Terms of Use

Last updated: November 2026

By using mortgagesbyscott.com, you agree to these terms.

Information only, not an offer to lend

The content on this site, including articles, videos, and calculators, is general information. It is not a commitment to lend, a loan approval, or financial, tax, or legal advice. Every loan is subject to the borrower’s qualifications, the property, and the lender’s underwriting guidelines. Rates, terms, programs, and requirements can change at any time without notice.

Calculators and estimates

Our calculators give estimates based on the numbers you enter and assumptions you can change. Actual payments, costs, rates, and results will differ. Talk with us before making a decision based on a calculator result.

Licensing

Scott Hastings, NMLS #926762, Arbor Financial Group, NMLS #236669. Licensed in NC, SC, FL, GA, VA, AR, IN, MD, MO, MT, NH, NV, and PA. Licensing details are available at www.nmlsconsumeraccess.org. Equal Housing Opportunity.

Your use of the site

Please use the site only for lawful purposes. Don’t try to disrupt it, gain unauthorized access, or copy its content for commercial use without permission.

Content ownership

The text, videos, graphics, and tools on this site belong to Mortgages by Scott or are used with permission.

Third-party links

Links to other websites are provided for convenience. We don’t control and aren’t responsible for their content.

No warranties and limitation of liability

The site is provided “as is.” We work to keep it accurate, but we don’t guarantee that every piece of information is complete or current. To the extent the law allows, we are not liable for any loss that results from using the site or relying on its content.

Privacy

Our Privacy Policy explains how we handle your information.

Governing law

These terms are governed by the laws of North Carolina.

Changes

We may update these terms. Continued use of the site means you accept the current version.

Contact

(704) 890-7168 · scott.hastings@mortgagesbyscott.net

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Scott Hastings, NMLS #926762
Arbor Financial, NMLS #236669
Licensed in NC, SC, FL, GA, VA, AR, IN, MD, MO, MT, NH, NV, PA
Equal Housing Lender. All loans subject to credit and property approval.
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