Are you looking at homes in Scottsdale or the surrounding area? You’re in for one of the best experiences out there for a person to enjoy. Owning your own home is a truly wonderful thing and having your own space for rest and relaxation is one of life’s great joys. At Scout Mortgage, we believe that buying a new home should be a positive experience. How do we ensure that this is the case for our clients, you ask? We make it a point to eliminate unrealistic expectations and last minute surprises, ensuring that you can stay focused on the things that matter.

For nearly two decades, our team has been serving homeowners in Scottsdale with top-notch service that puts the needs of our clients above our own interests. In other words, if you’re looking for the Scottsdale mortgage brokers you can count on to get the job done the right way, look no further. As our name implies, at Scout Mortgage, we strive to be the mortgage lender in Scottsdale that is known for honesty and integrity. It’s as simple as that.

There’s nothing quite like beginning the journey of searching for a home. For some people, it starts with driving around in neighborhoods that they like, looking to find homes for sale, and grabbing a brochure. Others prefer to call a local realtor and come in for a meeting in the hopes that the realtor will be able to find them the perfect home. Some–perhaps the majority these days–start their search online and browse through several homes looking at pictures and then scheduling a showing so they can see the homes they liked in person.

However you prefer to do things, it’s always a wise decision to start the process with a mortgage lender as early as possible. Depending on the housing market, some houses don’t stay available for very long. That’s why it’s a good idea to get approved for a loan at the beginning. It is much more attractive for a seller to see potential buyers who have been pre-qualified for a loan because the seller knows that the people making an offer are serious. In other words, it’s beneficial for the seller and the buyer alike.

If you are buying a home, it’s good to have an estimate of how much of a loan you can be approved for. For example, when you apply for a mortgage loan with us in Scottsdale, we’ll have you fill out a loan application where we can assess your debt-to-income ratio, credit history, and other financial assets you may have. This allows us to get a more complete picture of your financial situation and it allows us to provide you with a loan amount that you’re likely to get. From there, you can start looking at homes and know whether or not they are in your budget, saving you time and money in the process.

“How Can I Get a Mortgage Loan Started?”

As we mentioned above, it’s never a bad idea to get pre-qualified for a mortgage loan. In many instances, you’ll need to provide us with your current gross income, minimum payments on any debt that you currently have, two years worth of employment history, two years worth of addresses where you have resided, what your down payment will look like, how much you anticipate spending on a new home, and what you’d like your monthly mortgage payments to look like.

This can seem like quite a bit of information, but trust us when we say that the info you provide will be the key into helping you find the right home and being able to enjoy comfortable payments on that home.

“What Do I Need to Know About Closing Costs?”

Some common closing costs include loan costs (such as origination fees, discount points, or credit reports), other costs such as property taxes and HOA transfers, and lender credits that can be issued in exchange for the borrower taking a higher interest rate.

We know that all of this can be confusing, but the good news is that the team at Scout Mortgage would be glad to answer any questions you have to make sure that you are fully confident in your decision to work with us. At the end of the day, our goal is to help you make the right choices for you and your family. If you are curious about anything at any step of the way, just ask, because we’d be glad to provide you with the information you need to understand exactly what is going on.

Additionally, you may know that a lower interest rate means a higher overall cost on your loan, whereas a higher interest rate means a lower loan cost. There is not an exact science to deciding what the right option is for you, but taking into account a number of different factors and making your decision is much easier with the help of one of the Loan Originators at Scout Mortgage. As we mentioned above, we’re always here to help!

At Scout Mortgages, we know mortgages inside and out. This might seem obvious given the fact that the very word mortgage is in our name, but you would be surprised at how many horror stories we’ve heard from people who had a bad experience elsewhere and then came to us. The truth of the matter is that not all mortgage lenders are created equally and at Scout Mortgage, we strive to be the best of the best in order to make certain that you are well taken care of from the moment you contact us until the moment you get the keys to your new home. It’s as simple as that.

Of course we pride ourselves on being as helpful as possible along the way! Each and every member of our team is dedicated to providing our clients with information that is upfront and easy to understand. We know that you don’t likely deal with mortgage rates for a living; we do and we’re here to help.

That’s why we don’t deal in high pressure tactics. Our goal isn’t to “make the sale” or “close the deal.” The truth of the matter is that we work for you. We appreciate your business and we’ll go above and beyond to keep your interests at the forefront of your experience. We strive to be timely, courteous, and most of all knowledgeable to ensure that the experience you have with us is stress-free from beginning to end. That’s just how we like to do things!

Here For You Every Step of the Way

If you’ve purchased a home before, you know that it can often feel like a bit of a rollercoaster ride. Once your offer is in, there are a number of deadlines to meet. From home inspections to property valuation and everything in between, there is certainly no shortage of things that need to be done–and that might be putting it mildly.

That’s why it’s so important to have a good mortgage broker to help you through the process. We know exactly how the process works, ensuring that you always have someone to turn to with questions. Our team likes to pride itself on our ability to keep our clients in the loop. We mentioned it before, but it bears repeating–we are here to work for you and make sure your needs are met. What that means is that a member of our team will remain in contact with you throughout the process to help keep things on track and make sure everything that needs to get done gets done right.

Maybe you’ve never purchased a home before and you have no idea what to expect. It will all likely feel a little bit overwhelming–ask anyone who has purchased a home before!–but you know that you’ll always have us in your corner to make sure things go smoothly.

You Have Questions. We Have Answers!

“Is it possible to lock in your interest rate?” “Do I need to have a minimum down payment?” “What if I’m able to get a lower interest rate after I close on my home?” “Should I consider making bi-weekly payments or is it even worth it?”

These are all great questions to have and we’ve tackled these and a handful of other commonly asked questions over on our FAQ page. Our goal is to make this process as easy as possible for you and ensure that you’re able to truly understand what’s going on every step of the way.

Of course we’re also here to chat with you at any time! Simply contact us with any questions you may have or if you’re ready to utilize Scout Mortgage as your Scottsdale mortgage brokers. We strive to make things simple, but we’d invite you to put us to the test. Give us a call to see what your mortgage payment could look like, but feel free to shop for a mortgage as well. We recommend comparing the itemized loan closing costs from the different mortgage lenders you are considering before making your final decision. This is challenging at times because it’s common to hear the same costs referred to differently. Be sure to ask plenty of questions and weigh everything out for yourself. We’ll be here to help you out along the way!

At Scout Mortgage, we want to make shopping for a mortgage simple to understand. That is why we’re proud to offer a dedicated and experienced mortgage pro who can provide you with options that make sense for your unique situation. We’ve been in business for nearly two decades and in that time we have worked hard to be the best at what we do.

Our approval process is seamless to navigate and stress-free for our clients and we can complete the entire process in as few as 21 days from start to finish. We even bring the final loan documents to you when they are ready to be signed! It doesn’t get much better than that.

Since we opened, we’ve helped thousands of our clients to purchase their houses. Of course sometimes it’s best to hear about the experience that real people have had with mortgage lenders before making your decision.

Here’s what a few of those people had to say:

“I am extremely happy and impressed by the team at Scout Mortgage. Sandy and Scott were very professional and got my loan to close quickly and with no hassles. I received a better rate and terms, and less money to close than with competitor. I’d highly recommend Scout Mortgage to friends and family, and will use them again in the future with refinance perhaps.” -Jonathan

“Excellent service, fast close! Exceptional people! Made my first home purchase a fun and memorable experience!” -Steven

“It was a pleasure working with [Scout Mortgage]. As a first time home buyer, these gentlemen made the process less complicated and efficient. [Their team] was quick to follow through and bend backwards to help me receive the best loan possible; in fact one that is unheard of usually. Thank you again for helping me and being professional and polite along the way.” -Jennalee

If you do a quick search, you’ll find reviews like these across the board. As a matter of fact, as of the time of this writing, we have a 5-star rating on Facebook, 4.9 stars on Google, and 4.5 stars on Yelp, just to name a few! That’s not even to mention the A+ rating we have with the Better Business Bureau! In short, you can count on us to take great care of you whether you’re a first time homebuyer or you’ve been through the process in the past.

Reach Out To The Expert Mortgage Brokers at Scout Mortgage Today

At Scout Mortgage, we don’t have loan officers that work on commission. Instead, we have friendly brokers who want to help you do what’s best for you. We strive to provide the lowest rates possible in order to ensure that that’s exactly what we do.

We know how difficult the home buying process can feel, and this is true whether this is your first time or you’ve purchased other homes in the past. Either way, the team of mortgage experts at Scout Mortgage would love nothing more than to help walk you through the process. Contact us today to get started. We look forward to hearing from you!

Back to Top