Geoffrey Davis is commonly known as the Frisco Mortgage Guy because he is an integral member of the Frisco community where he lived since 2002. As a father of four, Geoffrey understands that for most people, their homes are not only their biggest financial investment but also the most important place to shelter and nurture their families.
Geoffrey’s clients trust him to find the mortgage products that are right for them, always keeping their best interest as the top priority. Geoffrey consistently encourages his clients to set realistic goals around purchase amounts to help them avoid the “house rich/cash poor” trap that homebuyers can fall into when they overreach their budgets. He has always discouraged clients from pursuing risky loan products which may be one reason why many of his clients were less impacted by the recent mortgage crisis than some others in the area.
“Keeping it real” is Geoffrey’s philosophy. His focus is on ensuring that his clients understand the real costs of homeownership, and that they are ready for these costs. If a client is currently carrying a heavy debt load, he will encourage them to reduce the debt before pursuing a home loan. He takes the time to educate clients about home expenses – both expected and unexpected – that can become unbearable when laboring under the burden of debt. Geoffrey also explains how the best rates are available to those with higher credit scores, and how debt can reduce those scores, leading to a loan that is both more expensive and less beneficial to the client.
The bottom line for Geoffrey is making sure that his clients get the right loan product that works best for them. Taking the time to get to know each client, educating them, and providing honest, realistic information and guidance is simply the way he does business. A home is a long term investment, and Geoffrey views his relationships with his clients the same way