to work with. He consistently kept us updated on the loan process. David was always available to provide any explanations/answers to any questions we had. This is the second time we have processed a loan with him.”
Heriberto D. Aug-19
“thank you david krolikowski for all you help and advice”
Maria Angelita S. April-19
“Appreciate the assistance. Thank you!”

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