Smart Loans. Straight Answers. Real Results
— with Craig Scott
From first consultation to final approval, we streamline your path to homeownership with smart solutions that fit your life.
OUR MISSION
To simplify the mortgage process and help every client secure lasting financial confidence.
"My life changed forever"
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"Highly recommend this"
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"Highly recommend this"
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Craig Scott
Mortgage Broker | USNA Graduate | Navy Veteran
NMLS # 2650008
Craig Scott is a proud U.S. Navy veteran and graduate of the Naval Academy who brings the same discipline, integrity, and commitment to excellence to every client he serves. With deep expertise in mortgage lending and a passion for helping families achieve homeownership, Craig provides clear, honest guidance through every step of the loan process. His mission is simple: to help you make confident financial decisions and secure the right loan for your goals.
Explore the Loan Options That Fit Your Goals
From first-time homebuyers to seasoned investors, find flexible mortgage programs designed to match your needs and lifestyle.
30-Year Fixed Mortgage
This loan type is ideal for homeowners seeking consistency and lower monthly payments over time, making it one of the most popular options for first-time buyers and families planning to stay in their home for years to come.
15-Year Fixed Mortgage
A 15-year fixed-rate mortgage allows you to pay off your home faster while saving thousands in interest over the life of the loan. It’s perfect for those with steady income who want to build equity quickly and enjoy financial freedom sooner.
Adjustable Rate Mortgage (ARM)
An Adjustable Rate Mortgage offers lower initial interest rates compared to fixed-rate loans, which can mean significant savings in the early years. Over time, your rate adjusts based on market conditions—great for buyers who plan to move or refinance within a few years.
FHA Loans
Backed by the Federal Housing Administration, FHA loans are designed to make homeownership more accessible. With lower down payment requirements and flexible credit guidelines, this option helps first-time homebuyers and those with limited savings achieve their dream of owning a home.
VA Loans
Available to eligible veterans, active-duty service members, and their families, VA loans offer powerful benefits including zero down payment and no private mortgage insurance (PMI). It’s one of the best ways to finance a home while honoring your service to the nation.
Jumbo Loans
For luxury homes or high-cost areas where traditional loan limits don’t apply, a Jumbo Loan provides the financing flexibility you need. Enjoy competitive rates and personalized options tailored for larger loan amounts and premium properties.
203K Loans
The FHA 203(k) loan lets you finance both the purchase and renovation of a home under a single mortgage. It’s a great solution for buyers who see potential in fixer-uppers and want to customize their property from day one.
USDA Loans
Designed for rural and suburban buyers, USDA loans offer zero down payment and reduced mortgage insurance costs. If your desired home is in an eligible area, this loan can make homeownership more affordable than ever.
Reverse Mortgage
A reverse mortgage allows homeowners aged 62 or older to convert part of their home’s equity into cash—without selling or moving out. It’s an effective way to supplement retirement income, cover expenses, or enjoy greater financial flexibility in your later years.
3 Simple Steps
Effortless Process, Continous Service
O1.
Choose a plan
Complete our quick and secure online application. It only takes a few minutes, and you’ll instantly be connected with one of our loan specialists to review your options.
O2.
Make an offer
Our team will review your information and provide a personalized pre-qualification—no obligation required. You’ll see what loan amount and terms you qualify for before moving forward.
O3.
Get the loan
Complete our quick and secure online application. It only takes a few minutes, and you’ll instantly be connected with one of our loan specialists to review your options.
Ready to begin? Click “Apply Now” to start your approval in minutes.
Resources
Mortgage Calculator
Estimate your monthly payments and total interest to see what fits your budget.
Frequently Asked Questions
We understand the mortgage process can feel overwhelming, so we’ve simplified the answers you need most.
What does it mean to work with Craig?
It means working directly with a dedicated mortgage professional who guides you from application to closing—making sure your loan process is smooth, transparent, and stress-free.
How do I know which mortgage type is right for me?
Craig helps you compare loan options like FHA, VA, and conventional loans to find the best fit for your credit, income, and long-term goals.
How much do I need for a down payment?
It depends on your loan program—some require as little as 3%, and certain buyers may even qualify for zero-down options. Craig can show you what’s possible.
What credit score do I need to qualify for a mortgage?
Most lenders look for a credit score of 620 or higher, but Craig works with multiple programs that can help buyers with less-than-perfect credit.
How long does it take to close on a home loan?
With Craig’s streamlined process and direct communication, most loans close in 21–30 days or sooner, depending on your readiness.
Can I get pre-approved before finding a home?
Absolutely. Craig offers fast, personalized pre-approvals so you can shop for homes confidently and make stronger offers.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification gives a general idea of what you can afford, while pre-approval verifies your financials—Craig always recommends pre-approval to give you an edge in the market.
