Episode Introduction
Ben sits down with longtime Las Vegas mortgage professional David Yurkovchak to talk about his 20+ year journey in the industry, his passion for financial literacy, the realities of qualifying for a home in a unique market like Las Vegas, and how the city itself has evolved from a transient casino town into a true community and sports hub.
Meet David
David Yurovchak
Guild Mortgage
Contact David
Highlighted Topics
- David’s background in mortgages and 20+ years of industry experience
- Truth-first approach and setting realistic expectations with clients
- How buyers misunderstand income, credit, and affordability
- Unique financial and employment landscape in Las Vegas
- David’s early life, work ethic, and quirky first jobs
- Transition from broadcast journalism aspirations to mortgage banking
- The importance of financial literacy and credit education
- Problems with online mortgage misinformation
- Market cycles, interest rates, and why 2008–style crashes are unlikely
- Buyer psychology, competition, and emotional home shopping
- David’s partnerships with CPAs, estate planners, and credit coaches
- Community involvement, networking groups, and nonprofits in Las Vegas
- Personal recommendations for food, views, and Las Vegas life
Notable Quotes
- “I’m one of those that actually leads with the truth… The truth always comes out anyway, so why not start there?”
- “Nobody wins unless they close.”
- “As crazy as it sounds, a lot of people really don’t know what they make.”
- “Vegas is always going to be a unique anomaly.”
- “Credit is a game we all have to play that nobody got the rules to.”
- “There are some really good tips online, but there are also a lot of really bad ones.”
- “You still have to love the house and be okay with the math right now.”
- “Cleaning offices with my parents taught me work ethic… and to treat everyone the same, whether they’re cleaning the office or running it.”
- “You can see the stress come off of them when it clicks — that legit light bulb moment.”
- “If you can get the rules of the credit game in advance, it sets you up for so many good things later in life.”