David Setti
Branch Manager
Phone: 408-610-3210
Email: dave@o2mtg.com

David Setti is the branch manager at O2 Mortgage. Throughout his nearly 20 years in the residential lending space, Dave has been a leader within his company and the industry as a whole. He has been nationally recognized as a top loan originator by Scotsman Guide multiple times in past years. He spends his time now coaching other loan agents on how to be top producers and still enjoys guiding clients through the home loan process.


Raised in Southern California, Dave moved to the Bay Area in the early 90’s to pursue a bachelor’s degree from Santa Clara University. After graduation, Dave found himself in a director’s role in the corporate interiors industry. Following several successful years in the industry, he changed directions to pursue his passion for finance.


Dave has helped thousands of clients discover the joys of homeownership throughout his career. With a focus on affordability over merely qualification, as well as providing a thorough education to his clients on the process of lending, he has helped make the process of securing a mortgage a positive experience.


For the last 5+ years, Dave has served on the board of directors with PACE (Pacific Autism Center for Education), a nonprofit organization, providing high quality programs for individuals with autism and associated developmental disabilities.

He lives in San Jose with his wife and son. In his free time he loves to cook and can often be found at the Shark Tank, rooting on his hometown team to win the elusive Stanley Cup.

Client Stories

“The first time we met with (Dave) he used the whiteboard in his office to lay out all of the details of our purchase. He is excellent at explaining everything. We came up with an amount that would work with our budget and we started shopping.

Dave was literally available at any time we has a question. It didn’t matter what time of the day or night it was, he returned our calls immediately. He was a pleasure to work with.”

San Jose, CA
San Jose, CA

“I can never look at another white board the sam way again! I met Dave late August through our realtor Christina. We were pretty skeptical being renters our whole life. But we heard great things about Dave and wanted to see what he’s about. The first appointment and consultation with him was amazing. He told us on the spot how owning a home would feel like a-z.”