David Falk

  • Loan Officer
  • NMLS: 214610
  • (972) 612-4848
  • (214) 502-2536
  • (972) 596-8046
  • 5501 Independence Pkwy, Ste 102
  • Plano, TX 75023
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Welcome to my website

My name is David, and I am a senior loan officer in the Plano office.  The mindset at HomeTrust Mortgage is centered around how can we help our clients achieve their dreams of homeownership and then work together to make that happen for our clients.  Working at HomeTrust Mortgage reminds me of family.  The people at HomeTrust are wonderful and are some of the most professional people I've ever had a chance to work with.

I started with Murray Savings bank in the 1980s, which emphasized permanent financing for the new homes being built by the builders that were offered construction loans by the Savings & Loan.  I moved on to account executive with Citicorp Mortgage but missed dealing directly with the customer, so I moved back to the retail side of the market.  I have been with HomeTrust Mortgage for the past 14 years serving the public in making their dreams of homeownership come true.

I grew up in a small town in Utah and graduated from Brigham Young University with a finance major and a minor in both marketing and economics.  I moved to Texas in 1982.  I am the proud dad of 7 kids, including 2 sets of twins, and the grandad to 14 children.  I stay busy between family and work, but when there’s time to get away, I enjoy golfing, beach vacations and snow skiing.

Mortgage Partnership: The Power of Co-Signing on a Mortgage
Mortgage Partnership: The Power of Co-Signing on a Mortgage
Feb 28 2024   first time buyer first home first mortgage home loan apply for a first home loan
If you're exploring the world of mortgages, you might have come across the term "co-signing" at some point. But what does it really mean, and how does it work? As your local mortgage pro, let me guide you through the ins and outs of co-signing on a... Read More
Navigating Home Inspections: A Buyer's Guide to Uncovering Hidden Issues
Navigating Home Inspections: A Buyer's Guide to Uncovering Hidden Issues
Feb 21 2024   first time buyer first home first mortgage home loan apply for a first home loan
Spotting potential problems in a home is crucial for any prospective homebuyer. While a property may seem perfect at first glance, underlying issues may not be immediately apparent. These issues could range from water damage to foundation problems... Read More
Mastering Your Mortgage Journey: The Importance of FICO Score 8
Mastering Your Mortgage Journey: The Importance of FICO Score 8
Feb 14 2024   credit score mortgage rates FICO score qualify for a home loan
Understanding your credit score is crucial, especially when it comes to significant financial decisions like applying for a mortgage. Among the various credit scoring models out there, one of the most widely used is the FICO Score 8. But what exactly... Read More
Navigating the New Norms: 4 Rules for Home Shopping in Today's Market
Navigating the New Norms: 4 Rules for Home Shopping in Today's Market
Feb 7 2024   first time buyer first home first mortgage home loan apply for a first home loan
If you've been holding off on buying a house because of mortgage rates, it might be time to reconsider. Let's break down some of the old rules and what's new in the world of home shopping. First up, forget the notion that mortgage rates are... Read More