Self-Employed Mortgage Expert for Business Owners and Entrepreneurs

Strategic financing for entrepreneurs, professionals, and investors who don’t fit traditional bank boxes
Serving from Charlotte & Mooresville, NC • Licensed in NC, SC, FL, GA, VA, AR, IN, NH, MD, MT, NV

BBB A+

Accredited

100+ Five-Star Reviews

★ ★ ★ ★ ★

NMLS

Verified Advisor

20+ Years Serving

Self-Employed & Investors

Solutions for Entrepreneurs

Smart financing for entrepreneurial income.

Jumbo & Luxury Financing

High-value home loans with flexible guidelines for established earners.

30-Year Fixed Mortgage

Stable payments with long-term predictability and competitive rates.

Adjustable-Rate Mortgage

Lower initial rates with flexibility for short- to mid-term homeowners.

FHA Mortgage Financing

Accessible homeownership with lower down payment options.

$0 Down Mortgage Programs

Purchase with little to no upfront cash for qualified buyers.

USDA Rural Financing

Affordable home loans for eligible rural and suburban properties.

VA Mortgage Home Loans

Exclusive benefits for veterans and active-duty service members.

DSCR Loans for Investors

Qualify for financing using the property's income, not your personal income.

1099 Mortgage Options

Flexible mortgage options designed for self-employed and 1099 earners.

Bank Statement Loans

Qualify for financing using the property's income, not your personal income.

Built for complex income – designed for confident decisions

Business owners, 1099 earners, and investors often get stuck in bank guidelines that don’t match how they actually earn. My role is to translate your financial reality into a mortgage strategy that works, without guessing, rushing, or hoping underwriting “figures it out.” Mortgages by Scott helps with strategic financing for entrepreneurs, professionals, and investors who don’t fit traditional bank boxes – especially after a lender says “no.”

Who it’s for

Business owners and entrepreneurs with variable income
1099 earners, consultants, and commission-based professionals
Real estate investors (including DSCR scenarios)
High-income borrowers with multiple entities or write-offs
If traditional lenders have made the process difficult, Scott offers a clear and personalized path forward.
  • Video Thumbnail
    Self-Employed and Denied Again?
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    Self-Employed? Denied After Filing Taxes?
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    Why Self-Employed Buyers Get Denied
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    No Income Verification Mortgages
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    Secrets to Buying a House After Bankruptcy
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    Fha 203k Loans Explained

Why Scott vs a bank

Banks optimize for speed on standard files. I specialize in non-standard income and investor scenarios, structuring the application, documenting correctly, and choosing the right program so your loan closes cleanly.

Rate matters. But approvals and clean closings matter more when your file isn’t cookie-cutter. And, with tools like the MyHomeLoan mobile app, you can manage your mortgage with clarity from application to closing.

Testimonials

Look What Our New Homeowners Are Saying

Scott Hastings, NMLS #926762
Arbor Financial, NMLS #236669
Licensed in NC, SC, FL, GA, VA, AR, IN, NH, MD, MT, NV
Equal Housing Lender. All loans subject to credit and property approval.
Copyright © 2026 Mortgages by Scott - All Rights Reserved.