David was born and raised in small town Iowa, growing up in Farley just 20 miles west of Dubuque. In 1990, he moved to Ankeny where he graduated from Ankeny High School. From there, he joined the United States Marine Corps reserves and served in Echo Company 2/24 Infantry Company from 1996 to 2004. In between the reserves and graduating Grand View University with a degree in criminal justice, David was also looking at buying his first home.

Do you remember what it was like to be in your twenties and trying to buy a house? If you were like David, you thought you knew everything, but in reality you didn’t have a clue how the world really worked. Now imagine buying your first house at that age.David found himself buying a house from a seller with no real estate agent involved because he knew everything…or so he though! He later met with a lender from a large mortgage company who spent more time figuring out which tie to wear than with David. As a result of this brief encounter, David walked away with an adjustable- rate (ARM) mortgage that he didn’t fully understand on a house that wasn’t worth what he paid for. To make matters worse, because he didn’t have a realtor by his side, he missed the bowing basement wall that would cost him even more money in a few years. Even though he was able to buy a house in his twenties, David’s terrible experience would cause most to run away from mortgages and real estate forever. Instead, David made it his mission to ensure that others never have to go through what he did.

Knowing that a little education could have completely changed his experience, David began incorporating education as his guiding principle when he started his career in the mortgage lending industry in 1999. More than anything else, he didn’t want any of his clients to ever feel uneducated when it came to the mortgage process and to walk away feeling like he did. Everything David teaches and helps his clients with comes from a personal experience and a deep understanding of the negative experience one can have when buying a house. He truly has your best interest in mind to make sure your experience is as positive and stress-free as possible! In 2007, David became co-owner of Heartland Mortgage, which enabled him to provide his educational approach to his clients and the general public. He then transitioned into the Vice President of Mortgage Lending role at Lincoln Savings Bank in 2011. This passion to educate expanded as he gained years of experience in the lending world and experienced the positive impacts it had on his clients.

Being able to recognize that many people were struggling to get approved based on their credit score, David became a Certified Credit Counselor to help his clients and the public improve their scores and overcome this obstacle to homeownership. Instead of letting clients attempt to fix financial and credit issues on their own, David guides his clients along the way to ensure that they can achieve their goals and be in a position to purchase a house sooner than if they were to do it alone.

In October 2013, David opened a branch of Gershman Mortgage in Johnston. It was here that David began to notice that we as a society were taking on more and more debt – young adults entering the work force from college are saddled with student loans, others are carrying the burden of large credit card debt, or they are still feeling the effects of bad financial decisions made years ago. Knowing that existing debt is also a huge obstacle to owning a home, he became a Dave Ramsey “Financial Peace University” instructor to enhance his work with clients to include debt reduction and enabling clients to live debt free.

David’s game plan now includes reducing existing debt, improving your credit score, increasing your ability to save and invest for retirement, ensuring proper insurance coverage in place so your loved ones are taken care of, and ultimately becoming debt free, yet still living the life you always wanted.

They say success is 20% knowledge and 80% follow through, that’s why David’s job isn’t complete when a client’s loan closes. He is here to help in all financial aspects. David welcomes calls or emails from past clients on questions ranging from budgeting, refinancing, paying off debt, and overall thoughts on investing and saving. As a trusted advisor, David helps guide his clients achieve their goals to continue working toward their long-term aspirations.

Outside of working for Gershman Mortgage, David spends his time being the world’s greatest taxi driver to his kids and an even greater husband. Something you probably didn’t know about David is that every Halloween, David and his family create the scariest haunted house known to man. Enter if you think you are brave enough!

The self-proclaimed introvert is an active competitive fencer for the Des Moines Fencing Club. In 2012, David joined the Iowa Air National Guard as a Contract Specialist. He is also a member of the King David Masonic Lodge in Altoona, the West Des Moines Elks Lodge, the Larry Nehring Det. of the Marines Corps League, and is active in his local Toast Masters group. David is also on the Board for the Clive Parks and Recreation Department.

David’s Preferred Partners

Kathi Koenig, CPA, Partner
McGowen, Hurst, Clark, & Smith, P.C.
160 West Lakes Pkwy, Suite 300
West Des Moines, IA 50266

R. Charles Bottenberg, Partner
Masterson, Bottenberg & Eichorn, LLP
O: 515-216-0737 | C: 515-216-0727
9295 Bishop Dr., Suite 105
West Des Moines, IA 50266

Financial Planning
Scott Adams, Financial Advisor
Waddell & Reed
O: 515.278.2347 | C: 515.343-6194
4201 Westown Pkwy, Suite 330
West Des Moines, IA 50266

Adam Kline, Financial Advisor
Edward Jones
O: 515-967-7644
107 2nd Street Southeast
Altoona, IA 50009

Home Inspection
Chuck Wiemann, Owner
Wiemann Home Inspection

Daniel Bell, Agent
Absolute Insurance Agency
7400 University Ave, Suite A
Clive, IA 50325

Nate Kinnetz, Agency Owner
Allstate Insurance
110 N. Ankeny Blvd., Suite 700
Ankeny, IA 50023

Real Estate Agents

Re/Max Real Estate Group
C: 515-249-0084
6600 University Avenue
Des Moines, IA 50324

Jon Niemeyer, Owner/Broker, Realtor, CRS, GRI, ABR
Exit Realty North Star
O: 515-981-5131 | C: 515-490-4675
1039 Sunset Drive
Norwalk, IA 50211

Tim Rietz, Realtor
Berkshire Hathaway Home Services First Realty
O: 515-453-7350 | C: 515-710-1331
5500 Westown Pkwy #120
West Des Moines, IA 50266

Betsy Sarcone, Realtor
Keller Williams Realty Greater Des Moines
C: 515-770-5475
10200 Hickman Rd
Clive, IA 50325

Timothy Schutte, Broker Owner
Exit Realty Capital City
2936 104th St
Urbandale, IA 50322

Ted Weaver, Realtor
RE/MAX Real Estate Group
515-271-8281 | C: 515-339-5667
6600 University Ave
Des Moines, IA 50311

We are very protective of our clients and put them first in everything we do. We don’t send our clients to just anyone, they must provide the best customer service and produce quality products/services. If you share this same passion for your customers, drop us a line and we would love to talk about adding you to our list.

We were referred to David by a relative & I am so glad she recommended him. When we sat down with David, he told us exactly what we had for a price range, what we needed to do & what to expect. He was also always available if we had questions. It took a fair amount of time to find that perfect house & when we did we needed to get everything done in a short amount of time. David came through for us like a champ. He got all the paperwork done in record time & we are now in that perfect house & loving it.

Karen and Bill


Unmatched in both professionalism and service, David and the staff at Gershman Mortgage were the advisors we trusted to handle our home loan. From our first meeting, David was attentive and dedicated to providing the information and resources necessary to guide us toward an investment that would best meet our needs.

A natural teacher, guide, and leader, David’s commitment to customer satisfaction far exceeded the responsibilities of a loan officer.

Together, he and the folks at Gershman helped make our dreams come true. To say they are highly recommended would be a gross understatement. In the hands of Gershman Mortgage, we could breathe easy as the overwhelming process of home buying was made both smooth and enjoyable. Thanks Gershman!!

Kelly & Joey J.


David Bell helped me refinance my mortgage saving me more than $40,000 and in addition provided valuable financial insight which has shaped my future. I will definitely work with him for all of my future needs.

Andrea H.


Our closing experience with you was the easiest we have done in years. We appreciated your attention to detail, your quick response to questions and concerns and would recommend you to others!

Karen Z.


Gershman Mortgage gave us a clear perspective of our financial status. After we decided it made sense to refinance our loan, it was so easy. The documents required were clearly outlined and it was all done in a timely manner. We would recommend using Gershman Mortgage for your home loan.

Colin & Raylee


We bought a home in August 2013 and experienced David Bell’s professional services. Our experience with David Bell was very educational, professional and efficient. He answered all of our questions and made sure we understood the answer. He was available and answered or returned all of our calls and emails in a timely manner. We would highly recommend his services and expertise.

Jessie & Mike M.


David Bell made things easy for us to refinance our home from day one. He walked with us every step of the way, answered all of our questions and made sure we understood our options thoroughly. He’s a fabulous individual to work with and couldn’t be happier to recommend him to others.

Brian West


We have worked with Mr. Bell several times and have always had exceptional service and results. Dave and his associates are highly knowledgeable, responsible in their advisement and we recommend them with no reservations whatsoever. If you want excellent service, smart financial advice and strategies to best manage your hard earned money, Dave Bell is the guy.

Becky W


Dave was amazing; I have no complaints at all. The man worked tirelessly getting everything done I needed done. Communicated well. I couldn’t be happier!

Dustin Kelso


David helped us not only with our mortgage but he showed us how to improve our credit scores so that we could get a lower interest rate and pay less money down which is the only way we were able to get our wonderful new house. Thanks so much, David, for all your help.

Miles Starkey


The process my husband and I had with David was extremely smooth. We tried to get financed from another lender, but ran into so many issues, we had to switch. Fortunately, my brother recommended David Bell to us. Everything closed without a hitch! And I learned so much from him, too! I cannot recommend him highly enough!

Kim Stuart


    Gershman Mortgage , Iowa