Scott Sears

I have been in the mortgage industry for over 30 years; this is my passion and I have the experience to get things done. My organizational skills and persistence enable me to solve unique problems for clients. If you are wondering if you qualify for a loan, if a specific situation applies to you, or if there is some way you can get a home with x, y, and z, I know that I can help give you the answer.

I specialize in FHA loans, VA loans, Conventional loans, USDA loans, Jumbo loans, Manufactured homes (single and double wide), Rate & Term refinances and Cash out Refinances. I also specialize in working with first-time homebuyers and I make sure my first-time homebuyers understand the process and have the confidence and knowledge to move forward. I also work with banks that offer Portfolio Products such as non-warrantable condos, Bank Statement loans, Asset Qualification loans, and Investor cash-flow only loans.

There are many reasons to use me as your lender, but the number one reason to use me is that I always answer my phone and I am committed to getting your loan to the finish line. I answer evenings, weekends and return messages ASAP. My positive reviews on Zillow are evidence that I am the best choice for your home purchase or refinance. Even if you are just starting to shop around, I can provide you with a prequalification letter, even on weekends, so that you can put a contract on the home you want.

I know times are tough right now, so, with much gratitude, I am offering to pay for your appraisal (purchase or refinance) to help reduce some of your closing costs. This special is good until May 2023. *Buyer must mentioned this ad for a discount*

I am here to answer any questions you might have about our loan products and services. Feel free to contact me using any of the following methods: [email protected], 713-202-5947.