Financier$ Mortgage Group - License#236854

03/31/2026

Let's go one step further - REFUSE TO USE THEIR LENDER! If you use their lender you have no one on your side other than your inspector. An outside lender won't allow them to bully you into closing before the house is 100% complete.

Now let's go one further step further - Don't buy from the big box lenders! If you must live in their neighborhood then buy from someone who bought last year. Now you can see the issues with the house (still get an inspection) and require the Seller to fix the issues.

At the moment there is not one tract builder in the DFW area I'd trust to build my own home.

02/25/2026

If it's this good for your dog, think of how good it is for your kids!!!

It's faster, easier and cheaper to buy a home than you think. It could be about the same amount as that first and last month's plus security deposit you have to put down to rent.

You've just been handed the biggest tax cut in history so have you changed your payroll deductions to give you that extra cash in your pocket every paycheck?

+ Interest rates are a full percent less than this time last year.

Give us a call and we'll get you started.

David (469)371-0226
Debbie (469)371-0227

02/22/2026

Some people wonder why I've said there's not a builder in the DFW area I'd trust to build my own home except a high end custom builder. Well let me show you this right here.

Inspections are very important!!

02/20/2026

They always say Dallas, but it's all of DFW.

This is good news if you are selling but bad if you are buying. Increased competition for homes means higher prices.

Notice that Houston's traffic is finally catching up with it.

02/20/2026

Learn something today.

The way houses are being built tighter has changed how certain parts must be built. Do you know what to look for?

02/18/2026

LET’S TALK #4
So far we’ve talked about all the different monies you can make simply by living in your own home, and about how dumb we were so that we can keep you from making the same dumb misteaks we so, now let’s start to think of your home as not just a place to stay, but also a Bank account. It’s more of a Savings account, not a checking account.

You can access that money without having to sell, but you wouldn’t want to do that on a daily basis. Texas only allows you to borrow up to 80% of your homes value which always leaves you a cushion. Some states allow you to borrow up to 125% of your homes value by use of a credit card. Those are the states that have had crashes where people lost all their money and their homes. Plus if you did that there’d be nothing left to buy your next home.

But if you truly need cash from your home it’s a relatively simple process. You can do a Cash Out refinance. If you needed $20,000 or less you’d go to a local bank, but if you needed more money or wanted to lower your house payments, you’d come to F$ where rates would be much lower with lower costs and better terms than a bank/credit union.

The way rates have been coming down lately, and it looks like that will continue for the next little while, if you didn’t want any money from your home but would like to lower your monthly payment, you may be able to lower your rate and preserve your equity. It’s a simple process.

If you’d like to read all the LET’S TALK simply go to our FINANCIERS MORTGAGE page.

*CREDENTIALS: we’ve been in business for 42 years with zero reports & zero unresolved complaints. Both Debbie & David were Realtors for 10 years. David was a Training Director for the world’s largest real estate company for 5 years and has been a Certified Real Estate Appraiser. Debbie has also worked for a Title company attorney. All this means we have the depth of experience to help you in all aspect of your home purchase

02/17/2026

As you can see qualifying for a home is getting easier with more relief expected in the next few months until the summertime blitz raises prices and rates slightly.

So the take away is BUY NOW!!! Don't wait.

Buying a home is faster, easier and cheaper than you think

David (469)371-0226
Debbie (469)371-0227

02/14/2026

This was posted today by a friend of mine - Dave Dopp Sr. He retired from many years in the back end of mortgages.

"Foreclosure bloodbath deepens as banks seize 40,000 homes - and the pain is only beginning"

Apparently, today is "let's yank Mr. Dave Dopp's statistics chain" day! The above headline is from this morning's Daily Mail, a UK newspaper that often comments on the American markets.
What's wrong with the headline? Well, yes foreclosures are up compared to last year - in fact, compared to the last several years. However, foreclosures have been running at historically low levels for several years.

40,000 homes were not seized at all. What happened is that 40,000 mortgagees were notified they were in default due to missing payments and if they don't catchup their home will be seized. So, the procedure is: a notice of late payment when you miss the first payment, a second notice when you miss the second payment, a notice of default when you miss the third payment, seizure and sale of the property if there is no payment or plan to repay by the fourth payment. (Some lenders use a different process but in general there is no seizure without significant default.)

Is 40,000 a bloodbath? I hardly think it is. there are about 96 million homes (1-4 family) in the US. There are about 14 million additional apartment type homes.

Assuming just the 1-4 family homes are the subject of the article, those 40,000 homes represent 0.04 percent of the housing stock! Even better - the actual number of homes seized and sold for December was 5,950 and for January, 4,710. Hardly a bloodbath!

The old newspaper saw about where to place stories is "If it bleeds, it leads" is alive and well. Sadly, most media outlets today will do their best to throw blood on a story that doesn't exist.

Is there any truth out there in the media? Damn little no matter if it's right wing, left wing, Republican, Democrat, MAGA wingnut, Anti-Trump raving maniac - it's all lies, distortions and half-truths at best."

Which kinda proves the point that the "Real Media" is the fake news and Social Media is where you can find the truth and nuances.

You are supposed to believe that the Real Media is telling the truth so you don't question it and therefore they can lead you around by your nose.

With Social Media you know some of it is false so you question and dig and low and behold the truth is right before your eyes. And it seldom matches what the media is telling you.

The difference is in the presumption. QUESTION EVERYTHING!

Call now to connect with business.

02/14/2026

02/11/2026

And once you sign all that work goes to the warranty department which will fix no more than half plus require multiple visits when it's the most inconvenient.

NEVER SIGN UNTIL ALL THE WORK IS DONE. It's amazing how fast they'll fix it to get your money and how long it will take if you sign and depend upon warranty.

With a builder it is IMPERATIVE that you have someone on your side of the transaction, because the Builder's lender works for them not you.