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 & Arkansas. (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.
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| Selected among Best Mortgage Professionals in DFW for 2010 and again for 2011 | |
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 the larger banks and/or 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. In 2002 I chose to become a Mortgage Broker at the suggestion of a very trusted advisor. Then, in 2011 I became a Mortgage Banker for Bank of the Ozarks at their Preston Road branch in Frisco, TX. 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.
