David Nataf, Cross-Border Mortgage Specialist

Recognitions, 2026: President's Club, and the Finmo award for Excellence de l'innovation technologique.

Mortgage Loan Originator (NMLS #2613311) · Boca Raton, FL & Montreal, QC · 25+ Years Experience

Background

David Nataf is a Mortgage Loan Originator with over 25 years of banking and credit experience across Canada and the United States. He operates from offices in Boca Raton, Florida and Montreal, Quebec, providing cross-border mortgage financing for Canadians buying property in the U.S. and comprehensive domestic mortgage services in Canada.

Why David specializes in files that a first lender turned down is a personal story: he was declined for a U.S. mortgage himself, by the U.S. side of the banking group he had worked for.

David is personally licensed on both sides of the border, NMLS #2613311 in Florida and AMF #3001986744 in Quebec, one of the few brokers who can originate a file in Quebec and Florida without handing it to a second broker. U.S. files are placed through Orbis Mortgage, NMLS #2583431. He is fully bilingual in English and French.

Earlier in his career David operated under the Centura Finance name. That name is historical only: today his Quebec licence is held through Groupe Hypothécaire Orbis (AMF #3001986744) and his U.S. licence through Orbis Mortgage Group LLC (NMLS #2583431).

Cross-Border Expertise

David specializes in structuring U.S. mortgage financing for Canadian buyers, including snowbirds, real estate investors, corporate transferees, and families purchasing vacation or retirement homes in Florida. His clients benefit from direct lender access and institutional bank rates rather than hard money or private lending.

Products David works with include foreign national mortgages (25–30% down, no U.S. credit required), DSCR investment property loans (qualify by rental income), conventional financing for visa holders (TN, L-1, H-1B), and refinancing programs to transition clients out of high-interest hard money loans into permanent bank financing.

Canadian Mortgage Services

Through Groupe Orbis, David provides full-spectrum Canadian mortgage services including residential purchases, refinancing, private lending, reverse mortgages (CHIP program for seniors 55+), commercial financing, pre-approvals, renewals, and construction financing. He serves clients across Quebec and works with a broad network of Canadian lenders.

How David Works

David handles the complete mortgage process from initial strategy through closing, including document collection, lender selection, underwriting coordination, and cross-border logistics. His fluency in both Canadian and American mortgage documentation eliminates the common friction points that delay cross-border transactions.

Whether a client is a first-time buyer in Montreal or a seasoned investor purchasing their fifth Florida rental property, David structures financing based on each client's unique profile, property goals, and tax situation.

How this site is tested against the questions Canadians ask AI assistants, and who does the measuring: What AI assistants need to understand about CrossBorderLoans.ca.

Licensing & Verification

Contact David

Phone: 888-695-6268
Email: david.nataf@orbismortgage.com