Navigating the Home Loan Process with Mortgages by Scott


Are you ready to embark on the journey to homeownership?

Mortgages by Scott, powered by CTR Mortgage Brokers, is here to guide you through the home mortgage process. Our goal is to make sure you are well-prepared and qualified for a mortgage before you start house hunting, ensuring you don’t waste time, money, and effort.

Section 1: The Mortgage Application Process


Step 1: Fill Out an Application Form The first step in your home loan journey is filling out a mortgage application. This application serves as the foundation for your mortgage process, and our team treats pre-qualifications just like actual home loan applications.

Step 2: Review and Recommendation After you’ve submitted your application, our team will review it thoroughly to understand your financial situation. We will then suggest mortgage programs that best suit your needs.

Step 3: Personalized Consultation Expect a call from us to discuss your goals and aspirations for your mortgage. Every borrower’s situation is unique, and we tailor your mortgage to your specific needs.

Step 4: Preparation and Qualification Our aim is to get you qualified without putting any money on the line. We’ll provide you with a “homework” list of items to collect, based on your unique situation. Rest assured, our team will start working immediately so you can focus on your home search.


Section 2: Home Loan Requirements


Feel confident that you have all the necessary home loan requirements in place when you work with us on your next mortgage application.


If you are preparing to apply for a mortgage, you may be wondering what home loan requirements you will need to fulfill before the process can move forward into underwriting. While we can’t always predict all the home loan requirements your bank will request, with nearly two decades of experience in both banking and mortgage applications, we can help you through the process from start to finish.

  • Tax Returns: You’ll typically need your most recent tax return, and possibly, the last few years’ returns.
  • Proof of Income: This includes several months’ worth of pay stubs, demonstrating income sources, including checks and direct deposits. Additional documentation may be needed for other income sources.
  • Other Assets: Details of your assets, such as real estate properties, stocks, bonds, savings, retirement accounts, and more.
  • Job History Information: Banks seek employment stability, so they’ll review your current job situation and job history. We can help even if you’re self-employed or have recently started a business.

Underwriting and Approval Once you’ve gathered the required documents, one or more underwriters will review your application. They may recommend additional documents based on factors like the loan amount. Our team at Mortgages by Scott is ready to assist you throughout this process.

Conclusion: Confidently move forward in your homebuying journey with Mortgages by Scott. We provide expert guidance and support at every stage of the mortgage process, ensuring you meet home loan requirements and secure the home of your dreams.

Contact Information: Ready to start your home mortgage journey? Contact us at 704-890-7168. We’re based in Charlotte North Carolina, and eager to assist you with your mortgage needs today.

Look What Our New Homeowners Are Saying


-Scott Hastings-

Call Now ButtonCall Now