Dustin DiMisa is the CEO of Hoot Home Loans, bringing more than 20 years of mortgage industry experience to a consumer-first mission: make home financing clearer, reduce unnecessary friction, and help buyers understand the real math behind monthly payments.
Dustin believes homebuyers need straightforward explanations of what impacts their payment, what levers exist in a transaction, and what a lender can do to improve the overall affordability picture. That practical mindset shapes how he approaches the product and the customer experience at Hoot Home Loans.
Most homebuyers experience the mortgage process as a “payment decision,” not a rate decision. The rate matters, but the most important issues tend to be the monthly payment, the cash-to-close, and the stress of uncertainty that is endemic in the home buying process.
A mortgage should not feel like a black box. Dustin has built teams and processes that prioritize:
This is especially important for first-time buyers, relocation buyers, and families who are balancing affordability with life logistics. Hoot Home Loans aims to be the steady hand that helps buyers move through the process with fewer surprises.
Dustin’s career spans leadership roles where scaling, operations, and consumer conversion mattered. He has helped build and lead mortgage platforms and brands designed for modern buyers, with a consistent focus on strong execution and customer outcomes.
Dustin regularly shares insights on:
For the last few years, the conversation around housing affordability has gotten louder, and more urgent.
Everyone sees the same headline drivers: interest rates rose, prices didn’t fall the way many hoped, and monthly payments are brutal...
One of the most common phrases in real estate is: “Don’t worry, the seller pays the commission.”
That’s technically true as a line item, but it’s often misleading in how people interpret it...
Home affordability isn’t a theoretical conversation anymore, it’s personal.
For a lot of buyers, the payment doesn’t pencil. For a lot of loan officers, the lead flow has become more competitive and less predictable...