About Frisco's Westfalls Village

A good family friend of ours has decided to rent their home in our neighborhood of Westfalls Village. Want to be my neighbor? Great folks and a beautiful home tell your friends who might want to move to the Frisco area but not ready to buy yet! (The home caries a special blessing from a Priest as well!)

Geoffrey Davis

FriscoMortgageGuy.com

214-975-1266- fax

214-529-9622- cell

Honored as one of the 2010 Best Mortgage Brokers in Dallas! for D Magazine. Ranked 25^th in 2009 production in the category Largest North Texas Residential Mortgage Lenders, according to the Dallas Business Journal!

Geoffrey is the "Frisco Mortgage Guy"!

P.S. I use DropBox as a more secure way to move papers back and forth - FREE! If you sign up from this link - we BOTH get an extra amount of storage space, still FREE!!!

Have you ever stood in front of a home and thought, "Wow. With the right owners, and a bit of TLC, this could be a stunning home"? Well, that is the way we feel about the home directly across the street from us. Each morning, when I go out to get the paper, I look at this lovely, 4-Bedroom home equipped with a large island kitchen, curved staircase, family room and media room, and hope that one day it will find the owner it deserves.

As an extra bonus, this home comes with great neighbors for whom we can vouch-including ourselves! Our little pocket is a special place that gathers in the fall with BBQs in the street, a bounce house and a visit from our local Frisco Fire Department (the kids love this). A protective bunch, we know everyone's children and keep an eye on our neighbor's homes when they are away. You will always find there is someone with a bottle of ketchup, cup of sugar or egg to spare-critical during cupcake baking for a child's birthday. Mystery "Boo Baskets" with treats for youngsters magically appear on your front porch during Halloween with a wish that you will "Boo" someone else to carry on the tradition.

It's our slice of the American Dream, and we feel honored to live amongst such good people. We would love if we could welcome another family into the fold and I guarantee you that everyone would be thrilled to have you. Julie has personally offered to do some sweat equity work in your new front yard, that she says has great specimens but needs some new placements and plant additions to really help show off this home. Baked goods, or a bottle of wine, are bound to be part of the welcome offering to our newest friends.

Check it out at if you are looking for a feel good neighborhood with people who care and children who play in the front yard. We look forward to seeing you move in-and lending a hand!

Geoffrey Davis

FriscoMortgageGuy.com

214-975-1266- fax

214-529-9622- cell

Honored as one of the 2010 Best Mortgage Brokers in Dallas! for D Magazine. Ranked 25^th in 2009 production in the category Largest North Texas Residential Mortgage Lenders, according to the Dallas Business Journal!

Geoffrey is the "Frisco Mortgage Guy"!

Do you want to be our neighbor? There are two homes on the market in our neighborhood. This is a great neighborhood: quiet, lots of kids, U shaped road. We found it a few years ago when we were looking for a smaller subdivision.

One requirement we have for new owners: they must have children who are old enough to baby sit! That is a must!

You should check them out:

• 2242 Crystal Falls, 75034

· 8533 Ventura Ln. 75034

Geoffrey Davis

214-529-9622

Find out why I am called The Frisco Mortgage Guy!

p.s. Support A Mission Trip- Eat at Chick-fil-a today! A friend is going on a mission trip to Belize with a group of High School students from our church. Chick-fil-a (Eldorado/North Dallas Tollway in Frisco) will provide a portion of the proceeds earned today. Monday, April 19 - all day. Tell them that you are there to support the St. Philip's Mission Trip.

When I first began working as a mortgage broker the more lenders you were signed up with the more rate sheets you received. A rate sheet is a PDF document from the lender you signed up with - Chase, Wells Fargo or Bank of America, etc. These rate sheets used to be 8 or 10 pages long. There were a variety of transactions and way too many options and programs. To be honest, I don't think the loan officers or brokers even knew what some of the programs were. There was a day when account reps would come to your office about every two or three weeks or so to talk about new programs.

Again, I think that was - and it has been proven - the demise of some of our mortgage industry because with those programs, when their risk category got too aggressive some of those ARM (Adjustable Rate Mortgages) programs were just not as attractive for anybody - the mortgage market or the homeowners. Now when I get rate sheets, they are between two and four pages long. I think it is great! It has gone back to the days of "would you like a 30 yr. fixed or a 20 yr fixed or a 15 yr fixed?' Rarely do I talk about ARMS unless I have a client who is buying a home for an investment property and might sell. Or perhaps my client is going to graduate school or they have a contracted job for only a 3 year term. Then that program might be a viable option.

To recap, the mortgage industry has become pretty boring! As Dave Ramsey says, he would much prefer that you come in with 20% down and do a 15 year fixed but some of us do not have that capability. We also are not certain that we will not be moving, so why get a 15 year fixed when you can spread those payments out and make it a little cheaper each month. If you look at the amortization of that loan over 15 and 30 years and see the difference in the finance charges over the life of the loan, the benefit of doing a 15 year fixed becomes pretty obvious.

I'd like to close with one of my favorite stories. When NASA first sent astronauts into space, they realized that a ball point pen would not work in zero gravity. A million dollar investment and two years of research resulted in a pen that could write in space on almost any surface and at temperatures ranging from well below freezing to over 300 degrees Celsius. When confronted with the same problem, the Russians used a pencil.

Sometimes we can make things just a little too complicated when the easy side is where we need to stay! My thanks to my former boss at Specialized Bicycle for the gift of a Russian space pen and the story! I had no idea you could buy the Russian Space Pencil.

I recently learned that a good friend of mine and a Frisco staple is on the move. With that comes an unbelievable home for sale. A home that was completely restored years ago and is a landmark of Frisco's past. Just South of downtown Frisco, you can walk to Randy's Steakhouse. Hate to see folks move out of my little small town, but glad to have the positive impact they made in this community. The 2nd home might be a problem for many of you- it is across the street from me. This is the 2nd time that an investor bought this home out of auction- put a renter in it and then let it go into foreclose. Thanks for the value help Mr. Investor, jerk. Be awesome to have a family actually buy and "live" in this home for a change.