Business Details
Your Trusted Charlotte Mortgage Broker
Mortgages by Scott is a locally owned and operated mortgage brokerage dedicated to providing personalized home financing solutions. With over two decades of experience in the mortgage industry, our team specializes in helping self-employed entrepreneurs, affluent buyers, and families navigate the complexities of home loans. We offer a wide range of mortgage products tailored to meet individual financial circumstances, including conventional, FHA, VA, USDA, jumbo, and specialized programs for non-traditional income scenarios.Our approach eliminates bureaucratic hurdles through direct client consultation and customized lending strategies. As a Charlotte native and East Carolina University graduate, Scott Hastings brings deep community knowledge and a commitment to simplifying the mortgage process. Our proprietary MyHomeLoan mobile app empowers clients with real-time access to their mortgage information, while our advisory approach ensures every client receives expert guidance aligned with their unique goals.
Services
Mortgage Brokerage
VA Loans
FHA Loans
Jumbo Loans
USDA Loans
Self-Employed Mortgages
Refinance Services
First-Time Buyer Programs
Pre-Approval Process
Credit Improvement Guidance
Highlights and features
- 20+ years of mortgage industry experience
- Specialized programs for self-employed borrowers
- Proprietary mobile app for mortgage management
- Advisory approach to tailored lending solutions
- Serving clients across eight southeastern states
What people say
Top-notch service
Smooth process
Great rate
Excellent communication
Personalized approach
Services
Mortgage Brokerage
Mortgages by Scott provides comprehensive mortgage brokerage services with access to multiple lending programs. Our Charlotte-based team helps clients secure financing for primary residences, investment properties, and second homes. We specialize in navigating complex income scenarios for self-employed borrowers while maintaining strict compliance with federal lending regulations.
VA Loans
We offer specialized VA loan programs for eligible military personnel and veterans. Our process includes complete documentation review, entitlement verification, and rate optimization while ensuring compliance with Department of Veterans Affairs requirements. This service helps clients maximize their VA loan benefits with minimal out-of-pocket costs.
Self-Employed Mortgages
Our self-employed mortgage solutions cater to entrepreneurs and business owners. We analyze alternative income documentation methods, including bank statements and profit/loss statements, to verify repayment ability. This service addresses unique challenges faced by self-employed individuals seeking traditional mortgage financing.
Refinance Services
We provide rate-and-term and cash-out refinance options to help homeowners reduce monthly payments or access equity. Our process includes current loan analysis, break-even point calculation, and customized rate lock strategies to ensure optimal financial outcomes for clients.
First-Time Buyer Programs
Our first-time homebuyer services include down payment assistance program guidance, credit requirement education, and mortgage readiness planning. We offer specialized $0 down USDA loan options and provide comprehensive support throughout the entire purchase process.
People
Scott Hastings
Licensed Mortgage Loan Originator
Scott Hastings has over 20 years of mortgage industry experience, previously working with major banks and local lenders. He founded Mortgages by Scott to provide personalized lending solutions, specializing in self-employed mortgages and complex financing scenarios. A Charlotte native, Scott combines local market expertise with national lending resources.
Questions
What mortgage loan types do you offer?
We offer 30-year fixed, adjustable-rate, FHA, VA, USDA, jumbo loans, and specialized programs for self-employed borrowers. Our diverse product suite accommodates various financial situations and property types.
How do you assist self-employed borrowers?
We use alternative income verification methods like bank statements and profit/loss statements. Our expertise helps self-employed clients navigate unique challenges in mortgage qualification while maintaining compliance with lending standards.
Which states do you service?
We provide mortgage services in North Carolina, South Carolina, Florida, Georgia, Virginia, Arkansas, Indiana, and New Hampshire, supporting both primary residences and investment properties across these markets.
What is your pre-approval process?
Our pre-approval process includes financial assessment, credit evaluation, and income verification. We provide clear guidance on loan options and help clients understand their purchasing power before house hunting begins.
How can I check mortgage rates?
Contact us directly for personalized rate quotes. We offer competitive rates across all loan programs and provide rate lock options to protect against market fluctuations during the loan process.
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