North Carolina has become a hub for entrepreneurs, freelancers, and small business owners—but for many self-employed buyers, the mortgage process is anything but straightforward. At Mortgages by Scott, we specialize in helping self-employed individuals across NC qualify for home loans without the roadblocks that come with traditional lending.
Whether you’re a tech founder in Charlotte, a creative professional in Asheville, or a contractor in Raleigh, being self-employed gives you freedom—but it can also complicate the mortgage process. Deductions, seasonal income, or fluctuating revenue streams often make it difficult to qualify through conventional channels.
We provide loan options built around your financial reality, not just your tax forms. With years of experience working with North Carolina buyers, we understand what it takes to help you secure financing that makes sense.
Perfect for small business owners and freelancers, these loans use your monthly deposits to show income—no tax returns required.
Got significant savings or investments? Use your assets as income for qualification, even if your monthly income is unpredictable.
These loans are built for borrowers who don’t fit inside conventional guidelines due to unique income, higher debt ratios, or credit history.
Applying for a mortgage as a self-employed buyer often means collecting extra documentation. We’ll guide you every step of the way to help streamline what you’ll need, including:
We’re here to simplify the process and get it done right.
With deep roots in Charlotte and a license to serve buyers statewide, we know the ins and outs of North Carolina’s real estate market. From fast-growing suburbs and college towns to rural properties and resort areas, we help you navigate local lending conditions while offering programs that match your income structure.
We’ll help you get pre-approved and explore all your options.
Looking for something else? Explore our full suite of home loans:
Chuck Mathewson21. November, 2023Trustindex verifies that the original source of the review is Google. I discovered the best mortgage broker in Charlotte, NC, and his name is Scott Hastings! He didn't just get me an excellent rate; his professionalism and customer service were absolutely top-notch Melissa Worley15. September, 2023Trustindex verifies that the original source of the review is Google. Scott is wonderful. He is very knowledgeable and helpful. Great guy to work with for a mortgage. Andrew Wilkinson18. July, 2023Trustindex verifies that the original source of the review is Google. Scott was great! the whole process was quick and easy. Communication was great between scott and me . There were no surprises. Scott got my payment where i needed it to be. I couldn't be happier with the end result. Sydney Miller10. July, 2023Trustindex verifies that the original source of the review is Google. Scott was extremely accommodating and patient with me through the home buying and mortgage process. He took extra steps to ensure I understood the process. Shannon Brockley Burk25. May, 2023Trustindex verifies that the original source of the review is Google. Scott made buying a home and understanding our mortgage so easy! He was so personable and took the time to explain everything to us in full detail. He even made videos to walk us through things we had questions about! For first time homebuyers, this was so incredibly helpful for us. He was there for us every step of the way. I would HIGHLY recommend working with Scott! L Parsons11. May, 2023Trustindex verifies that the original source of the review is Google. Great experience working with Scott. Responsive, knowledgeable and driven to close for the client. John Artz6. March, 2023Trustindex verifies that the original source of the review is Google. The process was smooth and I was able to get a great rate for my new home. If I had a question Scott would respond quickly so that I would understand the process as we moved along. John Kissena P27. February, 2023Trustindex verifies that the original source of the review is Google. Scott Hastings provided 5 star service! I have used his services many times. Each time I've had a wonderful experience. From start to finish the process went smoothly. Scott Hastings is my go to person for all things mortgage and loan related! Anne Blackwell27. February, 2023Trustindex verifies that the original source of the review is Google. I tell everyone that scott and his team works miracles! He gets the impossible done. And I’ll never forget what he did for us !! Bryce “Southern Racer” Seales27. February, 2023Trustindex verifies that the original source of the review is Google. Smooth easy process, no issues
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