Your Mortgage Guy for Life!
My name is Geoffrey Davis and I help people find and secure mortgages that match their needs. Whether you are looking for a competitive interest rate, a particular monthly payment or special terms, we will work together in obtaining the best and most appropriate loan package. While I am located in Frisco, Texas, I can help anyone looking to purchase residential or investment property throughout the state of Texas & Oklahoma. (Loans in other States available on a case by case availability.) If you are ready to purchase your first home or that long-awaited dream home; I can help make it happen.
$To Refinance, or Not to Refinance... that is the question!
Wondering if now is a good time to refinance? Visit our Refinancing page and see what goes into answering this question.
Broker vs Banker vs. Retail Lender
The three main titles are Mortgage Broker, Mortgage Banker and Retail Lender. A Mortgage Broker and Mortgage Banker have many similarities when it comes to residential mortgage lending and all three use products that are created by Fannie Mae or Freddie Mac. While Mortgage Brokers and Bankers will use a variety of lenders to fund their mortgage loans, a Retail Lender can only use their bank funds. When it comes to one of the most important and expensive purchases of your life, you deserve the best loan possible, a loan that is perfectly matched to your particular situation. For this reason I have never felt a Retail Lender was an option as they can only offer what their bank has available. A Mortgage Broker/Banker will research all the available programs based upon your mortgage criteria, and report back with the strongest and best positioned offerings from all lending companies. As a Mortgage Banker, I will be your advocate and expert.
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As you probably know, your credit score really makes a difference when applying for a mortgage. For the last several years I have focused on the best practices to help clients improve their credit scores and I wrote tips that I am happy to send to you at no cost or obligation.
I also produce a Weekly eNewsletter, it is not a bland industry template, it is written by yours truly to include regional and national points of interest. It is secure and your e-mail address is protected and never shared with others.