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.

How Do Mortgage Lenders Decide How Much You Can Borrow?
How Do Mortgage Lenders Decide How Much You Can Borrow?
Dec 1 2021   first time buyer first home first mortgage home loan apply for a first home loan
When you apply for a loan, your mortgage lender informs you of the maximum amount you can borrow, and this will help you get an idea of how much house you can afford. The question most buyers ask is how they reach this amount and what factors... Read More
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How Does a Home Improvement Loan Work?
Nov 24 2021   refinance 30 year loan home loan lower mortgage payment
Home renovations can be expensive, and saving up for extensive improvements could take years. Fortunately, you can fast-track your goals with a home improvement loan.  Home improvement loans allow you to use the equity in your home to fund your... Read More
Which One Is Better? An FHA Or Conventional Loan?
Which One Is Better? An FHA Or Conventional Loan?
Nov 17 2021   first time buyer first home first mortgage home loan apply for a first home loan
Dreaming about your first home purchase but still be undecided on whether to choose an FHA loan or conventional loan? While both are popular choices for those looking for a low down payment, some differences may make one loan a better option than the... Read More
How Much Money Do I Need to Buy My First Home?
"How Much Money Do I Need to Buy My First Home?"
Nov 10 2021   first time buyer first home first mortgage home loan apply for a first home loan
Buying a home is one of the most important decisions you can make. Plus, considering current low mortgage rates, homeownership has never been more appealing and affordable.  In this article, we’ll break down how much you need to purchase a... Read More