Geoffrey Davis

About Us:

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.

Areas of Expertise

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.

Testimonials

• Geoff is a real blessing! He had our best interests in mind by watching rates and encouraging us to refinance before we thought to ask. We trust Geoff and his excellent, responsive and detail-oriented staff. And we love the opportunity to tell our friends and neighbors about his business.
  Thanks, Amanda & Jake
• I have bought and sold many houses in my life, and it always seemed like a long drawn out hassle. For the first time in my experience this was not true. Geoffrey and his team made the process very easy and straight forward even with the new federal restrictions. All my questions were promptly answered, he locked in the best possible rate, and his presence at the closing was very comforting. I would recommend them to all my friends and family.
  WF Howard MD
• "A friend recommended Geoffrey to us when we were considering re-financing. We could not have been happier with the service provided, and closing could not have gone easier. Geoffrey was very organized, and prepared us well. He also provided us with an EXCELLENT mortgage rate. We have already recommended my wife's parents to Geoffrey as it appears that they will be purchasing a home in the area. I would not hesitate to use Geoffrey again in the future."
  Mike & Amanda
• "Geoff and his team were great to us during the home financing process and relocation to Frisco. They were always quick to respond to our questions and made sure we got the lowest rate possible. We would highly recommend the Frisco Mortgage Guy to anyone that is purchasing a home!"
  Tom Kelly
• "We recently refinanced our home with Geoffrey Davis and had a great experience. He exceeded our expectations and his staff was professional and courteous. We are already recommending Frisco Mortgage Guy to our friends and family. Keep up the good work!"
  Steve Burris
• This is our family's third home purchase in 6 years and I personally wish that we had used Frisco Mortgage Guy from the get go. I realize that today's bank loans require much more insight and Geoffrey Davis and Jenny Henley made it a smooth process for us. It was reassuring to know that we were in their hands to manage us through it all. It is one thing to get the job done but it is another when you are provided exceptional service over and above the norm, which is what we received with Frisco Mortgage Guy. Heaven help us if we move again anytime soon, but if we do, I will not hesitate to contact Geoffrey.
  Jeff and Haley Lindley
• Four years ago my wife and I transferred from Kansas City to Carrollton and purchased a home with the typical 30 year note. When interest rates dropped we were considering looking at refinancing options when a friend recommended we see Geoffrey because of their pleasant experience working with him. Best thing we could have done. We were able to handle much of the transaction over the phone. Geoffrey showed us the amortization for a 30 yr vs. 20 year loan and gave us a flat rate and a good faith estimate that was very close to the actual numbers. Geoffrey even worked it out so that when one of us could not be at the closing due to travel, he assisted with getting a power of attorney to get the deal closed. Good experience in every way."
  Richard and Liz Ward
• Working with Geoffrey and his team at Davis Family Lending was a pleasure from start to finish. From his research on different rates and lenders to closing day document execution, Geoffrey was there to explain the process and make closing our new home loan a great experience for us. Anyone shopping for a new mortgage owes it to themselves to speak with Geoffrey first. His solid experience and excellent customer service skills will certainly exceed your expectations.
  Hill Abell
• "I have dealt with a number of brokers in the past for various reasons related to principal and investment property, in which my first experience with Geoff was considered one of the smoothest and diligent brokers I've ever worked with. His team has a "partnering" mentality and I felt like they fully understood the objectives from a timing and economic perspective. Also, he takes the time to educate - which is a unique quality that I find extremely valuable from a mortgage broker. We will certainly consider him for future transactions, and I highly recommend him to anyone looking for a quality broker."
  Leo Fox
• I had been working with my current lender on refinancing my house but my current lender was looking at how much they could make on the refi. Instead of how much they could save me and retain my business. I spoke with my investment banker and her recommended I call the Frisco Mortgage Guy. I live in East Texas and he made the process easy and took care of all the issues, including getting me better terms than what I had originally planned. I would definitely recommend him to anyone looking for an honest broker that puts his client first.
  Todd Hyde
• I consider myself a very thorough person. When I was looking to refinance my mortgage, I wanted the best deal and called four national banks directly plus applied on Lending Tree. Geoffrey Davis beat them all! I'm self-employed and my husband and I had a complicated work history so our loan was not easy. Geoffrey answered all of our questions and walked us through very step along the way. Never once did he pressure us or try to rush us into doing something we weren't comfortable with. He was superb and I'd recommend him to anyone looking for mortgage broker.
  Rebecca Low
• Davis Family Lending went above and beyond when it came to helping finance our dream home. This was our third time financing a house and the process was much easier and far less stressful than any other process we have ever experienced. I have had enough bad experiences to expect bad surprises at closing like: increased closing costs, higher interest rates, etc.. This time, the only surprises were that Geoffrey actually attended my closing and the closing agent at the title company said "This is the lowest interest rate I have ever closed!" Wow!!! They should change the name to Rockstar Family Lending, because Geoffrey Davis Rocks!!!!
  Dr. Brian A. Bullitt
  Bullitt Chiropractic, P.A.
• Geoffrey will take care of you like none other. Always a quick email or call away and made everything very simple and straight-forward. Honest beyond reproach, integrity of the highest level. The only name I will ever give out for mortgage needs from now on. We thank you so much for taking care of our clan. Happy biking my friend!
  JT and Shannon Mistr
• Veronica and I were VERY pleased with the service you provided. You delivered exactly what you promised on the GFE and there were no surprises at Closing. We especially liked that you made yourself available for all the questions we had as first-time homebuyers. You were patient and explained things very clearly spending more time with us that we expected. Working with Davis Family Lending was the most pleasant part of our entire transaction and we have already recommended you to a co-worker (a fellow cyclist, by the way).
  Brian & Veronica O'Donnell
• As first time home buyers the process alone can be incredibly intimidating. There are seemingly endless things to account for and be aware of. Without the right person to guide you it could be a long trudge through a dark, scary world. We went with Frisco Mortgage Guy and found someone who made the entire process painless and quick. None of the horror stories you so often hear. Geoff was always available and quick to get back to us with any information we requested. We can't think of a better mortgage guy to have on your side. He did a fantastic job for us!
  Lucie & Eric
• Thanks for taking such good care of my guys this year; they all said you did a great job getting them into their homes. Woody says you run your business like ours, customer service as your first priority, guess I taught you something.
  Jim Hoyt, Owner, Richardson Bike Mart http://www.bikemart.com/
• I don't know if you remember my telling you that this house is the one that we inquired about several years ago. At that time you gave us some pointers on improving our credit...good advice! Ever since then, I have made it a point to drive by it several times a week to see if it was up for sale again. Then on that one Thursday night, there was a 'For Sale' sign in the front yard. You were so kind to answer our questions via cell phone and email over that weekend. We put a contract on the house within a few short days, thanks to your quick response in helping us get pre qualified. As a matter of fact, the house was not even officially listed yet, and we had a contract on it.
  
  Anyway, thanks so much for your genuine interest in our family and for all of your effort. We do appreciate you!
  Michael and Teri Carter
• We couldn't have been happier with the service we got from Geoff. He worked hard to find us a mortgage, and despite the fact that my wife and I were both changing jobs at the time, he found us a great rate. Then he went the extra mile -- the day before closing, he found us a better rate!
  Steven and Martha Bell
• I really felt like you took great "care" in all of our needs and concerns regarding our transaction and beyond.
  Michele and Ryan Moore
• "We just purchased our first home and Geoffrey exceeded all of our expectations. He answered every question and even showed up at closing. We would highly recommend him to anyone looking for a honest and hardworking mortgage guy."
  Julie and Ken Howell
• "In today's overly hectic working and family environment, you need the process of financing a new home to be so simple and painless that it almost happens without you even being involved. To do this you need a broker you can totally trust to give you the best deal available and to proactively manage all of the potential issues that delay closing long before the closing date arrives. Geoff is exactly this type of broker. I trust him like a brother. I also know that buying a house with him is a stress-free process, because he shoulders the stress for you."
  Allen Abell
• "Geoff refinanced our home for us in 2002 and out of the 4 loan process's I've been through, it was the quickest and easiest. He managed a very smooth process and left no questions unanswered even though I was in Colorado and he was in Texas."
  Joe Triplett
• Geoff is the most honest, sincere, caring person in this line of work in North Texas. His primary concern, by far, is that the deal goes smoothly, painlessly, and without any of that hype or doubletalk that is prevalent in the mortgage business. There are certain things in life you trust only to a very small number of people; watching your kids, your finances, and buying a home. Geoff is one of the people I know I can trust without one shred of doubt. In this day and age it is almost impossible to find someone who does what they say, when they say without making excuses. Geoff Davis is one of the last people in the service industry that does this. I would never ever consider another mortgage guy - he is mine for life!
  Ken Munson
• "I would like to refer to my experience with Geoff as the EXCEL method...it goes like this E engaged (from the beginning to the end) X explore (questions were asked and answers were provided).C communication (casual and professional discussion). E empower (encouragement was provided to consider options). L launch (complete satisfaction built on trust)
  Sue Monroe
• As a former client, I was very impressed with Geoffrey's promptness, professionalism, and knowledge of the industry. I trusted him for my mortgage, I've recommended him to other people who have used and been impressed by his services, and I recommend him for yours. I'm also an appraiser with my family business (Jones Appraisal Services, Inc.). We're very careful about who we associate our family name with, especially in business. I have been so impressed with Geoffrey's personal, family, and business values, that we have developed a successful business relationship with him as well. Geoffrey is a very well rounded upstanding and honest guy. Anyone would count himself/herself lucky to associate with him either personally and/or in a mortgage transaction.
  Robert Jones
• "It's refreshing to do business with a person who still knows how to give GREAT customer service, sound advise and does what he says. I have done multiple loans with Geoffrey and hope to continue to do business in the future."
  Luis Aparicio
• Using Geoff for our mortgage needs was a very wise decision. With only three weeks to close and Geoff's hard work and knowledge our deadline was reached. We will surely recommend Geoff to family and friends.
  Eric Renyer
• "Geoff's service should be called Intelligent Mortgages. He analyses your financial situation, goals, abilities; compares to options available in the market, and finds the best mortgage tailored to provide the best value. The Frisco mortgage guy IS your mortgage guy."
  Sam Ang
• Geoffrey's attention to detail and follow-up is what caused us to build trust with him quickly. He's professional and yet easy to work and talk honestly with. I never felt I was asking a dumb question since Geoffrey always treated me professionally and with respect.
  Michel Eichamer
• We have been through other brokers, but we continuously have used Geoffrey since he always given us fast prequalifications, hasty feedback through the mortgage process, and always recommended the best loan for us. With his honesty and preparation, we have always come to the closing table on time and with no surprises.
  David Morley
• Impeccable, high quality service is clearly job one for Geoff. Working with him on my mortgage refinance was as painless and quick as this complex transaction can be. When unexpected hurdles arose, Geoff identified clear solutions and proactively kept me informed of the status. He stays on top of every detail and gets the job done on time and at a fair price. There is no need to look further for the best mortgage broker around.
  Sandy Herndon
• My wife and I have known Geoff for years through our volunteer work with Habitat for Humanity. When the time was right, Geoff promptly and professionally obtained a home equity loan for us to purchase our dream retirement property.
  Mark and Alice Shaw
• I have worked with a number of other mortgage lenders in the past. Previously I just called several banks or lenders after online searches to obtain a mortgage. I must say that I've never had anyone follow up with me as consistently as you do. Candidly, as an investor with rental property your follow-up and assistance to ensure I've got tenants is amazing as I know you only gain good will from this effort. You've truly gone above and beyond. I have no hesitation referring you to anyone. Thank you,
  Eric Austin
• As an independent rep in the bike industry, I know how difficult it can be securing loans for big ticket items, as the securitization level seems to be a bit higher. This could have been even more difficult as Sabine had just quit her computer job and had come on board with me at Tri Marketing. As far as the loan process went, I can honestly say that we virtually did nothing; filled out no paperwork, provided no documents, life history, etc., and just let you work the loan through. If more people knew that, they would be knocking on your door more often! Please feel free to refer me as a satisfied client at anytime in the future. Our Best,
  Sabine Bildstein and Greg Allen
• As a first time home buyer, and an educated consumer in the realm of credit, I had high expectations from a mortgage lender; but had no idea where to start to find the right person. As luck would have it, based on a referral, the first person we spoke to was Geoff Davis, and knew immediately that this was a sincere and intelligent guy. Geoff, along with my realtor, made our mortgage process a pleasure - seriously. We were laughing and smiling throughout the entire morning, Geoff even came to the closing! I know 'financing guys' in many industries, and he is one of the good guys.
  Torrey Remmert & Todd Landry
• This was the best way I could describe what Geoff did for us, he thinks of others 1st. Without Geoff we would never have been able to buy a house. I personally do not think another mortgage person would have gone through that he did for us. We will never forget it, and he will be our mortgage guy for life.
  Ted and Crystal Renyer
• I just wanted to write you a quick note to tell you that YOU RULE! I bought a house with a temporary construction loan from a bank. That loan was only good for 12 months. I originally intended to fix up the house and sell it, but I decided to live there instead. When I tried to refinance with the bank after the construction was finished, they told me that I didn't qualify for a mortgage with them because I had another mortgage payment for the condo I was living in, and some credit card debt. But when I called you, you found several different lenders for me to choose from, even though on top of it all I was also self employed. In fact, you even got me a low interest rate that I never expected with a stated income loan. Here's where the story gets even better though! Several months later, I sold the condo and paid down most of my credit card debt. You found another loan for me that was such a terrific rate that I refinanced again and locked in an awesome 30 year mortgage deal. Since then, I recommend you to all my friends who are buying a house or talking about refinancing. Thanks!
  Lars Hundley
• My wife and I have just completed our refinance with Geoff Davis. Even though I have known Geoff through Rotary for over two years, I am the type person who checked with several Brokers and directly with 3 mortgage companies, before I decided to work with Geoff. I am an experienced mortgage and real estate person, who has closed literally hundreds of real estate transactions over my career. I must say that Geoff worked harder, was more accurate and honest, plus he kept me better informed than any mortgage person I have ever worked. His knowledge, integrity and personal hands on approach made my wife very comfortable. I would recommend him to anyone seeking a mortgage loan for any reason.
  Mike & Jane Wyant
• Buying a house with a new spouse should be the most fun in your life. Thanks to Geoffrey, it was exactly as it should be - a blast. The fun didn't end there, as the mortgage was cheaper than we expected, and Geoff was up-front about all costs. There was absolutely nothing hidden, no surprises, no 'little things' we found out about after signing up. After buying many cars and getting back to the finance office, we expected to have some last minute negotiations with finance. It did not happen. I have and would recommend Geoff Davis of Mortgages USA to every relative and close friend I have.
  Josh & Laurie Vinyard
• I spent a lot of time researching the best way to get a loan. Even though I had direct offers from lenders I decided to go with Geoffrey. He was able to get me what I wanted - low interest rates, no closing costs, and no down payment. We got money back at the closing! He was always available to answer my questions! I highly recommend him.
  Kelly Spradley
• While several of the "traditional" lenders gave me the impression that I should be thankful to give them the opportunity to loan me money, it was truly a privilege to work with Geoff Davis. One of the best things about working with Geoff was that he worked with me to setup goals and criteria for my mortgage experience, rather than simply getting my information and giving me a one shot "best" deal on whatever day I happened to call him. Not only did Geoff do an excellent job explaining anything and everything I didn't understand, but at the end of the process there was no doubt that I had gotten the best deal without anyone having to sell me on it. Geoff's customer service, knowledge, and personal interest were incomparably better than anyone else who tried to bid my loan. I would highly recommend Geoff Davis to anyone who is looking for a mortgage, regardless of the type and size.
  Jake & Amanda Crain
• As first time homebuyers, my husband and I only had a vague idea of what we were getting into. Geoffrey was able to walk us through and explain every step in the process. Not only is he helpful, straight forward, and honest, but he got us a great loan at a great rate and to the closing table within 3 weeks of finding our home. He really made our first home buying experience easy and we definitely recommend him to anyone purchasing home. He'll be our mortgage guy for life!
  Tom and Suzanne Bates
• Geoffrey did an excellent job of keeping everyone informed of where we were in the process of providing a loan for my buyers (my daughter and son-in-law). I will definitely be sending him more of my business.
  Ceil Snoddy, Keller Williams Realty
• As a real estate investor, I can't say enough good things about Geoff and Good Guy Lending! My loans are always handled professionally and efficiently and most important of all, there are no big bad surprises at the closing table! That is a must in my business where having a deal crumble at the end can break your back financially. Geoff makes sure that I get great and efficient service not only from his people but from the title company and the lender as well. You just can't go wrong with that kind of professionalism, service, and dedication. My thanks to Geoff and the great people at Good Guy Lending!
  James Donaldson
• We've moved twice in 4 years, and have just completed our 2 nd mortgage with Geoff, and couldn't have been happier with the process and his service. He understands that his business is built on the trust and the referrals of his clients, and will find the loan that's best for you. He also stays on top of the many details involved in a home loan and will educate you through the process to make sure you are comfortable and fully understand this very important financial decision.
  Todd & Joellen Joy
• With so many issues to deal with when buying a new house, it really helps that Geoff makes the mortgage shopping experience easy for his clients. You have the feeling that Geoff is friend as well as your representative in the process, and he is the only broker we know that takes the time to attend the closing at the Title Company to make sure all goes well to the completion of the loan.
  Don and Kathy Barnwell
• We really enjoyed working with Geoffrey for the mortgage on our first house. He made it very easy for us to get a loan from California so we were able to purchase our house in Texas with as little travel as possible. Also, he was able to set our minds at ease throughout the entire process. He fully explained the entire mortgage process. With his help we were able to move into our new home with ease.
  Amanda and Phillip Foose
• How do you write a testimonial about your buddy? In true Geoff Davis fashion, I say with the utmost sincerity that he is and always will be our only "mortgage guy"! My wife and I were lucky to have great people with us every step of the way, through our home buying process. Since Megan hasn't known Geoff as long as I, we "shopped around" and compared other mortgage people. Believe it or not, this was Geoff's idea. He wanted to make sure that everyone was "on the same page". We talked to others, but never got that secure feeling we have with Geoff. Geoff's honesty, knowledge and accessibility are second to none! Thanks for everything and we will definitely send all of our Austin referrals to you.
  Thank you, Eddie & Megan Church
• Elizabeth and I were both surprised and actually comforted by your presence at the closing. I have never heard of a broker attending the closing. The mere fact of you being there got us our keys within a few minutes of signing the final docs. Not to mention the absolute amazing customer service that you provided throughout the entire process, even with Julie giving birth right in the middle of the whole thing. Awesome is not a powerful enough word to describe your work. Thanks for getting us into our new home on time!
  Greg and Elizabeth Bobo
• Geoffrey did an incredible job not only ensuring a competitive closing fee and an even lower interest rate, but more importantly he guided me and Michelle every step of the way in the largest investment of our lives.
  Adam and Michelle Byrd
• I've had the pleasure of working with Geoff several times and on every occasion my client has had a positive experience. Each person I've referred has come out of the process better educated and with the best deal they could get. Geoff is great with communication, anticipates problems and has consistently had everything ready for closing early, which is rare. He once helped a client close a purchase in a day and a half! Most of all, he's someone you can trust.
  Nick McCoy- Keller Williams