Meet David
I'm David Piatek, a veteran just like you.
I understand the unique challenges and opportunities that come with military service, and I'm here to help you navigate the complexities of VA home loans.
Whether you're a veteran, an active-duty service member, serving in the Guard or Reserve, or a surviving spouse, I'm dedicated to providing clear, reliable guidance to help you achieve your dream of homeownership.
About VA Home Loan
VA Home Loan Myths
The VA Home Loan is riddled with misconceptions. Check out our video breaking down various myths.
VA Appraisal Guide
One of the biggest misconceptions of the VA Home Loan is the Appraisal process. Learn how the process works.
VA Handbook
Check out how VA Home Loans are originated and the guidance the VA gives to lenders to qualify you.
How to Budget for a VA Loan
Budgeting is the first step towards accessing your VA Home Loan and leverage homeownership.
What is a Certificate of Eligibility
The first step in using your VA Home Loan is to determine you’re eligible to use the program. Learn how.
Pre Qualification vs Pre Approval
Knowing the difference between the two can make the difference between closing on your dream home or being denied.
VA Disability Income for VA Home Loan
Did you know you can qualify for your VA Home Loan with just your VA Disability Income? Check out how.
Preparing to Buy a Home
Learn the steps you need to take in order to leverage the VA Home Loan.
Why Mortgage Payments Go Up
Congratulations on taking the step towards homeownership. Now understand how your mortgage payment can go up so you can prepare your budget.
Success Stories from Our Valued Clients
A smooth process from start to finish
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 make sure I got everything taken care of!
Anthony C.
Amazing service. Kyle, David and Mason
"Amazing service. Kyle, David and Mason are an excellent team!"
Drew T.
David and his team were extremely professional
"This was one of the most stress-free experiences we have ever had. Even though we know Federal Savings Bank
deals with many people every day, we felt this was a very personalized experience. David and his team were
absolutely the best to work with!"
Michael C.
David and Mason ensured a smooth VA loan!
"David and Mason helped me through my whole buying process and made everything very smooth for me! I used a
VA home loan being a Army veteran and they did nothing but made sure I got everything taken care of!"
Anthony C.
Most stress-free experiences
"This was one of the most stress-free experiences we have ever had. Even though we know Federal Savings Bank
deals with many people every day, we felt this was a very personalized experience. David and his team were
absolutely the best to work with!"
Michael G.
David, Mason and his team have been absolutely amazing
"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.
David and his team were phenomenal
"David and his team were phenomenal. Kept the lines or communication open. Went over everything in great detail.
They made the process as smooth as possible on there end. I couldn't have asked for a better team. I am extremely grateful my realtor suggested David for the process."
Tiffany G.
David and his team were great!
"David and his team were great! We had an exceedingly positive experience. Communication and customer service
were excellent. We moved to NC, and or realtor said that this was the best experience she's ever had with an out of
state lender."
Adam Y.
David and his team were very helpful!
"David P. and Mason M. were beyond helpful with every part of the process, can't thank them enough"
Zachary P.
Thank you for helping us get our dream condominium
"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 .
It was a great team
"It was a great team and David really assisted me from the beginning to the end. This was my first time and has 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
David and Mason!"
Carleen B.
David's knowledge and experience navigating
"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.
I will recommending to friends about this service
"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.
David and his team are amazing
"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.
David Piatek was fantastic
"David Piatek was fantastic. His team did a solid job too. Only complaint would be the timing, how long it took due to the "seasoning requirement" which was unknown that the beginning. Thanks team!"
Juan V.
We appreciate all the help David provided
"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 hands down the best banker you have
"David is hands down the best banker you have, make sure you give him a large raise and a nice steak dinner."
Jacob A.
Thank you David and team for your support
"Thank you David and team 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.
David is hands down the best banker
"David is hands down the best banker you have, make sure you give him a large raise and a nice steak dinner."
Jacob A.
David was always great
"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
"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
"It was a pleasure working with David and his team on our refinance and will always recommend him to others!"
Tanner C.
Working with David was fantastic
"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. The lady at the title company when I closed said she'd never seen a rate that low in her life. 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 was great throughout the whole proces
"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.
Everything was extremely smooth and fast
"Everything was extremely smooth and fast. I am telling everyone I know. Thank you very much for the excellent
service and support."
William S.
Mr. Piatek had great communication skills
"Mr. Piatek had great communication skills, knowledgeable and very cheerful. Would recommend to family, friends
and coworkers."
Shane S.
Maximize your
benefits and budget
Discover why VA Loans are the perfect choice for Veterans and military families.
- No Down Payment *
- Flexible Credit Requirements
- No PMI
- Limited Closing Costs
- Competitive Interest Rates
- Access to VA Grants
The VA Loan is a powerful tool that can be used multiple times throughout a veteran’s life, providing long-term financial advantages. Find out how much you can save with the lowest average interest rates compared to USDA, FHA and Conventional loans.
Get Your VA Loan Quote Today
Financial Readiness
Subscribe to VA Housing Education to stay ahead with the latest updates on VA loans, trending real estate data, and tips for financial readiness.
Our expert-led content offers valuable insights, helping veterans and military families make informed decisions throughout their homebuying journey.
With regular live events and practical advice, you'll get the tools you need to maximize your VA benefits and achieve your homeownership goals. Don't miss out on critical information – subscribe now to ensure you're always in the know.
Unlock Your Benefits
The first step in using your VA Home Loan is to determine if you meet the criteria to use a VA Loan. Schedule a call with us to see how you can utilize and maximize the VA Loan.
Check my Eligibility
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The content of the VA Housing Education/VA Housing Education at Waterman Bank website is for educational purposes only. The VA Housing Education website is provided under license by Waterman Bank. Waterman Bank will not extend credit of any kind without speaking to a Waterman Bank mortgage loan originator. This website should not directly be used to make decisions on home offers, purchasing decisions, is not guaranteed to provide a specific result, imply lending terms, qualification amounts, or real estate advice. Any calculations should be verified independently. For real estate purchase advice consult licensed real estate, financial and legal professionals for advice. The views expressed on this site and in all videos are those of the author and presenter and do not represent those of Waterman Bank and are not intended to provide legal or compliance advice. This VA Housing Education/VA Housing Education at Waterman Bank website is not affiliated with or approved by the U.S. Department of Veterans Affairs (VA) or any other government agency. Contact Waterman Bank for your lending needs. Visit www.watermanbank.com or call 815-264-3201. Equal Housing Lender. NMLS #414704. Waterman Bank. Member FDIC. David Piatek, NMLS673568.
*100% financing subject to credit approval and all VA rules, guidelines, and additional program requirements. The sales price may not exceed the appraised home value. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount. Loan limits are established by the VA and can vary by county.
