Helping You Make Confident Mortgage Decisions in Frisco, Texas

Understand the mortgage before you make the move

A mortgage decision involves more than finding a loan that you might qualify for. You also need to understand the down payment, closing costs, monthly payment, and what those commitments mean for your finances after closing. I start by listening to what you're trying to accomplish and what concerns you most. If you're worried about credit, income documentation, or how much cash you'll need, those are things we should discuss early—not leave until you've found a property.

I work alongside my son, Kelham Brown, as a father-and-son mortgage team combining more than three decades of experience with fresh perspective and modern strategy. We built our approach around family, trust, and relationships that extend beyond one transaction. To me, treating you like family means taking your questions seriously, explaining the trade-offs, and being willing to talk through whether a particular move supports your goals rather than simply moving an application forward.

Different situations call for different conversations. A first-time buyer may need a clear explanation of down payment requirements and loan options. A homeowner moving to another property may need to consider available equity, the proposed payment, and the timing of a sale. A self-employed borrower may need a closer look at income documentation before we can identify an appropriate financing path. I don't assume those borrowers need the same mortgage just because they're purchasing similarly priced homes.

I take the same practical approach to refinancing and investment financing. If you already have a low interest rate, we should discuss what you'd be changing, what it would cost, and why you're considering it. For an investor, we can look at whether a debt service coverage ratio, or DSCR, loan fits the rental property and financing goals. My job is to make the choices understandable so you can decide with the relevant information in front of you.

The people and situations I can help

I work best with people who want straight answers and an involved mortgage team. You don't need to arrive knowing which loan to request or whether you're ready to apply. Bring your questions, your plans, and the financial details we need to review; I'll help you understand the next steps without expecting you to speak mortgage terminology.

A clear process, with conversations at every stage

1. 1
   Tell me what you're planning

   We begin with your purchase, refinance, or investment goals, along with your timing and the questions holding you back. You get a conversation focused on your situation, whether you're ready to move now or still deciding what needs to happen first.

2. 2
   Review the financial picture

   We discuss income, credit, available funds, existing obligations, and the documents needed to evaluate your options. You get a clearer understanding of what information matters and where additional explanation or preparation may be needed, especially if you're self-employed or coordinating a sale and purchase.

3. 3
   Compare the financing choices

   I explain relevant loan options, down payment requirements, estimated closing costs, and payment considerations rather than presenting a loan name without context. You get the trade-offs behind the choices, including how a proposed mortgage relates to your current loan or the goals for an investment property.

4. 4
   Build a plan around the transaction

   Once we've identified a direction, we discuss the application, property details, and transaction timing that shape the next steps. You get a practical plan that accounts for the purchase or refinance you're pursuing, with attention to outstanding questions rather than assumptions about approval or closing dates.

5. 5
   Keep the file and communication moving

   As the loan moves through processing and underwriting, I stay involved and help explain requests for information or documentation. You and your real estate agent, when applicable, receive updates so you understand what's happening, what's still needed, and what may affect the timeline.

6. 6
   Understand the closing and what comes after

   As closing approaches, we discuss the loan terms, costs, and remaining steps so you can raise questions before signing. You also have a mortgage contact for future conversations, whether life brings another move, a refinance question, or a potential investment purchase.

Why I work from Frisco

Frisco is my work base, and it's where I bring a local perspective to mortgage conversations. For buyers here, the financing decision needs to connect with the property search: what you can comfortably commit to, what funds you'll need, and how the mortgage fits your plans. My knowledge of the local real estate market helps me put those questions in context, while keeping the focus on your finances rather than assuming that every buyer should approach a purchase the same way.

Working with Frisco clients also means helping people at different stages of homeownership. You may be purchasing for the first time, relocating to Texas, or considering a move from a home you already own. Those situations bring different questions about equity, income documentation, and timing. I draw on local market knowledge and relationships with industry professionals while keeping you and your agent informed about the financing side of the transaction.

I offer face-to-face or virtual consultations, so we can choose a way to connect that works for you. Although Frisco is my base, I'm licensed in Texas and Arizona and can work with clients remotely in those states. Wherever we meet, my approach stays personal: explain the options, discuss the costs, and help you understand the decision before you commit. If you're considering a home or investment-property move, let's start with what you want that move to accomplish.

Frequently Asked

Questions people ask about Dave.