Meet Our Expert Partners

The key to a successful home buying experience is working
with the right professionals.

Work with a partner who works with you.

A majority of transactions require financing and picking the right lender can be tough. Luckily, we work with the best. David Piatek, a military member himself, and his team focus on helping out military members and their families realize the American Dream by being transparent, communicative and honest. David and his team can help with a general home buying consultation, online loan application, or comparing loan estimates.

Work with a partner who works with you.

Picking the right lender can be tough. Luckily, we work with the best. David Piatek (National Guard) and his team help fellow military members and their families realize the American Dream. From general home buying consultation to online loan applications or comparing loan estimates, David and his team are ready to serve you.

Schedule a Consultation
Apply for VA Home Loan Eligibility
Compare VA Loan Rates


Get the right realtor.

Lourdes Fernando (Army Veteran) and her team deliver outstanding service for fellow Military Members that exceed expectations. Her professionalism, integrity, and adherence to military values make her a trusted advisor helping families find their dream homes and investors achieve their financial goals. A deep understanding of VA loan requirements, allows her and her team to provide personalized guidance and exceptional service to military clients, helping them build wealth through real estate investments.

Talk to a Realtor

Get the right realtor.

It's important to have a relator that knows all the ins and outs of the VA Home Loan....

Talk to a Realtor


"After being let down by two major lenders within a month time frame because they where unfamiliar with the VA loan process for a condominium waiver and also not very well informed on how to deal with self employed veteran running his own trucking business, this team took the time to get everything accomplished and completed in time for our projected closing time starting from scratch. In one week these people did what the other lenders could not do in 2-3 weeks time. Thank you for helping us get our dream condominium."

Francisco I.

"David and his team were amazing to work with. They were so organized and on top of everything throughout the entire process. As a first time home buyer, I really appreciated how knowledgeable David is. He was always available to answer any of my questions. 10 out of 10 would recommend working with David to my friends and family!"

Lauren W.

"Amazing service. Kyle, David and Mason are an excellent team!"

Drew T.

"Amazing and his customer service is needed in this crazy world. Thank you to the whole Team!"

Ray L.

"David knew exactly what he was doing and was able to site regulations to show me how it was allowed. He had also closed several similar deals in my market. A great example of this was my request to utilize the incomes from rented units in my 4-unit building to help me qualify for my loan. David's experience closing deals in the local market and his knowledge of how to underwrite the incomes from the other units made it an easy decision to choose David and his team for this purchase."

Christopher B..

"David and Mason helped me through my whole buying process and made everything very smooth for me! I used a VA home loan being an Army veteran and they did nothing but made sure I got everything taken care of!"

Anthony C.

"This was one of the most stress-free experiences we have ever had.  We felt this was a very personalized experience. They were absolutely the best to work with!"

Michael G.

"David was outstanding!"

Roger H.

"David, Mason, and the rest of the team have been absolutely amazing. We have been pleased with every aspect of the process. Thank you!"

Ian G.

"Phenomenal. Kept the lines or communication open. Went over everything in great detail. They made the process as smooth as possible on their end. I couldn't have asked for a better team. I am extremely grateful my realtor suggested David for the process."

Tiffany P.

"We had an exceedingly positive experience. Communication and customer service were excellent. We moved to NC, and our realtor said that this was the best experience she's ever had with an out of state lender."

Adam Y.

"Thank you for everything!"

Israel M. 

"Beyond helpful with every part of the process, can't thank them enough!"

Zachary P.

"David went above and beyond! Class act."

Theodore H.

"It was a great team and they really assisted me from the beginning to the end. This was my first time and had no idea of what to do and what to expect but with the help from David's team, it was a smooth process. Thank you!"

Carleen B.

"David's knowledge and experience navigating the VA process is second to none. I fired a lender and hired David based on this fact. He did a great job overall, and if you're looking for a VA loan, he's the best."

Jordan N.

"David went above and beyond when it came to the loan process, he always kept me in the loop and made the whole process easy. Definitely will be recommending to friends."

George D.

"Very good communication. Always responded in timely matter."

Riesa D.

"Thanks for the great service! Highly recommend to my fellow service members."

Andrew B.

"Very blessed to have worked with David and his team! Made me feel comfortable and happy"

Jonathan C.

"David and his team are amazing. I appreciate all the time and support they spend helping me. I will always recommend David and his team for any financing needs."

Juan V.

"We had 1,000 questions as first time homebuyers and David answered them all. We appreciated his availability and willingness to talk with us whenever we needed advice. He made our first mortgage experience as painless as possible!"

Christopher D.

"David is an absolute pleasure to work with and he worked seamlessly with the real estate agent and the attorney. The entire process was smooth from start to finish. David's communication with us was outstanding and we felt very comfortable through the entire process. We are extremely happy with our loan terms and our overall experience. We will certainly use David in the future if we buy another home. Thank you for everything!"

Steven F. 

"Thank you for your honest and sincere help."

Kyong K.

"Thank you for your support through the process. As always, we felt taken care of and were able to get the best rate/vehicle out there."

Branden M.

"Great experience, would recommend to others"

Benjamin S.

"David and everyone else associated with this loan process provided outstanding service. Communication with everyone was excellent. The terms of the loan were excellent. I have already recommended to others."

Robert D.

"We appreciate all the help David provided. He made the process easy and we appreciated his support. Definitely recommend him to all."

Branden M.

"David is a rock star with the VA process. When other banks gave wishy washy answers, a friend recommended David. And what can I say, except, he made it look easy. I was thrilled to work with such a professional."

Robert S.

"David is outstanding and did a fantastic job. I met David about 4 years ago at a VA Home Loan teach-in event, and have come to know him as very knowledgeable and approachable.  David made himself available to explain contract points that helped me understand the full picture a bit better. I would highly recommend David in the future!"

Robert P.

"Great doing business with David and his team. I would refer them in a heartbeat!"

Zander D.

"David was always great at getting back to us no matter how busy he was. He helped us find workarounds for every obstacle we encountered. Haider also did a fantastic job with contact and organization. Both of them made it a fairly easy process and made sure we understood what was happening at every step. 10/10 experience."

Emilee C.

"David was awesome from the start and he spent more time communicating with me than my last 3 mortgages prior to this one put together. I would absolutely recommend and send friends/family his way in a heart beat!"

Andrew v. 

"It was a pleasure working with David and his team on our refinance and will always recommend him to others!"

Tanner C.

"Very professional and through."

Shaun O.

"Working with David was fantastic. He was on top of everything, knowledgeable, personable, and the entire process exceeded my expectations. Plus I was able to secure a rate that was absolutely unheard of. If and when I happen to buy another house there's no way I'm working with anyone else. Thanks so much!"

Andrew R.

"David & his team did an amazing job. Thank you so much."

Humberto C.

"David was great throughout the whole process. There is a lot of stress and questions during the mortgage and especially the VA loan process and his knowledge and expertise made us feel at ease. He was always an email/phone call/text away and made you feel like you were the only person he was working with."

Jesus M.

"The best in the business."

Daniel B.

"Everything was extremely smooth and fast. I am telling everyone I know. Thank you very much for the excellent service and support."

William S.

"Always a great experience with David."

Stephen W.

"It has been a pleasure working with David. He knows what he's talking about and always responsive to any questions/concerns."

Chong Y.

"Had great communication skills, knowledgeable and very cheerful. Would recommend to family, friends and coworkers."

Shane S.

"Great team to work with. Very smooth process."

David B.

"David was great! Extremely Responsive and answered all of our questions immediately, regardless of time of day!"

Wanting M.

"On top of the details the whole way through the process."

Marvin M.

"David was able to make the seemingly impossible possible. This is after going through two different mortgage loan companies and several banks who didn't know how to help me with a VA loan. I have recommended him to a few friends already as I believe David is top notch when it comes to helping out veterans. Thank you again for helping me throughout this process and making it seem easy compared to competitors who couldn't figure it out."

Carlos M.

"David came as a referral from a trusted source and lived up to every expectation."

Jeffery S.

"David was amazing start to finish. We even received a closing credit from the bank."

Farooq U.

"David is a wealth of knowledge for VA loans! He has been at the touch of a button since our first time using the VA program, and any questions I've had over the past two years he gets back to me promptly! An outstanding person to work with!!! I won't go anywhere else."

John F.

"David is outstanding. I will recommend him to all veterans look to purchase a home. It was seamless and a pleasure!!!"

Bryan S.

"David was incredible through our first home-buying experience. For years, I thought the mortgage process would be difficult and stressful but David and his team made it exactly the opposite - easy! Even through a pandemic. Thank you David! We are so happy in our new home!"

Kalyn M. 

"The entire team was on point from start to finish in the process."

Michele R.

"After the informational session we asked David how important it was to have a good working relationship with your lender. David said it was very important and that's when we asked if he could help us out. Thanks to his services, he made the whole process easy for us and we enjoyed our working relationship with him. He has a good team behind him. We are two very happy home owners now!"

Virginia R.

"David and Ken, and the rest of the Team were superb! I completed the loan process while working outside the USA and they made it seamless and successful!"

James J.

"As noted, I've had 4 total experiences with VA lenders and servicers. David and the team are 5 stars and completely outshine all the other lenders/servicers.  David deserves the finest accolades possible. Again: 5 stars!!"

Edward L.

"The absolute best service!"

Jaelen M.

David S Piatek is a Federal Mortgage Loan Originator (NMLS 673568) licensed in all 50 states with the Dan Frio Team at Allied First Bank (NMLS 203463), an Equal Housing Lender.  Separately, David owns VA Housing Education, an education company.  VA Housing Education is not a lender, does not issue loan qualifications, and does not extend credit of any kind.  This website is only for educational usage.  All calculations should be verified independently.  This website is not an offer to lend and should not directly be used to make decisions on home offers, purchasing decisions, or loan selections.  Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice.  Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice.

Allied First Bank is not affiliated with the VA, FHA or any other government agency.  This site has not been approved by any government agency.

Loan Production Office:
Dan Frio Team
1601 N. Bond St., Suite 316
Naperville, IL 60563
(844) 775-5626
[email protected]
NMLS 246527

Va Housing Education Office
***No in-person appointments

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Allied First Bank Office
Allied First Bank, S.B.
3201 Orrchard Rd.
Oswego, IL 60543

Allied First Bank - NMLS #203463.  VA-approved lender.  Not affiliated with any government agency.
FDIC Certificate #55130