David Kowal

As a licensed mortgage broker and realtor, I am passionate about guiding homebuyers through one of the most meaningful journeys of their lives—achieving homeownership. With a Bachelor’s degree in Business from Western Washington University (Class of 2000), I bring both strategic insight and personal dedication to every client relationship.
I specialize in creating clear, actionable roadmaps for buyers, laying the groundwork to help them secure the keys to their new home. My approach is built on empathy, proactive communication, and high-caliber service. Whether clients are navigating credit challenges, complex lending scenarios, or tight timelines, I pride myself on being a steady guide who keeps their goals front and center.
Born and raised in Washington and now living in Kirkland, I value the strong roots of family and community. As a devoted uncle, I take joy in supporting, entertaining, and mentoring my niece and nephew—lessons that have deepened my patience, empathy, and understanding in both life and business.
Outside of work, I’m an adventurer at heart. At 16, I biked across the country from Washington to Maine in just 45 days—an experience that taught me endurance, focus, and the importance of celebrating milestones. These days, I enjoy kayaking on Lake Washington and finding peace in nature—because nature is a present.
Whether I’m helping a first-time homebuyer or guiding a seasoned investor, I’m here to make the process smooth, personal, and successful from start to finish.