Business Details
Your Trusted Charlotte Mortgage Broker
Mortgages by Scott is a client-focused mortgage brokerage serving homeowners and buyers across North Carolina and eight additional states. With over two decades of industry experience, our founder Scott Hastings has built a reputation for personalized service and innovative lending solutions. We specialize in navigating complex mortgage scenarios for self-employed entrepreneurs, affluent buyers seeking luxury properties, and first-time homebuyers requiring straightforward financing. Our proprietary MyHomeLoan mobile app empowers clients with real-time mortgage management capabilities, while our advisory approach ensures tailored solutions that align with individual financial goals.Backed by a career spanning major banking institutions and independent brokerage, we combine institutional expertise with personalized attention. Our commitment to transparency eliminates bureaucratic hurdles, delivering streamlined processes that transform mortgage acquisition into a stress-free experience. As a locally rooted business serving Lake Norman, Charlotte, and the broader Southeast region, we maintain deep community connections while upholding national service standards.
Services
30 Year Fixed
Adjustable Rate Loan
FHA Loan
Jumbo Home Loans
Self-Employed Loans
USDA Loans
VA Loans
Highlights and features
- 20+ years of mortgage industry experience
- Personalized advisory approach for unique needs
- Proprietary mobile app for mortgage management
- Specialized expertise in self-employed lending
- Proven track record with first-time homebuyers
What people say
Excellent rate
Knowledgeable
Smooth process
Responsive
Personalized service
Services
30 Year Fixed
A 30-year fixed-rate mortgage provides stable monthly payments and predictable budgeting for long-term homeowners. This conventional loan option maintains consistent interest rates throughout the loan term, offering financial security against market fluctuations. Ideal for buyers seeking payment stability, it typically features lower monthly payments compared to shorter-term loans while allowing optional accelerated repayment strategies.
FHA Loan
FHA-insured mortgages enable homeownership with reduced down payment requirements and flexible credit standards. These loans accommodate buyers with 3.5% down payments and credit scores as low as 580, featuring fixed-rate structures for payment consistency. While requiring mortgage insurance premiums, they provide accessible pathways for first-time buyers and those rebuilding credit histories.
Self-Employed Loans
Specialized mortgage solutions for self-employed professionals utilize alternative documentation methods beyond traditional W-2 forms. Bank statement loans, asset utilization programs, and non-qualified mortgage products assess income through business financials and asset positions. These tailored options address variable income patterns while maintaining competitive rate structures for entrepreneurial borrowers.
Jumbo Home Loans
Jumbo mortgages finance premium properties exceeding conventional loan limits, currently $647,200 in North Carolina. These high-balance loans offer fixed and adjustable rate options without mandatory private mortgage insurance, accommodating luxury home purchases and high-value property investments. Competitive pricing and flexible terms cater to borrowers with strong credit profiles seeking premium real estate acquisitions.
VA Loans
Department of Veterans Affairs guaranteed mortgages provide zero-down payment options for eligible military personnel and veterans. These loans feature competitive interest rates, no mortgage insurance requirements, and lenient credit standards. Designed to honor service members' sacrifices, the program facilitates homeownership through government-backed security for qualifying applicants.
People
Scott Hastings
Licensed Mortgage Loan Originator
With over 20 years in mortgage banking, Scott founded Mortgages by Scott after executive roles at major lenders. A Charlotte native, he specializes in complex loan scenarios while maintaining personal client relationships. His advisory approach combines institutional expertise with community-focused service.
Questions
What mortgage options exist for self-employed individuals?
We offer bank statement loans, asset utilization programs, and non-QM solutions that assess income through business financials rather than traditional W-2 forms.
How does the FHA loan program benefit first-time buyers?
FHA loans require 3.5% down payments with credit scores as low as 580, featuring fixed rates and accessible qualification standards for emerging credit profiles.
Can I get a mortgage without private mortgage insurance?
Jumbo loans and conventional mortgages with 20% down eliminate PMI requirements, while our advisors help determine optimal no-PMI financing structures.
What technology tools enhance the mortgage process?
Our MyHomeLoan mobile app provides real-time mortgage tracking, document submission, and communication channels throughout the loan lifecycle.
How are adjustable rate mortgages beneficial?
ARMs offer lower initial rates with fixed periods (5-7 years), ideal for short-term homeowners or those anticipating income growth during the loan term.
What states do you service?
We operate across North Carolina, South Carolina, Florida, Georgia, Virginia, Arkansas, Indiana, and New Hampshire with local market expertise.
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