What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

David White - Mortgage Loan Officer - NMLS 246871

Home
United States
Southlake, TX
David White - Mortgage Loan Officer - NMLS 246871

Call Directions Website

David White is a licensed Mortgage Originator serving all of Texas. His goal is to educate clients a

At NEO, we exist to empower you with financial literacy and help guide your journey to financial freedom.

11/02/2026

Closing costs catching you off guard? The seller may be able to help pay them.

It's called a seller concession, or a seller credit. The seller agrees to cover part of your costs at closing, so you bring less cash to the table. Here's what to know:

1️⃣ What it can pay for: certain closing costs, like lender and title fees, plus prepaid expenses, like property taxes and homeowners insurance. In most cases, it can't go toward your down payment, and it can't come back to you as cash.
2️⃣ There are limits. Each loan program sets its own cap on how much a seller can contribute, and that cap can depend on the purchase price and your down payment. Know your number before you make an offer.
3️⃣ It's a negotiation. The credit gets written into your purchase contract. Say you offer full price and ask for $8,000 toward closing costs. The seller might say yes, might counter or might say no. A lot depends on the market and how long the home has been listed.
4️⃣ Watch the appraisal. Sometimes buyers offer a higher price in exchange for a bigger credit. That can work, but the home still has to appraise at that price.

Have you ever asked a seller to help with closing costs? Tell me in the comments 👇 And if you want help structuring an offer, send me a message or call or text 972-842-9699.

Example is hypothetical and for illustration only; not an offer of credit. Whether a seller credit is allowed, how much it can be and what it can cover depend on loan program, purchase price, down payment, the purchase contract and other qualifications.

David White – NMLS #246871 - NEO Home Loans powered by Better Mortgage Corporation NMLS #330511. Equal Housing Lender. www.nmlsconsumeraccess.org

11/02/2026

If you’re a listing agent, this is one of those updates that is worth saving before your next listing appointment.

Appraisal reporting is becoming more structured, which means the way property details are documented matters even more.

That includes things like how renovations are described, how finished basement space is reported, whether an ADU is clearly identified, how additions are documented, and how condition ratings are understood.

Here's the obvious takeaway here: Clearer listing information can help create fewer questions later.

If a home has been renovated, it may help to document what was updated and when. If there is finished space below grade, an accessory dwelling unit, or a later addition, those details are worth describing carefully and accurately.

The cleaner the property story is from the beginning, the easier it is for everyone involved to understand what is actually being evaluated.

PS - Save this for your next listing prep, or send it to an agent who would find it useful.

11/01/2026

Should you buy now or wait for lower rates? Here's how I'd look at it.

There's no guarantee rates are going to come down, so if your whole plan depends on rates dropping, you're kind of betting on something nobody can promise.

In this video:
• Why nobody can promise where rates go (and how the average 30-year rate compares with a year ago, according to Freddie Mac)
• Why I'd treat refinancing later as a maybe, not a plan
• What doesn't change after you buy: the price you paid, and how the median home price compares with a year ago, according to the National Association of Realtors
• What I see with clients who waited
• What one study reported by Realtor.com found when it looked back at 2000 through 2022, including the years when prices fell
• Why I think it's less about a bad time to buy and more about a bad time to sell
• What I'd look at first: your monthly payment, how long you plan to stay, and your credit and savings

If you can afford the payment and you're going to be in the house for about five to six years, purchasing may come out better. But if you might move sooner than that, or the payment would stretch you too thin, waiting may be the right call. It really depends on your short and long-term goals, and ultimately it's your decision.

Are you waiting on rates right now, or are you thinking about buying now? Let me know in the comments.

If you want to see what buying now versus waiting looks like for you, reach out. Call or text me at 972-842-9699, or book a quick Zoom meeting with me at bit.ly/HomePurchaseConsultation.

Sources: Freddie Mac Primary Mortgage Market Survey (PMMS), national averages as of October 29, 2026; National Association of Realtors, existing-home sales, September 2026; study reported by Realtor.com, 2000-2022.

David White – NMLS #246871 - NEO Home Loans powered by Better Mortgage Corporation NMLS #330511. Equal Housing Lender. www.nmlsconsumeraccess.org

For educational purposes only.

BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. The Better Home Logo is Registered in the U.S. Patent and Trademark Office. © 2026 Better Home & Finance Holding Company and/or its affiliates. Better is a family of companies. Better Mortgage Corporation provides home loans: Better Real Estate, LLC and Better Real Estate California Inc License #02164055 provides real estate services; Better Cover, LLC sells insurance products; and Better Settlement Services provides title insurance services; and Better Inspect, LLC provides home inspection services. All rights reserved. Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 1 World Trade Center, Floor 80, New York, NY 10007. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access - https://www.nmlsconsumeraccess.org/entitydetails.aspx/COMPANY/330511

10/30/2026

A home can look completely different at 2:00 on a Saturday afternoon than it does at 7:30 on a Tuesday night.

Before getting emotionally attached to a property, spend a little time understanding what daily life there may actually feel like.

Drive the streets at different times.
Listen for traffic and other noise.
Test the commute you’ll actually make.
Look into HOA rules if there is one.
Review property taxes, insurance considerations, and other ownership costs that could affect your monthly comfort.

And if something about the surrounding area matters to you, research it using reliable public sources and your own firsthand experience.

Your Realtor and Mortgage Advisor can help you understand the parts of the decision that fall within our roles, but some questions are best answered by doing your own homework and deciding what matters to you personally.

A house can check every box on paper and still not be the right fit for the life you want to live there.

The goal isn’t simply finding a home you can buy.

It’s making a decision you’ll still feel good about after the boxes are unpacked.

10/30/2026

Should you get a 15-year or 30-year mortgage? 🤔

A 15-year usually means a higher monthly payment but less interest over the life of the loan. A 30-year usually means a lower payment and more flexibility. The right fit depends on your income, your savings and what else you want your money doing.

Want me to run your real numbers side by side? Call or text 972-842-9699 or book a quick Zoom: bit.ly/HomePurchaseConsultation

David White – NMLS #246871 - NEO Home Loans powered by Better Mortgage Corporation NMLS #330511. Equal Housing Lender. www.nmlsconsumeraccess.org

10/29/2026

Your parents want to help you buy your first home. That's amazing! 🎁 But can you actually use that money for your down payment?

In many cases, yes. Many loan programs allow eligible gift funds from family members or other approved sources to help cover some or all of your down payment. But there are a few rules to know, so the gift doesn't slow down your closing:

✅ Who it's from matters. Family members like parents, grandparents or siblings are the most common source. Some programs allow other approved donors too, and the rules vary by loan program.

✅ You'll usually need a gift letter. It's a simple signed letter that says who's giving the money, how much, their relationship to you and, most importantly, that it's a true gift, not a loan.

✅ Keep a clean paper trail. Skip the cash, use a check or a wire transfer, and keep the statements. Say your parents give you $15,000. Your lender may ask for the gift letter, proof it left their account and proof it landed in yours.

✅ Talk to your lender before the money moves. Timing matters, and depending on the loan program and the type of property, you may need to put in some of your own funds too.

Is someone in your family helping you buy a home? Tell me in the comments 👇 And if you want help structuring that gift the right way, send me a message or call or text 972-842-9699.

The $15,000 example is hypothetical and for illustration only. This is not an offer of credit. Gift fund rules, documentation and own-funds requirements vary by loan program, property type and other qualifications.

David White – NMLS #246871 - NEO Home Loans powered by Better Mortgage Corporation NMLS #330511. Equal Housing Lender. www.nmlsconsumeraccess.org

BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. The Better Home Logo is Registered in the U.S. Patent and Trademark Office. © 2026 Better Home & Finance Holding Company and/or its affiliates. Better is a family of companies. Better Mortgage Corporation provides home loans: Better Real Estate, LLC and Better Real Estate California Inc License #02164055 provides real estate services; Better Cover, LLC sells insurance products; and Better Settlement Services provides title insurance services; and Better Inspect, LLC provides home inspection services. All rights reserved. Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 1 World Trade Center, Floor 80, New York, NY 10007. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access - https://www.nmlsconsumeraccess.org/entitydetails.aspx/COMPANY/330511

10/28/2026

A growing family can change the way you think about home.

Maybe an extra bedroom matters more now.
Maybe the layout feels tighter than it used to.
Or maybe you’re simply starting to wonder whether your current home still fits the next chapter.

Before making a move, it can help to look beyond how much home you may qualify for and think about monthly comfort, savings, future expenses, and how long you expect the next home to serve you.

More space can be exciting.

The right amount of financial flexibility matters too.

10/27/2026

15-year or 30-year mortgage? The loan that saves you the most money isn't always the right one for you.

Let's put numbers on it with a hypothetical $300,000 loan:
• 30-year at 6%: about $1,800 a month in principal and interest
• 15-year at 5.25%: about $2,400 a month in principal and interest

That's roughly $600 more every month. But in this example, the 15-year saves over $200,000 in interest over the life of the loan.

So why doesn't everyone take the 15-year? Because that extra $600 has to come from somewhere, like your emergency fund, your retirement, your kids' college savings or money for your next property. A payment that stretches you too thin can turn a "smart" loan into a stressful one.

There's also a strategy a lot of my clients like: take the 30-year for the lower required payment, then pay extra toward principal when you can. You won't get the 15-year's lower rate, but you can cut years and interest off the loan and still have the flexibility to pay less in a tight month.

The right answer depends on your income, your savings and what else you want your money doing.

Which one would you pick? Tell me in the comments 👇 And if you want me to run your real numbers side by side, send me a message or call or text 972-842-9699.

Example is hypothetical and for illustration only. These are not current rates, a quote or an offer of credit. Your rate, payment and savings depend on your loan program, credit, property and other qualifications.

David White – NMLS #246871 - NEO Home Loans powered by Better Mortgage Corporation NMLS #330511. Equal Housing Lender. www.nmlsconsumeraccess.org

BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. The Better Home Logo is Registered in the U.S. Patent and Trademark Office. © 2026 Better Home & Finance Holding Company and/or its affiliates. Better is a family of companies. Better Mortgage Corporation provides home loans: Better Real Estate, LLC and Better Real Estate California Inc License #02164055 provides real estate services; Better Cover, LLC sells insurance products; and Better Settlement Services provides title insurance services; and Better Inspect, LLC provides home inspection services. All rights reserved. Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 1 World Trade Center, Floor 80, New York, NY 10007. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access - https://www.nmlsconsumeraccess.org/entitydetails.aspx/COMPANY/330511

10/26/2026

Home equity can be a meaningful part of your financial picture, but having equity does not automatically mean you should use it.

The better conversation starts with what you’re trying to accomplish, how long you plan to stay in the home, what other resources you have available, and how any financing decision could affect your monthly cash flow and future flexibility.

Sometimes the most valuable next step is simply understanding your options before making a move.

10/23/2026

Home equity can create options, but how you access it matters.

A HELOC may offer more flexibility when you want to borrow funds over time, while a cash-out refinance replaces your existing mortgage and can provide a larger lump sum upfront.

The better fit depends on more than the interest rate. Your current mortgage, how much you need, monthly cash flow, repayment preferences, loan costs, and how long you expect to stay in the home can all shape the decision.

Before tapping into equity, it helps to compare the full picture and understand what each option could mean for your longer-term homeownership plans.

Address

2141 Kirkwood Boulevard, Ste 100
Southlake, TX
76092

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19728429699

Website

https://gomaverickteam.com/

Alerts

Be the first to know and let us send you an email when David White - Mortgage Loan Officer - NMLS 246871 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.