David Lau as he is most commonly known whose legal name is David Francis-Lau is a graduate of California Polytechnic State College Pomona with a Bachelor’s of Science degree in International Marketing.  His finance experience dates back to 1988 in Los Angeles, California.  He has worked with small Savings and Loans Banks to nationwide Banking institutions.  David moved to Avon, Colorado in 1993 to pursue his passion for snowboarding and mountain living.  David joined the Central Rockies Mortgage team in 2003 and enjoys the personal service and interaction he can provide a client from start to finish.